MARK KOHLERMain Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, Main Street Professionals, LLC · Owner at Main Street Professionals, LLC

20% Returns in a Roth IRA: Is It Possible?

18 Aug 2026 · 0 min

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0:28

Mark Kohler breaks down whether a self-directed Roth IRA can realistically return 20% annually. At that rate, a $100,000 conversion could exceed $1 million in ten to twelve years, all tax-free. The key question: pay taxes now on a big conversion, or convert less and let it compound?

If you're getting a 20% return, holy crap, that money is going to double in approximately 3 to 4 years. And now, would I rather pay tax on this bigger chunk of money that I went and self-directed, or would I just like that $100 grand, rip the Band-Aid off now and never pay tax again? So in 10 to 12 years, when I'm sitting on over a million bucks, I think the Roth pays off, Matt. Yeah. I think especially when you self-direct.