COMING SOON

Crypto Trading

Buy, Sell, & Trade
Crypto

Trade Bitcoin, Ethereum, and 100+ other cryptocurrencies inside a tax-advantaged retirement account. Execute trades on your schedule with institutional security and personal support at every step. Trade digital assets alongside traditional stocks within one platform.

Trade crypto the
retirement-smart way

Trade crypto the
retirement-smart way

Most trading platforms weren’t designed with retirement investors in mind. Retired.com gives you access to crypto markets inside and outside of tax-advantaged accounts, so every trade you make works harder for your future.

Most trading platforms weren’t designed with retirement investors in mind. Retired.com gives you access to crypto markets inside and outside of tax-advantaged accounts, so every trade you make works harder for your future.

Tax-Smart Trading

Tax-Smart Trading

Buy and sell crypto without triggering taxable events. Your trades grow tax-deferred or tax-free inside your IRA.

Buy and sell crypto without triggering taxable events. Your trades grow tax-deferred or tax-free inside your IRA.

100+ Cryptocurrencies

100+ Cryptocurrencies

Trade top assets like Bitcoin and Ethereum, plus a wide selection of altcoins, all from a single retirement account.

Trade top assets like Bitcoin and Ethereum, plus a wide selection of altcoins, all from a single retirement account.

Institutional Security

Institutional Security

Every trade is backed by cold storage custody, military-grade encryption, and human-verified protocols.

Every trade is backed by cold storage custody, military-grade encryption, and human-verified protocols.

$12B+

$12B+

Assets Under Custody

Assets Under Custody

250K+

250K+

Community Members

Community Members

★★★★★

4.7 / 5

4.7 / 5

rating

rating

1. Open Account

Sign up in minutes. Fully online with secure identity verification. Choose your IRA type.

2. Fund Your Account

Transfer, rollover, or contribute. Multiple funding options with guided support.

3. Start Trading

Buy, sell, and trade 100+ cryptocurrencies directly inside your tax-advantaged account.

Top Benefits of Retired.com’s Crypto Accounts

Tax-advantaged Trades

Trade crypto without generating capital gains taxes. Keep more of what you earn.

Expert support

Real retirement specialists available to help you navigate crypto markets. Not bots, not FAQs.

Institutional-Grade Security

Your assets are held with leading digital asset custodians using cold storage and multi-layer encryption.

Low, transparent fees

No hidden charges. A clear fee structure so you always know exactly what you’re paying per trade.

Ways to fund your Crypto trading account

Transfer an existing IRA

Transfer an existing IRA

Already have an IRA? Move it to Retired.com without triggering taxes or penalties.

Already have an IRA? Move it to Retired.com without triggering taxes or penalties.

401(k) Rollovers

401(k) Rollovers

Transfer your old 401(k) or employer plan tax-free into a Crypto IRA. We handle the paperwork.

Transfer your old 401(k) or employer plan tax-free into a Crypto IRA. We handle the paperwork.

Make a new contribution

Make a new contribution

Start fresh with a direct contribution. Annual limits apply based on your account type.

Start fresh with a direct contribution. Annual limits apply based on your account type.

Strategies

Your Crypto Trading Blueprint, for Free

Ready to see how active crypto trading fits your retirement strategy? Explore our resource center for guides, market insights, and retirement-focused crypto strategies.

Frequently Asked Crypto Trading Questions

What is crypto trading inside an IRA?

Crypto trading inside an IRA means buying and selling digital assets like Bitcoin and Ethereum within a self-directed individual retirement account. The key advantage is that your trades occur inside a tax-advantaged structure, so you can actively manage your crypto portfolio without triggering taxable events on each transaction.

What are the tax advantages of trading crypto in an IRA?

When you trade crypto inside a Traditional IRA, your gains grow tax-deferred until withdrawal. In a Roth IRA, qualified withdrawals are completely tax-free. This means you can buy, sell, and rebalance your crypto holdings without owing capital gains taxes on each trade, a significant advantage over taxable brokerage accounts.

What cryptocurrencies can I trade?

With Retired.com, you can trade Bitcoin, Ethereum, and 80+ additional cryptocurrencies. Our selection includes major assets as well as a range of altcoins, giving you flexibility to build a diversified crypto portfolio inside your retirement account.

How do I place a trade?

After opening and funding your account, you can place trades directly through the Retired.com platform. Select the cryptocurrency you want to buy or sell, specify the amount, and confirm. Our team is available to walk you through your first trade if you need guidance.

Are there limits on how often I can trade?

There are no restrictions on trading frequency within your Retired.com IRA. You can trade as often as you like. Keep in mind that each trade is subject to a 2% per-trade fee, so it’s worth factoring that into your strategy.

What fees apply to crypto trading?

Retired.com charges a 1% per-trade fee and a $50 per month account fee. There are no account setup fees, no transfer fees, and no fees to roll over an existing retirement account. We encourage you to compare our fee structure to other providers.

How is my crypto kept safe when I trade?

All assets are held with institutional-grade custody partners using cold storage and multi-layer security protocols. Whether you’re actively trading or holding long-term, your crypto is protected by the same security standards used by the world’s largest financial institutions.

Your future starts now. Let's build it together.

Give your future more to work with

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.

Retired.com is a technology platform that connects users with third-party custodians, digital wallet providers cryptocurrency platforms, brokerage providers and banking partners. Retired.com is not a bank, broker-dealer, exchange, custodian, or registered investment advisor, and does not provide investment, legal, or tax advice.

Investment advisory services offered through Retired Advisory, LLC, an SEC- registered investment adviser, pursuant to a written advisory agreement. Securities accounts are carried and cleared by Interactive Brokers LLC, member FINRA/SIPC. Digital asset custody and related services are provided by Digital Trust, LLC. Banking services are provided by participating partner banks. Retired Advisory, LLC, Rocket Dollar Capital, LLC, and Digital Trust, LLC are wholly-owned subsidiaries of Retired.com.

Neither the IRS nor any governmental or regulatory authority has approved or endorsed any investment or transaction available through the platform.

Investing in cryptocurrencies, digital assets, and securities involves substantial risks, including the possible loss of principal. Digital assets are highly speculative, volatile, and may become illiquid or lose value entirely. Investments are not FDIC insured, are not bank guaranteed, and may lose value.

The information provided through the platform is general and educational in nature and should not be construed as legal, tax, investment, or other professional advice. Tax laws and regulations are complex and subject to change. While Retired.com believes the information presented in reliable, it does not guarantee its accuracy, completeness, or timeliness. To the fullest extent permitted by law, Retired.com disclaims liability arising from reliance on such information. Users should consult their own legal, tax, and financial advisers regarding their specific circumstances.

© 2026 Retired.com. All rights reserved.