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 kriptovaluta 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
Začetni vlagatelji v kriptovalute
iTrustCapital je ponudnik IRA v lastni režiji, ki vam omogoča vlaganje v kriptovalute, zlato in srebro prek vašega pokojninskega računa. iTrustCapital se osredotoča na zagotavljanje preproste in lahko razumljive platforme vlagateljem, ki je lahko velika prednost, če v preteklosti še niste kupovali ali prodajali alternativnih naložb.
Ko dosežete upokojitveno starost, vam iTrustCapital omogoča izbiro, ali želite prejemati izplačila v gotovini ali v sredstvih, v katera ste investirali. Čeprav platforma ponuja omejen nabor kriptovalut v primerjavi s posredniki, kot je Coinbase, zaradi preproste strukture in edinstvenih ponudb IRA je iTrustCapital odličen kraj za naložbe.
- Vlagatelji, ki želijo svoji IRA dodati zlato, srebro ali kriptovalute
- Tisti, ki jih zanima dolgoročni pristop k naložbam v kriptovalute ali kovine
- Začetni vlagatelji v kriptovalute
- Preprosta platforma vam omogoča nakup in prodajo sredstev v nekaj minutah
- Naročila so zaključena v 5 minutah
- 24/7 storitve oddaje naročil in spremljanja portfelja
- Na voljo sta klepet v živo in telefonska podpora strankam
- Omejeno število kriptovalut za nakup in prodajo
- Trenutno ni na voljo nobena mobilna aplikacija
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.
Novi vlagatelji v bitcoin
Bitcoin IRA ponuja rešitev za tiste, ki želijo svoj pokojninski račun vzeti izven tradicionalnega trga. Sodeluje z BitGo Trust, da olajša nastavitev individualnega pokojninskega računa (IRA) in digitalne denarnice za shranjevanje in trgovanje s kriptovalutami. Bitcoin IRA ponuja lastniško vedno vklopljeno platformo za trgovanje v lastni režiji, ki vam omogoča vlaganje v vašo prihodnost. Poleg digitalne valute lahko Bitcoin IRA uporabite tudi za nakup zlata, še enega priljubljenega alternativnega sredstva za spretne vlagatelje.
- Novi vlagatelji v Bitcoin, ki imajo nadzor nad svojo splošno finančno strategijo
- Ljudje, ki imajo v svojem proračunu prostor za 100 USD mesečnega prispevka za preprosto varčevalno in naložbeno strategijo »nastavi in pozabi«
- Vlagatelji, ki lahko prenesejo visoke ravni tveganja, povezanega s trgovanjem s kriptovalutami, in ki lahko naložbe v plemenite kovine obdržijo vsaj 10 let
- Odlične možnosti prevračanja
- Naložbe, shranjene brez povezave za večjo varnost
- Preprosto ustvarite račun in digitalno denarnico v manj kot 3 minutah
- Trgovalna platforma 24/7
- Zaradi ameriške zakonodaje ne more prenesti obstoječega imetja kriptovalute na pokojninski račun Bitcoin
- Brez storitev finančnega svetovanja ali načrtovanja
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.
Odloženi dobički
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.
- Dolgoročni vlagatelji
- 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
- Odloženi dobički
- 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
- Visoka minimalna naložba
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.
Trgujte s kriptovaluto
If you want to trade crypto while holding your IRA, you need a good trgovalna platforma. Some things to consider when choosing where to trade crypto are the platform’s security, altcoin offerings and customer support. Some platforms, like Gemini, 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:
Novi vlagatelji
Gemini je menjalnica in skrbnik kriptovalut, ki vlagateljem ponuja dostop do 26 kovancev in žetonov. Podjetje Gemini, ustanovljeno v ZDA, se širi po vsem svetu, zlasti v Evropo in Azijo. Ponudbe vključujejo tako velike projekte kriptovalut, kot sta Bitcoin in Ethereum, kot manjše altcoine, kot sta Orchid in 0x.
Gemini je eden od edinih posrednikov z več možnostmi platforme glede na raven znanja. Novi vlagatelji bodo navdušeni nad poenostavljenim vmesnikom Geminijevih mobilnih in spletnih aplikacij, medtem ko bodo napredni vlagatelji morda cenili vsa orodja, ki so priložena ActiveTraderju.
Poleg številnih izbir platform imajo uporabniki Gemini tudi dostop do zavarovanih vročih denarnic za shranjevanje žetonov, ne da bi jih skrbelo krajo digitalnih sredstev. Izvedite več o tem, kaj lahko Gemini naredi za vas v našem pregledu.
- Novi vlagatelji, ki iščejo preprosto mobilno in spletno aplikacijo
- Izkušeni vlagatelji, ki potrebujejo naprednejšo platformo z več orodji
- Uporabniki, ki iščejo trgovino na enem mestu za nakup, prodajo in shranjevanje vseh svojih kovancev
- Enostavne in hitre prijave – lahko začnete že v nekaj minutah
- Številne platforme za prilagajanje trgovcem vseh ravni znanja
- Vroče denarnice vključujejo zavarovanje za zaščito pred krajo in poskusi vdora
- Uporabnikom, ki kupujejo in prodajajo prek namizja ali mobilne aplikacije, zaračunava provizijo in priročnost
Razkritje: eToro USA LLC; Naložbe so izpostavljene tržnemu tveganju, vključno z morebitno izgubo glavnice.
Trgovanje s kriptovalutami
eToro s sedežem na Cipru, v Angliji in Izraelu ponuja forex produkte in druge izvedene finančne instrumente CFD malim strankam od leta 2007. Pomemben plus eToro so njegove dejavnosti socialnega trgovanja, vključno z OpenBook, ki novim strankam omogoča kopiranje trgovanja z najboljšimi platformami. Njegove funkcije socialnega trgovanja so vrhunske, vendar eToro izgublja točke zaradi pomanjkanja valutnih parov, s katerimi bi bilo mogoče trgovati, in pomanjkljivih funkcij raziskovanja in storitev za stranke
- Trgovci s kriptovalutami s sedežem v ZDA
- Socialni in kopirni trgovci
- Preprost uporabniški vmesnik
- Sodelovanje v skupnosti in sledenje drugim trgovcem
- 25 kripto valut
- Razširjeno omrežje funkcij socialnega trgovanja
- Velika baza strank za posnemanje novih trgovcev
- Ameriški trgovci lahko kupujejo samo kriptovalute
Nizki minimumi
Webull, ustanovljen leta 2017, je borznoposredniška družba, ki temelji na mobilnih aplikacijah in omogoča trgovanje z delnicami in skladi, s katerimi se trguje na borzi (ETF) brez provizije. Urejata ga Komisija za vrednostne papirje in borzo (SEC) in Regulativni organ za finančno industrijo (FINRA).
Webull ponuja tehnične kazalnike aktivnih trgovcev, ekonomske koledarje, ocene raziskovalnih agencij, maržno trgovanje in prodajo na kratko. Trgovalna platforma Webull je zasnovana za srednje in izkušene trgovce, čeprav lahko koristi tudi začetnikom.
Webull velja za eno najboljših alternativ Robinhoodu.
- Aktivni trgovci
- Vmesni trgovci
- Brez stroškov za odprtje in vzdrževanje računa
- Brez stroškov vzdrževanja računa ali pristojbin za programsko platformo
- Intuitivna platforma za trgovanje z orodji za tehnično in temeljno analizo
- Ponuja samo 14 kovancev
Retiring off Cryptocurrency
If you are looking for a way to inject growth potential into a long-term Portfelj, 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.
Pogosto zastavljena vprašanja
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.
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