{"id":1792,"date":"2021-10-18T17:01:00","date_gmt":"2021-10-18T17:01:00","guid":{"rendered":"https:\/\/moneymade.wpenginepowered.com\/?p=1792"},"modified":"2025-06-03T19:16:17","modified_gmt":"2025-06-03T19:16:17","slug":"bitcoin-ira-investing-retirement-money-in-crypto","status":"publish","type":"post","link":"https:\/\/moneymade.io\/learn\/articles\/bitcoin-ira-investing-retirement-money-in-crypto\/","title":{"rendered":"Bitcoin IRAs: Is Investing Your Retirement Money in Crypto a Good Idea?"},"content":{"rendered":"\n

Think twice before buying digital gold in your golden years.<\/em><\/strong><\/p>\n\n\n\n

\n
<\/div>\n\n\n\n
\n
\"Bitcoin<\/figure>\n<\/div>\n\n\n\n
<\/div>\n<\/div>\n\n\n\n

The year is 2018. Bob spends his days tending the garden, solving crossword puzzles and walking his dogs in the local park. Bob worked long hours at a job he hated for 20 years until he heard about Bitcoin IRAs.<\/p>\n\n\n\n

In the heat of that moment, Bob opened a Bitcoin IRA and rolled 100% of his retirement savings over to it. And when the price of Bitcoin hit $16K, Bob cussed out his boss, quit his job and retired early.<\/p>\n\n\n\n

Ah, life is good.<\/p>\n\n\n\n

Except, when Bob checks in on his Bitcoin IRA months later, he\u2019s shocked to see that all of his crypto gains have been erased.<\/p>\n\n\n\n

\u201cOh shit.\u201d<\/p>\n\n\n\n

Don\u2019t be like Bob.<\/p>\n\n\n\n

What’s a Bitcoin IRA?<\/h2>\n\n\n\n

First off: no, it\u2019s not a gang of Irish tech nerds. Let\u2019s start from scratch and build our understanding up\u2014bit by bit.<\/p>\n\n\n\n

Understanding self-directed IRAs<\/strong><\/p>\n\n\n\n

An individual retirement account (IRA) is an investment account people use to grow their retirement savings in a tax-advantaged way. When you open a regular IRA, you can invest in traditional assets like stocks, bonds and mutual funds with it, but most IRA custodians don\u2019t let you invest in alternative assets.<\/p>\n\n\n\n

That\u2019s what self-directed IRAs were made for. With these accounts, you can invest in a broader selection of investments including real estate, precious metals, commodities, cryptocurrencies and more.<\/p>\n\n\n\n

Bitcoin IRAs: a type of self-directed IRA<\/strong><\/p>\n\n\n\n

Bitcoin, as you may well know, is the most time-tested and valuable cryptocurrency in the world. The IRS considers Bitcoin to be a type of property, which isn\u2019t supported by regular IRAs.<\/p>\n\n\n\n

Hence, the Bitcoin IRA. This is a self-directed IRA that lets you hold Bitcoin in a retirement account. Most Bitcoin IRA custodians also allow you to invest in other cryptocurrencies like Ethereum, Cardano and XRP.<\/p>\n\n\n\n

How do Bitcoin IRAs work?<\/h2>\n\n\n\n

A Bitcoin IRA works just like any other self-directed IRA, where the specific advantages and conditions depend on the type of IRA you choose to open. We\u2019ll focus on the two most popular options.<\/p>\n\n\n\n

<\/th>Traditional IRAs<\/th>Roth IRAs<\/th><\/tr><\/thead>
Description<\/strong><\/td>Let you make tax-deferred contributions to your account<\/td>Let you make after-tax contributions to your account<\/td><\/tr>
Income Limit<\/strong><\/td>None<\/td>Single taxpayers have to make less than $140K as of 2021. For joint filers, the limit is $208K<\/td><\/tr>
Annual Contribution Limit<\/strong><\/td>$6,000 if you\u2019re younger than 50 and $7,000 if you\u2019re 50 or older (as of 2021)<\/td>$6,000 if you\u2019re younger than 50 and $7,000 if you\u2019re 50 or older (as of 2021)<\/td><\/tr>
Withdrawal Conditions<\/strong><\/td>You can withdraw your money penalty-free starting at age 59\u00bd, which you then have to pay taxes on. Early withdrawals incur a penalty of 10% of the amount withdrawn<\/td>Withdraw your money at any time, for any reason, with zero taxes and penalties<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

Which Bitcoin IRA Type Suits You?<\/strong><\/h4>\n\n\n\n

Traditional IRAs are suited to those who believe that they\u2019ll be in a lower tax bracket in retirement, having to pay fewer taxes on their savings.<\/p>\n\n\n\n

Roth IRAs are suited to those who believe that they\u2019ll be in a higher tax bracket when they\u2019re retired and don\u2019t want to give up most of their gains to taxes. So, if you believe that Bitcoin\u2019s price is going to explode before you retire, this is your best option.<\/p>\n\n\n\n

Peeking under the hood of a Bitcoin IRA<\/strong><\/h4>\n\n\n\n

Normal IRAs function as all-in-one platforms for buying, selling and storing your investments. Bitcoin IRAs, however, require three solutions that may all operate independently:<\/p>\n\n\n\n

    \n
  1. Custodian:<\/strong> A financial institution that safekeeps your IRA and ensures that your account meets IRS regulations.<\/li>\n\n\n\n
  2. Exchange:<\/strong> Similar to stock brokerages, exchanges like Coinbase<\/a> and Binance enable you to buy and sell cryptocurrencies.<\/li>\n\n\n\n
  3. Wallet:<\/strong> This is a physical device or application where you store and protect your cryptocurrencies from theft.<\/li>\n<\/ol>\n\n\n\n

    The advantages of Bitcoin IRAs<\/h2>\n\n\n\n

    When you crunch the numbers on your retirement accounts you might conclude that you won\u2019t have as much as you’d like to have by the time you retire. Bitcoin IRAs are risky, and you can lose a lot of money\u2014but you can also earn a lot of money, fast-tracking your trip to retirement.<\/p>\n\n\n\n

    Upside potential<\/strong><\/p>\n\n\n\n

    As of March 2021, Bitcoin was hailed as the best performing asset of the decade with an annualized return of 230%. That\u2019s 10 times higher than the US Nasdaq 100.<\/p>\n\n\n\n

    Tax advantages<\/strong><\/p>\n\n\n\n

    If you\u2019re trading cryptocurrencies with a normal account, you\u2019ll have to pay taxes on all of your capital gains. But with a Traditional or Roth IRA, you\u2019ll be able to delay or avoid these taxes altogether.<\/p>\n\n\n\n

    Diversification<\/strong><\/p>\n\n\n\n

    Cryptocurrency is uncorrelated to traditional asset classes like stocks and bonds. And since the Federal Reserve\u2019s money printer is still going \u201cBrrrr\u201d, Bitcoin could also act as a hedge against inflation.<\/p>\n\n\n\n

    Should you really put your retirement money in crypto?<\/h2>\n\n\n\n

    Self-directed IRAs are inherently riskier, and Bitcoin IRAs even have a few unique downsides of their own. These include:<\/p>\n\n\n\n

    High volatility<\/strong><\/p>\n\n\n\n

    From late 2017 to early 2018, the price of Bitcoin dropped from $20,000 to about $3,000. People who bought in at the height of the market had to wait 2 years for their investments to recover. Someone close to retirement doesn\u2019t have that kind of time on their side.<\/p>\n\n\n\n

    Realized losses<\/strong><\/p>\n\n\n\n

    With taxable investment accounts, you\u2019re able to deduct your losses. So, even a bad trade has its benefits. The same isn\u2019t possible with tax-advantaged accounts like Bitcoin IRAs.<\/p>\n\n\n\n

    High fees<\/strong><\/p>\n\n\n\n

    While normal IRAs typically let you set up your account and invest for free, self-directed IRAs tend to surprise you with hidden fees, including:<\/p>\n\n\n\n

      \n
    • Setup fees<\/li>\n\n\n\n
    • Trading fees<\/li>\n\n\n\n
    • Account management fees<\/li>\n\n\n\n
    • Transfer fees<\/li>\n<\/ul>\n\n\n\n

      High investment minimums<\/strong><\/p>\n\n\n\n

      Compared to regular IRAs, Bitcoin IRAs can have high investment minimums of up to tens of thousands of dollars.<\/p>\n\n\n\n

      Great responsibilities<\/strong><\/p>\n\n\n\n

      While Bitcoin IRA custodians administer your account, they are totally hands-off when it comes to investment advice. This means that you, as the account holder, are solely responsible for research, due diligence and asset management.<\/p>\n\n\n\n

      Damned if I do, damned if I don\u2019t?<\/strong><\/h4>\n\n\n\n

      Not necessarily. Follow these rules of thumb if you\u2019re considering opening a Bitcoin IRA:<\/p>\n\n\n\n

        \n
      1. If you’re close to retirement, think twice about investing money you’ll need in retirement with a Bitcoin IRA. On the other hand, if you can stomach huge swings and have a long time horizon, then you\u2019re game.<\/li>\n\n\n\n
      2. Only invest a small portion of your net worth (generally below 5%) in a Bitcoin IRA to diversify your investment portfolio. Ideally, you should also be on track to retire comfortably even if you lose the money you’ve invested in crypto.<\/li>\n\n\n\n
      3. Bitcoin IRAs aren\u2019t generally suited to investors who value minimalism. That\u2019s right, I\u2019m talking to all of you Matt D\u2019Avella fans out there.<\/li>\n\n\n\n
      4. Don\u2019t rely on a Bitcoin IRA to fund big future expenses like first-time home purchases or college tuition.<\/li>\n<\/ol>\n\n\n\n

        Where to open a Bitcoin IRA<\/h2>\n\n\n\n

        If you\u2019ve settled on opening a Bitcoin IRA, the next step is choosing a custodian. Some Bitcoin IRAs are one-stop shops for opening an IRA, buying crypto and securely storing it.<\/p>\n\n\n\n

        With other custodians, you\u2019ll need to find your own crypto exchange and storage solution. Evaluate custodians by:<\/p>\n\n\n\n

          \n
        • Account type:<\/strong> Double check whether a custodian supports your desired IRA type, whether it be Traditional or Roth.<\/li>\n\n\n\n
        • Available cryptos:<\/strong> Aside from Bitcoin, do they support other cryptocurrencies you want to invest in?<\/li>\n\n\n\n
        • Insured funds:<\/strong> Some custodians reimburse you in the case of theft or the firm going bankrupt.<\/li>\n\n\n\n
        • Supported platforms:<\/strong> If it\u2019s not a one-stop shop, make sure they support your preferred exchange or wallet.<\/li>\n\n\n\n
        • Reasonable fees:<\/strong> Compare a few custodians to make sure that you\u2019re not being overcharged.<\/li>\n<\/ul>\n\n\n\n

          Here are a few of the most popular Bitcoin IRA providers:<\/p>\n\n\n\n

          <\/th>Alto CryptoIRA<\/th>Bitcoin IRA<\/th>IRA Financial Trust<\/th><\/tr><\/thead>
          Description<\/strong><\/td>All-in-one, low-cost Bitcoin IRA with the broadest selection of investments<\/td>Highly insured, all-in-one Bitcoin IRA with over 100,000 users<\/td>Low-cost Bitcoin IRA with the highest insurance coverage<\/td><\/tr>
          IRA Types<\/strong><\/td>Traditional, Roth, SEP<\/td>Traditional, Roth<\/td>Traditional, Roth<\/td><\/tr>
          Available crypto(s)<\/strong><\/td>80<\/td>9<\/td>50+<\/td><\/tr>
          Insured<\/strong><\/td>N\/A<\/td>$100 million custody insurance<\/td>$200 Million coverage via Gemini<\/td><\/tr>
          Supported exchange(s)<\/strong><\/td>Coinbase<\/td>Built-in exchange<\/td>Gemini<\/td><\/tr>
          Investment minimum<\/strong><\/td>$0<\/td>$3,000<\/td>$0<\/td><\/tr>
          Fees<\/strong><\/td>$0 setup and custody fees, 1.5% per trade, $50 account closure fee, $25 outbound wire transfer fee.<\/td>One-time service fee based on your investment amount plus a custodian and security fee, must call representatives for exact fees.<\/td>$75 quarterly flat account fee\u2060, no transaction fees, $15-$200 in wire transfer fees.<\/td><\/tr><\/tbody><\/table><\/figure>\n","protected":false},"excerpt":{"rendered":"

          Think twice before buying digital gold in your golden years. The year is 2018. Bob spends his days tending the garden, solving crossword puzzles and walking his dogs in the local park. Bob worked long hours at a job he hated for 20 years until he heard about Bitcoin IRAs. In the heat of that […]<\/p>\n","protected":false},"author":7,"featured_media":1857,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":true,"footnotes":""},"categories":[3],"tags":[22,38,105],"post_authors":[81],"class_list":["post-1792","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-articles","tag-cryptocurrency","tag-retirement","tag-tax-advantaged"],"acf":[],"yoast_head":"\nBitcoin IRAs: Is Investing Your Retirement Money in Crypto a Good Idea? | MoneyMade<\/title>\n<meta name=\"description\" content=\"A Bitcoin IRA can help you grow your retirement funds faster while lowering your tax burden\u2014but not without risk.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/moneymade.io\/learn\/articles\/bitcoin-ira-investing-retirement-money-in-crypto\/\" 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MoneyMade","isPartOf":{"@id":"https:\/\/moneymade.io\/learn\/#website"},"primaryImageOfPage":{"@id":"https:\/\/moneymade.io\/learn\/articles\/bitcoin-ira-investing-retirement-money-in-crypto\/#primaryimage"},"image":{"@id":"https:\/\/moneymade.io\/learn\/articles\/bitcoin-ira-investing-retirement-money-in-crypto\/#primaryimage"},"thumbnailUrl":"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Bitcoin_IRA_Article_MO_cc42f8e8a7.png","datePublished":"2021-10-18T17:01:00+00:00","dateModified":"2025-06-03T19:16:17+00:00","description":"A Bitcoin IRA can help you grow your retirement funds faster while lowering your tax burden\u2014but not without risk.","breadcrumb":{"@id":"https:\/\/moneymade.io\/learn\/articles\/bitcoin-ira-investing-retirement-money-in-crypto\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/moneymade.io\/learn\/articles\/bitcoin-ira-investing-retirement-money-in-crypto\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/moneymade.io\/learn\/articles\/bitcoin-ira-investing-retirement-money-in-crypto\/#primaryimage","url":"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Bitcoin_IRA_Article_MO_cc42f8e8a7.png","contentUrl":"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Bitcoin_IRA_Article_MO_cc42f8e8a7.png","width":1200,"height":800},{"@type":"BreadcrumbList","@id":"https:\/\/moneymade.io\/learn\/articles\/bitcoin-ira-investing-retirement-money-in-crypto\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/moneymade.io\/learn\/"},{"@type":"ListItem","position":2,"name":"Articles","item":"https:\/\/moneymade.io\/learn\/articles\/"},{"@type":"ListItem","position":3,"name":"Bitcoin IRAs: Is Investing Your Retirement Money in Crypto a Good Idea?"}]},{"@type":"WebSite","@id":"https:\/\/moneymade.io\/learn\/#website","url":"https:\/\/moneymade.io\/learn\/","name":"MoneyMade","description":"Make Money Moves That Matter.","publisher":{"@id":"https:\/\/moneymade.io\/learn\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/moneymade.io\/learn\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/moneymade.io\/learn\/#organization","name":"MoneyMade","url":"https:\/\/moneymade.io\/learn\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/moneymade.io\/learn\/#\/schema\/logo\/image\/","url":"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Copy-of-MoneyMade-Icon-Default.svg","contentUrl":"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Copy-of-MoneyMade-Icon-Default.svg","width":96,"height":96,"caption":"MoneyMade"},"image":{"@id":"https:\/\/moneymade.io\/learn\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/moneymade.io\/learn\/#\/schema\/person\/8c0c0c37e0c31b81a77ea024f0085a4b","name":"nick@klaymedia.com","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/moneymade.io\/learn\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/55886835a570cf0ebb443912af4176b642ef8a6a841026598d95ef9d3aaf08ac?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/55886835a570cf0ebb443912af4176b642ef8a6a841026598d95ef9d3aaf08ac?s=96&d=mm&r=g","caption":"nick@klaymedia.com"},"url":"https:\/\/moneymade.io\/learn\/author\/nickklaymedia-com\/"}]}},"fig_blocks":[{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong><em>Think twice before buying digital gold in your golden years.<\/em><\/strong><\/p>\n","innerContent":["\n<p><strong><em>Think twice before buying digital gold in your golden years.<\/em><\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/columns","attrs":[],"innerBlocks":[{"blockName":"core\/column","attrs":{"width":"10%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"80%"},"innerBlocks":[{"blockName":"core\/image","attrs":[],"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-image\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Bitcoin_IRA_Article_MO_cc42f8e8a7.png\" alt=\"Bitcoin IRAs: Is Investing Your Retirement Money in Crypto a Good Idea?\"\/><\/figure>\n","innerContent":["\n<figure class=\"wp-block-image\"><img src=\"https:\/\/moneymade.io\/learn\/wp-content\/uploads\/2025\/05\/Money_Made_Bitcoin_IRA_Article_MO_cc42f8e8a7.png\" alt=\"Bitcoin IRAs: Is Investing Your Retirement Money in Crypto a Good Idea?\"\/><\/figure>\n"]}],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:80%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:80%\">",null,"<\/div>\n"]},{"blockName":"core\/column","attrs":{"width":"10%"},"innerBlocks":[],"innerHTML":"\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n","innerContent":["\n<div class=\"wp-block-column\" style=\"flex-basis:10%\"><\/div>\n"]}],"innerHTML":"\n<div class=\"wp-block-columns\">\n\n\n\n<\/div>\n","innerContent":["\n<div class=\"wp-block-columns\">",null,"\n\n",null,"\n\n",null,"<\/div>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>The year is 2018. Bob spends his days tending the garden, solving crossword puzzles and walking his dogs in the local park. Bob worked long hours at a job he hated for 20 years until he heard about Bitcoin IRAs.<\/p>\n","innerContent":["\n<p>The year is 2018. Bob spends his days tending the garden, solving crossword puzzles and walking his dogs in the local park. Bob worked long hours at a job he hated for 20 years until he heard about Bitcoin IRAs.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>In the heat of that moment, Bob opened a Bitcoin IRA and rolled 100% of his retirement savings over to it. And when the price of Bitcoin hit $16K, Bob cussed out his boss, quit his job and retired early.<\/p>\n","innerContent":["\n<p>In the heat of that moment, Bob opened a Bitcoin IRA and rolled 100% of his retirement savings over to it. And when the price of Bitcoin hit $16K, Bob cussed out his boss, quit his job and retired early.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Ah, life is good.<\/p>\n","innerContent":["\n<p>Ah, life is good.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Except, when Bob checks in on his Bitcoin IRA months later, he\u2019s shocked to see that all of his crypto gains have been erased.<\/p>\n","innerContent":["\n<p>Except, when Bob checks in on his Bitcoin IRA months later, he\u2019s shocked to see that all of his crypto gains have been erased.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>\u201cOh shit.\u201d<\/p>\n","innerContent":["\n<p>\u201cOh shit.\u201d<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Don\u2019t be like Bob.<\/p>\n","innerContent":["\n<p>Don\u2019t be like Bob.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-what-s-a-bitcoin-ira\">What's a Bitcoin IRA?<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-what-s-a-bitcoin-ira\">What's a Bitcoin IRA?<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>First off: no, it\u2019s not a gang of Irish tech nerds. Let\u2019s start from scratch and build our understanding up\u2014bit by bit.<\/p>\n","innerContent":["\n<p>First off: no, it\u2019s not a gang of Irish tech nerds. Let\u2019s start from scratch and build our understanding up\u2014bit by bit.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Understanding self-directed IRAs<\/strong><\/p>\n","innerContent":["\n<p><strong>Understanding self-directed IRAs<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>An individual retirement account (IRA) is an investment account people use to grow their retirement savings in a tax-advantaged way. When you open a regular IRA, you can invest in traditional assets like stocks, bonds and mutual funds with it, but most IRA custodians don\u2019t let you invest in alternative assets.<\/p>\n","innerContent":["\n<p>An individual retirement account (IRA) is an investment account people use to grow their retirement savings in a tax-advantaged way. When you open a regular IRA, you can invest in traditional assets like stocks, bonds and mutual funds with it, but most IRA custodians don\u2019t let you invest in alternative assets.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>That\u2019s what self-directed IRAs were made for. With these accounts, you can invest in a broader selection of investments including real estate, precious metals, commodities, cryptocurrencies and more.<\/p>\n","innerContent":["\n<p>That\u2019s what self-directed IRAs were made for. With these accounts, you can invest in a broader selection of investments including real estate, precious metals, commodities, cryptocurrencies and more.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Bitcoin IRAs: a type of self-directed IRA<\/strong><\/p>\n","innerContent":["\n<p><strong>Bitcoin IRAs: a type of self-directed IRA<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Bitcoin, as you may well know, is the most time-tested and valuable cryptocurrency in the world. The IRS considers Bitcoin to be a type of property, which isn\u2019t supported by regular IRAs.<\/p>\n","innerContent":["\n<p>Bitcoin, as you may well know, is the most time-tested and valuable cryptocurrency in the world. The IRS considers Bitcoin to be a type of property, which isn\u2019t supported by regular IRAs.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Hence, the Bitcoin IRA. This is a self-directed IRA that lets you hold Bitcoin in a retirement account. Most Bitcoin IRA custodians also allow you to invest in other cryptocurrencies like Ethereum, Cardano and XRP.<\/p>\n","innerContent":["\n<p>Hence, the Bitcoin IRA. This is a self-directed IRA that lets you hold Bitcoin in a retirement account. Most Bitcoin IRA custodians also allow you to invest in other cryptocurrencies like Ethereum, Cardano and XRP.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-how-do-bitcoin-iras-work\">How do Bitcoin IRAs work?<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-how-do-bitcoin-iras-work\">How do Bitcoin IRAs work?<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>A Bitcoin IRA works just like any other self-directed IRA, where the specific advantages and conditions depend on the type of IRA you choose to open. We\u2019ll focus on the two most popular options.<\/p>\n","innerContent":["\n<p>A Bitcoin IRA works just like any other self-directed IRA, where the specific advantages and conditions depend on the type of IRA you choose to open. We\u2019ll focus on the two most popular options.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/table","attrs":[],"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th>Traditional IRAs<\/th><th>Roth IRAs<\/th><\/tr><\/thead><tbody><tr><td><strong>Description<\/strong><\/td><td>Let you make tax-deferred contributions to your account<\/td><td>Let you make after-tax contributions to your account<\/td><\/tr><tr><td><strong>Income Limit<\/strong><\/td><td>None<\/td><td>Single taxpayers have to make less than $140K as of 2021. For joint filers, the limit is $208K<\/td><\/tr><tr><td><strong>Annual Contribution Limit<\/strong><\/td><td>$6,000 if you\u2019re younger than 50 and $7,000 if you\u2019re 50 or older (as of 2021)<\/td><td>$6,000 if you\u2019re younger than 50 and $7,000 if you\u2019re 50 or older (as of 2021)<\/td><\/tr><tr><td><strong>Withdrawal Conditions<\/strong><\/td><td>You can withdraw your money penalty-free starting at age 59\u00bd, which you then have to pay taxes on. Early withdrawals incur a penalty of 10% of the amount withdrawn<\/td><td>Withdraw your money at any time, for any reason, with zero taxes and penalties<\/td><\/tr><\/tbody><\/table><\/figure>\n","innerContent":["\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th>Traditional IRAs<\/th><th>Roth IRAs<\/th><\/tr><\/thead><tbody><tr><td><strong>Description<\/strong><\/td><td>Let you make tax-deferred contributions to your account<\/td><td>Let you make after-tax contributions to your account<\/td><\/tr><tr><td><strong>Income Limit<\/strong><\/td><td>None<\/td><td>Single taxpayers have to make less than $140K as of 2021. For joint filers, the limit is $208K<\/td><\/tr><tr><td><strong>Annual Contribution Limit<\/strong><\/td><td>$6,000 if you\u2019re younger than 50 and $7,000 if you\u2019re 50 or older (as of 2021)<\/td><td>$6,000 if you\u2019re younger than 50 and $7,000 if you\u2019re 50 or older (as of 2021)<\/td><\/tr><tr><td><strong>Withdrawal Conditions<\/strong><\/td><td>You can withdraw your money penalty-free starting at age 59\u00bd, which you then have to pay taxes on. Early withdrawals incur a penalty of 10% of the amount withdrawn<\/td><td>Withdraw your money at any time, for any reason, with zero taxes and penalties<\/td><\/tr><\/tbody><\/table><\/figure>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\" id=\"h-which-bitcoin-ira-type-suits-you\"><strong>Which Bitcoin IRA Type Suits You?<\/strong><\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\" id=\"h-which-bitcoin-ira-type-suits-you\"><strong>Which Bitcoin IRA Type Suits You?<\/strong><\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Traditional IRAs are suited to those who believe that they\u2019ll be in a lower tax bracket in retirement, having to pay fewer taxes on their savings.<\/p>\n","innerContent":["\n<p>Traditional IRAs are suited to those who believe that they\u2019ll be in a lower tax bracket in retirement, having to pay fewer taxes on their savings.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Roth IRAs are suited to those who believe that they\u2019ll be in a higher tax bracket when they\u2019re retired and don\u2019t want to give up most of their gains to taxes. So, if you believe that Bitcoin\u2019s price is going to explode before you retire, this is your best option.<\/p>\n","innerContent":["\n<p>Roth IRAs are suited to those who believe that they\u2019ll be in a higher tax bracket when they\u2019re retired and don\u2019t want to give up most of their gains to taxes. So, if you believe that Bitcoin\u2019s price is going to explode before you retire, this is your best option.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\" id=\"h-peeking-under-the-hood-of-a-bitcoin-ira\"><strong>Peeking under the hood of a Bitcoin IRA<\/strong><\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\" id=\"h-peeking-under-the-hood-of-a-bitcoin-ira\"><strong>Peeking under the hood of a Bitcoin IRA<\/strong><\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Normal IRAs function as all-in-one platforms for buying, selling and storing your investments. Bitcoin IRAs, however, require three solutions that may all operate independently:<\/p>\n","innerContent":["\n<p>Normal IRAs function as all-in-one platforms for buying, selling and storing your investments. Bitcoin IRAs, however, require three solutions that may all operate independently:<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/list","attrs":{"ordered":true},"innerBlocks":[{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li><strong>Custodian:<\/strong> A financial institution that safekeeps your IRA and ensures that your account meets IRS regulations.<\/li>\n","innerContent":["\n<li><strong>Custodian:<\/strong> A financial institution that safekeeps your IRA and ensures that your account meets IRS regulations.<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li><strong>Exchange:<\/strong> Similar to stock brokerages, exchanges like <a href=\"https:\/\/moneymade.io\/discover\/coinbase\">Coinbase<\/a> and Binance enable you to buy and sell cryptocurrencies.<\/li>\n","innerContent":["\n<li><strong>Exchange:<\/strong> Similar to stock brokerages, exchanges like <a href=\"https:\/\/moneymade.io\/discover\/coinbase\">Coinbase<\/a> and Binance enable you to buy and sell cryptocurrencies.<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li><strong>Wallet:<\/strong> This is a physical device or application where you store and protect your cryptocurrencies from theft.<\/li>\n","innerContent":["\n<li><strong>Wallet:<\/strong> This is a physical device or application where you store and protect your cryptocurrencies from theft.<\/li>\n"]}],"innerHTML":"\n<ol class=\"wp-block-list\">\n\n\n\n<\/ol>\n","innerContent":["\n<ol class=\"wp-block-list\">",null,"\n\n",null,"\n\n",null,"<\/ol>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-the-advantages-of-bitcoin-iras\">The advantages of Bitcoin IRAs<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-the-advantages-of-bitcoin-iras\">The advantages of Bitcoin IRAs<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>When you crunch the numbers on your retirement accounts you might conclude that you won\u2019t have as much as you'd like to have by the time you retire. Bitcoin IRAs are risky, and you can lose a lot of money\u2014but you can also earn a lot of money, fast-tracking your trip to retirement.<\/p>\n","innerContent":["\n<p>When you crunch the numbers on your retirement accounts you might conclude that you won\u2019t have as much as you'd like to have by the time you retire. Bitcoin IRAs are risky, and you can lose a lot of money\u2014but you can also earn a lot of money, fast-tracking your trip to retirement.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Upside potential<\/strong><\/p>\n","innerContent":["\n<p><strong>Upside potential<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>As of March 2021, Bitcoin was hailed as the best performing asset of the decade with an annualized return of 230%. That\u2019s 10 times higher than the US Nasdaq 100.<\/p>\n","innerContent":["\n<p>As of March 2021, Bitcoin was hailed as the best performing asset of the decade with an annualized return of 230%. That\u2019s 10 times higher than the US Nasdaq 100.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Tax advantages<\/strong><\/p>\n","innerContent":["\n<p><strong>Tax advantages<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>If you\u2019re trading cryptocurrencies with a normal account, you\u2019ll have to pay taxes on all of your capital gains. But with a Traditional or Roth IRA, you\u2019ll be able to delay or avoid these taxes altogether.<\/p>\n","innerContent":["\n<p>If you\u2019re trading cryptocurrencies with a normal account, you\u2019ll have to pay taxes on all of your capital gains. But with a Traditional or Roth IRA, you\u2019ll be able to delay or avoid these taxes altogether.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Diversification<\/strong><\/p>\n","innerContent":["\n<p><strong>Diversification<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Cryptocurrency is uncorrelated to traditional asset classes like stocks and bonds. And since the Federal Reserve\u2019s money printer is still going \u201cBrrrr\u201d, Bitcoin could also act as a hedge against inflation.<\/p>\n","innerContent":["\n<p>Cryptocurrency is uncorrelated to traditional asset classes like stocks and bonds. And since the Federal Reserve\u2019s money printer is still going \u201cBrrrr\u201d, Bitcoin could also act as a hedge against inflation.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-should-you-really-put-your-retirement-money-in-crypto\">Should you really put your retirement money in crypto?<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-should-you-really-put-your-retirement-money-in-crypto\">Should you really put your retirement money in crypto?<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Self-directed IRAs are inherently riskier, and Bitcoin IRAs even have a few unique downsides of their own. These include:<\/p>\n","innerContent":["\n<p>Self-directed IRAs are inherently riskier, and Bitcoin IRAs even have a few unique downsides of their own. These include:<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>High volatility<\/strong><\/p>\n","innerContent":["\n<p><strong>High volatility<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>From late 2017 to early 2018, the price of Bitcoin dropped from $20,000 to about $3,000. People who bought in at the height of the market had to wait 2 years for their investments to recover. Someone close to retirement doesn\u2019t have that kind of time on their side.<\/p>\n","innerContent":["\n<p>From late 2017 to early 2018, the price of Bitcoin dropped from $20,000 to about $3,000. People who bought in at the height of the market had to wait 2 years for their investments to recover. Someone close to retirement doesn\u2019t have that kind of time on their side.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Realized losses<\/strong><\/p>\n","innerContent":["\n<p><strong>Realized losses<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>With taxable investment accounts, you\u2019re able to deduct your losses. So, even a bad trade has its benefits. The same isn\u2019t possible with tax-advantaged accounts like Bitcoin IRAs.<\/p>\n","innerContent":["\n<p>With taxable investment accounts, you\u2019re able to deduct your losses. So, even a bad trade has its benefits. The same isn\u2019t possible with tax-advantaged accounts like Bitcoin IRAs.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>High fees<\/strong><\/p>\n","innerContent":["\n<p><strong>High fees<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>While normal IRAs typically let you set up your account and invest for free, self-directed IRAs tend to surprise you with hidden fees, including:<\/p>\n","innerContent":["\n<p>While normal IRAs typically let you set up your account and invest for free, self-directed IRAs tend to surprise you with hidden fees, including:<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/list","attrs":[],"innerBlocks":[{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>Setup fees<\/li>\n","innerContent":["\n<li>Setup fees<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>Trading fees<\/li>\n","innerContent":["\n<li>Trading fees<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>Account management fees<\/li>\n","innerContent":["\n<li>Account management fees<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>Transfer fees<\/li>\n","innerContent":["\n<li>Transfer fees<\/li>\n"]}],"innerHTML":"\n<ul class=\"wp-block-list\">\n\n\n\n\n\n<\/ul>\n","innerContent":["\n<ul class=\"wp-block-list\">",null,"\n\n",null,"\n\n",null,"\n\n",null,"<\/ul>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>High investment minimums<\/strong><\/p>\n","innerContent":["\n<p><strong>High investment minimums<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Compared to regular IRAs, Bitcoin IRAs can have high investment minimums of up to tens of thousands of dollars.<\/p>\n","innerContent":["\n<p>Compared to regular IRAs, Bitcoin IRAs can have high investment minimums of up to tens of thousands of dollars.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p><strong>Great responsibilities<\/strong><\/p>\n","innerContent":["\n<p><strong>Great responsibilities<\/strong><\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>While Bitcoin IRA custodians administer your account, they are totally hands-off when it comes to investment advice. This means that you, as the account holder, are solely responsible for research, due diligence and asset management.<\/p>\n","innerContent":["\n<p>While Bitcoin IRA custodians administer your account, they are totally hands-off when it comes to investment advice. This means that you, as the account holder, are solely responsible for research, due diligence and asset management.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":{"level":4},"innerBlocks":[],"innerHTML":"\n<h4 class=\"wp-block-heading\" id=\"h-damned-if-i-do-damned-if-i-don-t\"><strong>Damned if I do, damned if I don\u2019t?<\/strong><\/h4>\n","innerContent":["\n<h4 class=\"wp-block-heading\" id=\"h-damned-if-i-do-damned-if-i-don-t\"><strong>Damned if I do, damned if I don\u2019t?<\/strong><\/h4>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Not necessarily. Follow these rules of thumb if you\u2019re considering opening a Bitcoin IRA:<\/p>\n","innerContent":["\n<p>Not necessarily. Follow these rules of thumb if you\u2019re considering opening a Bitcoin IRA:<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/list","attrs":{"ordered":true},"innerBlocks":[{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>If you're close to retirement, think twice about investing money you'll need in retirement with a Bitcoin IRA. On the other hand, if you can stomach huge swings and have a long time horizon, then you\u2019re game.<\/li>\n","innerContent":["\n<li>If you're close to retirement, think twice about investing money you'll need in retirement with a Bitcoin IRA. On the other hand, if you can stomach huge swings and have a long time horizon, then you\u2019re game.<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>Only invest a small portion of your net worth (generally below 5%) in a Bitcoin IRA to diversify your investment portfolio. Ideally, you should also be on track to retire comfortably even if you lose the money you've invested in crypto.<\/li>\n","innerContent":["\n<li>Only invest a small portion of your net worth (generally below 5%) in a Bitcoin IRA to diversify your investment portfolio. Ideally, you should also be on track to retire comfortably even if you lose the money you've invested in crypto.<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>Bitcoin IRAs aren\u2019t generally suited to investors who value minimalism. That\u2019s right, I\u2019m talking to all of you Matt D\u2019Avella fans out there.<\/li>\n","innerContent":["\n<li>Bitcoin IRAs aren\u2019t generally suited to investors who value minimalism. That\u2019s right, I\u2019m talking to all of you Matt D\u2019Avella fans out there.<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li>Don\u2019t rely on a Bitcoin IRA to fund big future expenses like first-time home purchases or college tuition.<\/li>\n","innerContent":["\n<li>Don\u2019t rely on a Bitcoin IRA to fund big future expenses like first-time home purchases or college tuition.<\/li>\n"]}],"innerHTML":"\n<ol class=\"wp-block-list\">\n\n\n\n\n\n<\/ol>\n","innerContent":["\n<ol class=\"wp-block-list\">",null,"\n\n",null,"\n\n",null,"\n\n",null,"<\/ol>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/heading","attrs":[],"innerBlocks":[],"innerHTML":"\n<h2 class=\"wp-block-heading\" id=\"h-where-to-open-a-bitcoin-ira\">Where to open a Bitcoin IRA<\/h2>\n","innerContent":["\n<h2 class=\"wp-block-heading\" id=\"h-where-to-open-a-bitcoin-ira\">Where to open a Bitcoin IRA<\/h2>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>If you\u2019ve settled on opening a Bitcoin IRA, the next step is choosing a custodian. Some Bitcoin IRAs are one-stop shops for opening an IRA, buying crypto and securely storing it.<\/p>\n","innerContent":["\n<p>If you\u2019ve settled on opening a Bitcoin IRA, the next step is choosing a custodian. Some Bitcoin IRAs are one-stop shops for opening an IRA, buying crypto and securely storing it.<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>With other custodians, you\u2019ll need to find your own crypto exchange and storage solution. Evaluate custodians by:<\/p>\n","innerContent":["\n<p>With other custodians, you\u2019ll need to find your own crypto exchange and storage solution. Evaluate custodians by:<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/list","attrs":[],"innerBlocks":[{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li><strong>Account type:<\/strong> Double check whether a custodian supports your desired IRA type, whether it be Traditional or Roth.<\/li>\n","innerContent":["\n<li><strong>Account type:<\/strong> Double check whether a custodian supports your desired IRA type, whether it be Traditional or Roth.<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li><strong>Available cryptos:<\/strong> Aside from Bitcoin, do they support other cryptocurrencies you want to invest in?<\/li>\n","innerContent":["\n<li><strong>Available cryptos:<\/strong> Aside from Bitcoin, do they support other cryptocurrencies you want to invest in?<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li><strong>Insured funds:<\/strong> Some custodians reimburse you in the case of theft or the firm going bankrupt.<\/li>\n","innerContent":["\n<li><strong>Insured funds:<\/strong> Some custodians reimburse you in the case of theft or the firm going bankrupt.<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li><strong>Supported platforms:<\/strong> If it\u2019s not a one-stop shop, make sure they support your preferred exchange or wallet.<\/li>\n","innerContent":["\n<li><strong>Supported platforms:<\/strong> If it\u2019s not a one-stop shop, make sure they support your preferred exchange or wallet.<\/li>\n"]},{"blockName":"core\/list-item","attrs":[],"innerBlocks":[],"innerHTML":"\n<li><strong>Reasonable fees:<\/strong> Compare a few custodians to make sure that you\u2019re not being overcharged.<\/li>\n","innerContent":["\n<li><strong>Reasonable fees:<\/strong> Compare a few custodians to make sure that you\u2019re not being overcharged.<\/li>\n"]}],"innerHTML":"\n<ul class=\"wp-block-list\">\n\n\n\n\n\n\n\n<\/ul>\n","innerContent":["\n<ul class=\"wp-block-list\">",null,"\n\n",null,"\n\n",null,"\n\n",null,"\n\n",null,"<\/ul>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/paragraph","attrs":[],"innerBlocks":[],"innerHTML":"\n<p>Here are a few of the most popular Bitcoin IRA providers:<\/p>\n","innerContent":["\n<p>Here are a few of the most popular Bitcoin IRA providers:<\/p>\n"]},{"blockName":null,"attrs":[],"innerBlocks":[],"innerHTML":"\n\n","innerContent":["\n\n"]},{"blockName":"core\/table","attrs":[],"innerBlocks":[],"innerHTML":"\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th>Alto CryptoIRA<\/th><th>Bitcoin IRA<\/th><th>IRA Financial Trust<\/th><\/tr><\/thead><tbody><tr><td><strong>Description<\/strong><\/td><td>All-in-one, low-cost Bitcoin IRA with the broadest selection of investments<\/td><td>Highly insured, all-in-one Bitcoin IRA with over 100,000 users<\/td><td>Low-cost Bitcoin IRA with the highest insurance coverage<\/td><\/tr><tr><td><strong>IRA Types<\/strong><\/td><td>Traditional, Roth, SEP<\/td><td>Traditional, Roth<\/td><td>Traditional, Roth<\/td><\/tr><tr><td><strong>Available crypto(s)<\/strong><\/td><td>80<\/td><td>9<\/td><td>50+<\/td><\/tr><tr><td><strong>Insured<\/strong><\/td><td>N\/A<\/td><td>$100 million custody insurance<\/td><td>$200 Million coverage via Gemini<\/td><\/tr><tr><td><strong>Supported exchange(s)<\/strong><\/td><td>Coinbase<\/td><td>Built-in exchange<\/td><td>Gemini<\/td><\/tr><tr><td><strong>Investment minimum<\/strong><\/td><td>$0<\/td><td>$3,000<\/td><td>$0<\/td><\/tr><tr><td><strong>Fees<\/strong><\/td><td>$0 setup and custody fees, 1.5% per trade, $50 account closure fee, $25 outbound wire transfer fee.<\/td><td>One-time service fee based on your investment amount plus a custodian and security fee, must call representatives for exact fees.<\/td><td>$75 quarterly flat account fee\u2060, no transaction fees, $15-$200 in wire transfer fees.<\/td><\/tr><\/tbody><\/table><\/figure>\n","innerContent":["\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th>Alto CryptoIRA<\/th><th>Bitcoin IRA<\/th><th>IRA Financial Trust<\/th><\/tr><\/thead><tbody><tr><td><strong>Description<\/strong><\/td><td>All-in-one, low-cost Bitcoin IRA with the broadest selection of investments<\/td><td>Highly insured, all-in-one Bitcoin IRA with over 100,000 users<\/td><td>Low-cost Bitcoin IRA with the highest insurance coverage<\/td><\/tr><tr><td><strong>IRA Types<\/strong><\/td><td>Traditional, Roth, SEP<\/td><td>Traditional, Roth<\/td><td>Traditional, Roth<\/td><\/tr><tr><td><strong>Available crypto(s)<\/strong><\/td><td>80<\/td><td>9<\/td><td>50+<\/td><\/tr><tr><td><strong>Insured<\/strong><\/td><td>N\/A<\/td><td>$100 million custody insurance<\/td><td>$200 Million coverage via Gemini<\/td><\/tr><tr><td><strong>Supported exchange(s)<\/strong><\/td><td>Coinbase<\/td><td>Built-in exchange<\/td><td>Gemini<\/td><\/tr><tr><td><strong>Investment minimum<\/strong><\/td><td>$0<\/td><td>$3,000<\/td><td>$0<\/td><\/tr><tr><td><strong>Fees<\/strong><\/td><td>$0 setup and custody fees, 1.5% per trade, $50 account closure fee, $25 outbound wire transfer fee.<\/td><td>One-time service fee based on your investment amount plus a custodian and security fee, must call representatives for exact fees.<\/td><td>$75 quarterly flat account fee\u2060, no transaction fees, $15-$200 in wire transfer fees.<\/td><\/tr><\/tbody><\/table><\/figure>\n"]}],"_links":{"self":[{"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/posts\/1792","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/users\/7"}],"replies":[{"embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/comments?post=1792"}],"version-history":[{"count":0,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/posts\/1792\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/media\/1857"}],"wp:attachment":[{"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/media?parent=1792"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/categories?post=1792"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/tags?post=1792"},{"taxonomy":"post_authors","embeddable":true,"href":"https:\/\/moneymade.io\/learn\/wp-json\/wp\/v2\/post_authors?post=1792"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}