What Do the Different Cash Totals Mean in the Online Portal?

When you log in to your American Estate & Trust (AET) online portal, you’ll see several financial figures that reflect the state of your Self-Directed IRA (SDIRA). It’s important to understand what each of these totals represents so you can make informed decisions about your investments. Below is a breakdown of the key amounts you’ll see:

1. Asset Value

This amount reflects the last known value of the assets held in your IRA account.
It includes things like:

• Private stock

• Private placement memorandums (PPMs)

• Loans

• Real estate

• Other alternative assets

Note: Asset values are not updated automatically. For many of these types of assets, AET relies on you to provide the most current value. You can do this through your online portal by submitting an updated Fair Market Value (FMV) report.

2. Total Cash

This is the total amount of cash currently in your account.
It includes all cash held by AET on behalf of your IRA, but it does not factor in any restrictions or holds that may apply to those funds.

Think of this as a general cash snapshot—it tells you how much money is sitting in your IRA but not necessarily how much of that money you can immediately invest.

3. Cash Available

This amount reflects the actual cash you can currently use to make investments.
It accounts for any funds that are being:

• Held to meet the account’s minimum balance requirement

• Unverified or still in processing

• Set aside for pending or scheduled transactions

If you’re preparing to make an investment, this is the number you should focus on, as it shows the cash that is currently accessible for funding.

Summary Table:

If you have questions about your account balances or need help submitting an updated asset valuation, feel free to contact our Support team—we’re happy to help!