Most custodians or trustees allow company-approved stocks, bonds, mutual funds, CDs, and even Gold based IRAs. Custodians and trustees of self-managed IRAs may allow investments in assets such as real estate, private placement securities, and certain collectibles. IRAs allow you to make tax-deferred investments to provide you with financial security when you retire. The list of investment instruments that cannot be included in an IRA or a qualified plan should not be confused with the list of prohibited transactions that cannot be made with these accounts, such as lending money from an IRA. Some retirement savers want to go beyond the stocks, bonds, mutual funds and other conventional investments offered by standard IRAs.