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If you are looking for a strategy to diversify your retirement funds consider farmland – a proven investment that compares favorably with equities with the benefits of cash flow, as well as, capital appreciation.  Generally, earnings in an IRA account are exempt from taxes – except in the case of debt-financed rental property and also operations that are classified as a trade or business activity.  Careful planning is needed but including real estate, especially farmland, in your retirement portfolio is gaining in popularity.