Can You Invest in Crypto Through an IRA?

Cryptocurrencies are decentralized investments, meaning that they’re not managed or controlled by one governing body – making them much harder for thieves to steal than traditional investments.

IRA custodians or brokers usually do not permit their clients to invest directly in cryptocurrency; rather, they offer alternative investments like coin trusts or futures with associated fees that reduce your retirement savings.


With iTrustCapital, you can purchase and sell cryptocurrency and physical gold or silver within your self-directed IRA. The platform supports more than 30 cryptocurrencies for easy purchase with a low account minimum and fees that don’t break the bank. In addition, they have mobile apps with low fees for maximum convenience!

It offers an easy application process and supports traditional, Roth, SEP, and rollover IRAs – as well as support for joint accounts – using bank accounts, direct contributions or employer plans as funding sources. There are no minimum deposit or withdrawal limits set by IRS regulations; you can open new or transfer existing accounts as needed. You may open or transfer existing ones with Bank of America. It supports opening a new one as well.

iTrustCapital is a highly recommended crypto IRA provider, known for their excellent customer service, competitive trading fees, and user-friendly interfaces. Their custodial service keeps your funds in a secure vault while handling paperwork for you – they have been in business for several years and boast an outstanding Trust Pilot rating!

iTrustCapital charges lower fees than many SDIRA options, yet higher than many cryptocurrency exchanges. Furthermore, its selection of digital assets may not match up to that of other platforms – although more options are being added regularly. Moreover, this platform does not charge set-up or monthly maintenance fees, with only 1% going toward cryptocurrency transaction fees.


Investment of cryptocurrency via your retirement account provides an exciting way to diversify and reduce risk in your portfolio. But it is wise to consult a tax or financial advisor familiar with your jurisdiction’s tax laws before opening one – fees associated with buying, selling, or transferring are likely, as are annual maintenance charges that might need to be considered when opening one.

Swan Bitcoin IRA is a crypto IRA provider dedicated solely to Bitcoin, with an easy onboarding process suitable for investors of any size and unrivaled security including cold storage for digital assets backed by unlimited insurance coverage.

The platform gives you access to 17 cryptocurrencies such as Bitcoin, Ethereum, and Litecoin with a low minimum investment of $5,000 and offers traditional and Roth IRAs as well as various trading and investment options that meet your specific needs.

Goldco has been an industry leader for more than a decade. Their expert understanding of IRS rules regarding cryptocurrency IRAs makes CoinIRA a reliable solution for investors who wish to diversify their portfolios with cryptocurrency investments, while offering educational content about the benefits associated with cryptocurrencies.

Directed IRA

Self-directed IRAs offer investors more investment options than traditional IRAs, yet can be riskier. Investors should work with an advisor specializing in SDIRAs to stay compliant with IRS rules and avoid prohibited transactions – for instance using your IRA to buy real estate you live in yourself or that is managed by someone disqualified (such as yourself or an associate of one).

Most IRA custodians offer only traditional investments, but you may find one who allows you to invest in alternative assets such as precious metals, crowdfunding platforms, private equity funds and startup businesses. Such investments may provide greater diversification and potentially higher returns than conventional stocks and bonds but may require more time and effort in managing.

Self-directed IRAs can be great tools for investors who prefer taking control of their retirement savings, but if the level of work and risks involved are overwhelming for you, a standard IRA or 401(k) might be more suitable. Be mindful of any tax penalties or fees associated with alternative investments (UBTI or property taxes); ensure your SDIRA custodian accommodates them before investing.

Raymond Banks Administrator
Raymond Banks is a published author in the commodity world. He has written extensively about gold and silver investments, and his work has been featured in some of the most respected financial journals in the industry. Raymond\\\'s expertise in the commodities market is highly sought-after, and he regularly delivers presentations on behalf of various investment firms. He is also a regular guest on financial news programmes, where he offers his expert insights into the latest commodity trends.

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