For individuals looking to build their crypto wealth, a crypto IRA may be a good way to do so. Cryptocurrency IRAs allow you to avoid capital gains tax, so long as you keep your investments in your IRA account. Although cryptocurrencies are volatile investments, the asset class has outperformed almost any other investment over the last decade. If you’re a long term believer in a decentralized future, you may want to consider opening an investment retirement account with a platform that gives you access to cryptocurrency.
Best Cryptocurrency IRAs
Now that you know the general rules and limitations of the criptomoneda IRA, let’s take a look at the best of the breed:
1. Best For Competitive Rates: iTrustCapital
iTrustCapital is the leading digital asset IRA trading platform that allows you to directly buy and trade cryptocurrencies and physical gold in real-time through their retirement accounts.
They have completely transparent pricing with crypto being a 1% trade fee and gold $50 over spot. There is also a $29.95 monthly account fee which provides the following:
- IRA setup at iTrust Custodial Services
- Facilitation of any transfers to your IRA
- IRS and tax reports by iTrust Custodial Services
- Unlimited storage with institutional custody partners
- Platform support and maintenance
Beginner cryptocurrency investors
iTrustCapital is a self-directed IRA provider that gives you the opportunity to invest in cryptocurrencies, gold and silver through your retirement account. iTrustCapital focuses on providing investors with a straightforward and easy-to-understand platform, which can be a major asset if you’ve never bought or sold alternative investments in the past.
When you reach retirement age, iTrustCapital allows you to choose whether you’d like to take your disbursements in cash or in the assets you’ve invested in. Though the platform does offer a limited range of cryptocurrencies when compared to brokers like Coinbase, its simple structure and unique IRA offerings make iTrustCapital a great place to invest.
- Investors who want to add gold, silver or cryptocurrencies to their IRA
- Those who are interested in taking a long-term approach to cryptocurrency or metal investing
- Beginner cryptocurrency investors
- Straightforward platform allows you to buy and sell assets in a few minutes
- Orders clear within 5 minutes
- 24/7 order placements and portfolio monitoring services
- Both live chat and phone customer service service available
- Limited number of cryptocurrencies to buy and sell
- No mobile app currently available
2. Best For Full Service: Bitcoin IRA
Bitcoin IRA is a full-service solution that allows you to invest in bitcoin, ethereum, ripple, litecoin, bitcoin cash and ethereum classic with your IRA. The firm works to make the complex process of crypto investing simpler and safer.
Your digital assets are stored and insured for up to $100 million with BitGo Trust, which is powered by BitGo Inc.’s technology. BitGo Inc. is the world’s largest processor of on-chain bitcoin transactions, processing 20% of all global Bitcoin transactions and holding over $2 billion in assets in wallet.
Whether you need help with a rollover, traditional or Roth IRA—it only takes a few minutes to open an account with Bitcoin IRA.
New bitcoin investors
Bitcoin IRA provides a solution for those looking to take their retirement account outside the traditional market. It partners with BitGo Trust to facilitate the setup of an individual retirement account (IRA) and a digital wallet to hold and trade cryptocurrency. Bitcoin IRA offers a proprietary always-on, self-directed trading platform that empowers you to invest in your future. In addition to digital currency, you can also use Bitcoin IRA to purchase gold, another popular alternative asset for savvy investors.
- New Bitcoin investors who have a handle on their overall financial strategy
- People who have room in their budget for a $100 monthly contribution for an easy set-and-forget savings and investment strategy
- Investors who can tolerate high levels of risk associated with trading crypto and who are able to hold precious metals investments for at least 10 years
- Great rollover options
- Investments stored offline for greater security
- Easily create an account and digital wallet in under 3 minutes
- 24/7 trading platform
- Due to U.S law, cannot transfer existing cryptocurrency holdings into a Bitcoin retirement account
- No financial advisory or planning services
3. Best For Security: BitIRA
Most crypto IRA companies take no responsibility for the security of your crypto. BitIRA turns this trend on its head and offers end-to-end insurance for your account.
You also get true cold storage for your crypto — it’s kept on a hard drive in a vault that is physically guarded around the clock. You get this protection along with praiseworthy customer service that will make you feel comfortable even if you have never invested in crypto before.
The selection of cryptocurrencies currently available with BitIRA includes Bitcoin, Bitcoin Cash, Litecoin, Ethereum Classic, Ethereum and Ripple.
Tax-deferred gains
BitIRA combines the best of tradition and innovation with its Bitcoin IRA platform. You can secure your financial future by funding your retirement account with cryptocurrency and other alternative assets. BitIRA brings institutional, quality retirement accounts to alternative asset investors.
- Investitori pe termen lung
- Alternative asset investors
- Diversification of your retirement account
- Those experienced in cryptocurrency investment strategy
- Fully-assisted setup, account rollover and funding process
- Cold storage wallet to secure your funds offline
- Tax-deferred gains
- Bitcoin and other crypto protected against inflation by several key factors, reducing risk of devaluation and debasement
- Potentially long waiting period between account set-up → funding → ready to invest
- Investiție minimă mare
How Crypto IRAs Work
A crypto IRA falls under the umbrella of self-directed IRAs. Crypto’s volatility and looser regulatory structure likely scare investment custodians away from accepting responsibility for consistent returns.
Most financial institutions brand their crypto IRAs with the bitcoin name because of bitcoin’s popularity. There are IRA investment opportunities available in other major coins including Ether, Litecoin, XRP and bitcoin cash. They usually have higher fees associated with them than traditional IRAs, but it may be well worth it to avoid capital gains taxes.
The average crypto IRA will have a holding fee, minimum monthly account fee, establishment fee and fees for purchasing assets and fund transfers. Traditional IRA accounts generally do not have any establishment or monthly maintenance fees.
Within an IRA designation, cryptocurrency accounts are automatically subjected to regulations they would otherwise avoid. IRA contribution limits apply to crypto IRAs as well, for example. Investors are also required to purchase the cryptocurrencies in an IRA from a designated firm. These firms use their monopoly to charge fees for their involvement.
Additionally, crypto IRAs can only be traded during standard market hours. The crypto market is 24/7/365, so the value of an IRA can change significantly over a weekend while leaving the investor with no recourse. Crypto within an IRA account is subject to capital gains taxes as well.
Benefits of Crypto IRAs
Cryptocurrency IRAs incentive investors to hold cryptocurrency over the long-term. If digital assets continue to see similar levels of adoption, then holding crypto for the long-term may be a great investment strategy that could outperform traditional assets. Plus, crypto IRAs have several tax benefits over investing through a cryptocurrency brokerage or exchange. Given the potential for abnormally high returns, these tax savings make it well worth it to invest in digital assets through a crypto IRA.
Tranzacționează cu criptomonede
If you want to trade crypto while holding your IRA, you need a good platformă de tranzacționare. Some things to consider when choosing where to trade crypto are the platform’s security, altcoin offerings and customer support. Some platforms, like zodia Gemeni, allow you to earn interest on your digital assets. This is a great way to accumulate more cryptocurrency over time without needing to invest more into your trading account. Here are a few of the best to consider:
Noi investitori
Gemeni este un schimb de criptomonede și un custode care oferă investitorilor acces la 26 de monede și jetoane. Fondată în SUA, Gemeni se extinde la nivel global, în special în Europa și Asia. Ofertele includ atât proiecte majore de criptomonede precum Bitcoin și Ethereum, cât și alte monede mai mici precum Orchid și 0x.
Gemeni este unul dintre singurii brokeri cu mai multe opțiuni de platformă în funcție de nivelul de calificare. Noii investitori vor adora interfața simplificată a aplicațiilor mobile și web ale Gemini, în timp ce investitorii avansați ar putea aprecia toate instrumentele care vin cu ActiveTrader.
Pe lângă o serie de opțiuni de platformă, utilizatorii Gemini au și acces la portofele fierbinți asigurate pentru a stoca jetoane fără a-și face griji cu privire la furtul de active digitale. Află mai multe despre ce poate face Gemenii pentru tine în recenzia noastră.
- Investitori noi care caută o aplicație mobilă și web simplă
- Investitori cu experiență care au nevoie de o platformă mai avansată, cu mai multe instrumente
- Utilizatori care caută un magazin unic pentru a cumpăra, vinde și stoca toate monedele lor
- Înscrieri ușoare și rapide — pot începe în doar câteva minute
- Mulțime de platforme pentru a găzdui comercianții de toate nivelurile de calificare
- Portofelele fierbinți includ asigurare pentru a vă proteja de tentativele de furt și de hacking
- Încasează atât un comision, cât și o taxă de confort pentru utilizatorii care cumpără și vând prin intermediul aplicației desktop sau mobile
Dezvaluirea: eToro USA LLC; Investițiile sunt supuse riscului de piață, inclusiv posibila pierdere a principalului.
Trading Crypto
eToro, cu sediul central în Cipru, Anglia și Israel, a furnizat produse valutare și alte derivate CFD clienților de retail începând cu 2007. Un plus important eToro îl reprezintă operațiunile sale de tranzacționare socială, inclusiv OpenBook, care le permite clienților noi să copieze tranzacțiile cu cei mai buni performanți ai platformei. Caracteristicile sale de tranzacționare socială sunt de top, dar eToro pierde puncte din cauza lipsei de perechi valutare tranzacționabile și a caracteristicilor de cercetare și servicii pentru clienți dezamăgitoare.
- Comercianți de criptomonede din SUA
- Comercianți sociali și de copiere
- Interfață simplă de utilizator
- Implicarea comunității și urmărirea altor comercianți
- 25 de criptomonede
- Rețea extinsă de funcții de tranzacționare socială
- Baza mare de clienți pentru noii comercianți de imitat
- Comercianții americani pot cumpăra doar criptomonede
Minime minime
Webull, fondată în 2017, este un brokeraj bazat pe aplicații mobile care oferă tranzacționare fără comisioane de acțiuni și fonduri tranzacționate la bursă (ETF). Este reglementat de Securities and Exchange Commission (SEC) și Financial Industry Regulatory Authority (FINRA).
Webull oferă comercianților activi indicatori tehnici, calendare economice, ratinguri de la agențiile de cercetare, tranzacționare în marjă și vânzare în lipsă. Platforma de tranzacționare Webull este concepută pentru comercianții intermediari și experimentați, deși comercianții începători pot beneficia și ei.
Webull este considerat pe scară largă una dintre cele mai bune alternative Robinhood.
- Comercianți activi
- Comercianți intermediari
- Fără taxe pentru deschiderea și întreținerea unui cont
- Fără taxe de întreținere a contului sau taxe pentru platforma software
- Platformă de tranzacționare intuitivă cu instrumente tehnice și de analiză fundamentală
- Oferă doar 14 monede
Retiring off Cryptocurrency
If you are looking for a way to inject growth potential into a long-term portofoliu, holding a crypto IRA is a viable option. Crypto may also be a good last-minute hedge against inflation or low-interest rates for older people who are about to retire. However, remember that cryptocurrencies are inherently volatile, so if you’re looking to preserve wealth (as opposed to growing wealth), you should consider a traditional retirement account. While it may be good to have some exposure to crypto as a retiree, it certainly shouldn’t be your only investment.
It may be a bit premature to put everything into crypto even under the tax haven of the IRA. However, it may also be time to take a serious look at how this market can make your golden years even more fruitful.
Întrebări Frecvente
Can you put bitcoin in an IRA?
Absolutely. Through a crypto IRA company, you can hold Bitcoin and many other major cryptocurrencies in an IRA account. This account is subject to the same rules and has the same advantages of an IRA that holds fiat currency.
Is a bitcoin IRA Safe?
Holding crypto always comes with an added degree of risk. Reputable crypto IRA companies partner with a professional custodian for added security, but most of them assume no primary legal responsibility for your holdings.
Continuați lectură: BEST RETIREMENT ACCOUNTS
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