Crypto IRA
Tax-Advantaged Investing in Digital Assets
Invest in Bitcoin, Ethereum, and 100+ cryptocurrencies inside a tax-advantaged retirement account. Keep more of what you earn, and let your crypto grow the way it was meant to.
The crypto retirement account built for the modern investor
Most IRAs were designed decades ago, before Bitcoin, before digital gold, before the world changed. Retired.com provides tax-advantaged accounts that hold the assets that actually make sense for your future. All in one secure place.
Tax Benefits
Wide Selection
Safe and Secure
Cold storage, military-grade security, and human protocols designed to keep your investments safe.¹
★★★★★
Top benefits of Retired.com’s Crypto IRA accounts
Institutional security
Your assets are held with institutional-grade custody and security protocols.
Low, Transparent Fees
No hidden charges. You'll always know exactly what you're paying.
Portfolio Diversification
Crypto can provide diversity in retirement alongside traditional and alternative assets.
Expert Support
Get personalized support from experienced retirement specialists.
Tax-advantaged accounts
Tax-advantaged account options designed for long-term retirement investing.
Opening a Crypto IRA has never been easier
Strategies
Your crypto retirement blueprint, for free
Ready to see how crypto fits your retirement strategy? Start here. Check out our resource center for all things crypto and retirement. Written by our retirement specialists, built for investors interested in tax-free growth.
Learn Before You Start with Retired.com’s Crypto IRA Content
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Frequently Asked Crypto IRA Questions
What is a Crypto IRA?
A Crypto IRA is a self-directed individual retirement account that lets you invest in cryptocurrency using the same tax advantages as a traditional retirement account. At Retired.com, we've spent over a decade helping Americans open and manage self-directed IRAs. Think of it as your retirement account, upgraded.
What are the tax advantages of a Crypto IRA?
The tax benefits are one of the most compelling reasons to hold your crypto inside an IRA account. With a Roth Crypto IRA, you contribute after-tax dollars, and your investments may grow completely tax-free. A powerful advantage over holding crypto in a taxable brokerage account.
How do I open a Crypto IRA?
Opening a Crypto IRA with Retired.com takes less than three minutes. Here's how it works: 1. Create your account: choose your account type and complete your application online. No paperwork, no waiting rooms. 2. Fund your account by transferring funds from an existing retirement account, rolling over a 401(k), or making a new contribution. Our team is there to guide you through every step. 3. Start investing by purchasing crypto, or other alternative assets, directly inside your tax-advantaged account
Can I roll over my existing 401(k) into a Crypto IRA?
Yes! It's actually one of the most common ways our clients fund their Crypto IRA. Rolling over a 401(k), 403(b), or existing IRA into a Retired.com account is a straightforward process. When done correctly, it does not trigger taxes or early withdrawal penalties. Our team assists with the rollover process so you don't have to navigate the paperwork alone. Most rollovers are completed within 2-4 weeks.
How is my crypto kept safe?
Your assets are held with institutional-grade custody. The same security used by the world's largest financial institutions. At Retired.com, we partner with leading digital asset custodians to ensure your crypto is stored in cold storage (offline, hardware-secured wallets), keeping it protected from online threats.
What fees are associated with a Crypto IRA?
We believe in complete transparency when it comes to fees. No surprises, no fine print. Retired.com charges 1% per trade fee. There are no account setup fees, no transfer fees, and no fees to roll over an existing retirement account. We'd encourage you to compare our fee structure against other providers. We're confident you'll find Retired.com to be one of the most straightforward and competitive options available.
What digital assets can I actually invest in with a Retired.com IRA?
You can invest in Bitcoin, XRP, Solana, and 100+ cryptocurrencies, as well as alternative assets like gold, silver, and real estate. All inside a tax-advantaged account.
¹Security, storage and wallet provider may vary based on asset chosen and custody solution available.
*Based on assets under custody across all Retired.com consumer brands as of 05/18/2026.
**Review and rating count is aggregated across public review platforms and app stores for all Retired.com consumer brands. Average platform rating is calculated as the average of displayed ratings and not weighted by review or rating count.
Reviews and media mentions listed on this page include those across all Retired.com consumer brands.
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