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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.

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Free Retirement Guide

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

Enjoy tax advantages when trading cryptocurrencies in your retirement account.

Wide Selection

Access one of the widest selections of digital assets on the market, including top cryptocurrencies.

Safe and Secure

Cold storage, military-grade security, and human protocols designed to keep your investments safe.

$12B+

Assets Under Custody

250K+

Community Members

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COMING SOON

Opening a Crypto IRA has never been easier

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How it Works

1. Open Account

2. Fund Your Account

Easily transfer or roll over. Wide range of funding options.

3. Choose Investments

Start investing with support from our team every step of the way.

Top Benefits of Retired.com’s Crypto IRA Accounts

Tax-advantaged accounts

Accounts structured for you to maximize your tax benefits. No gray areas.

Expert support

Real retirement specialists available to guide you. Not bots, not FAQs.

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.

Ways to fund your Crypto IRA

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Transfer an existing IRA

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

401(k) Rollovers

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

Make a new contribution

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

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.

Explore Strategies

Chris Kline

May 19, 2026

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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 grow completely tax-free. In practical terms, if Bitcoin doubles in value inside your IRA, you may owe nothing in taxes. 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 make 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 it is done correctly, 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 5-10 business days.

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, with a $50 monthly account 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 can I actually invest in with a Retired.com IRA?

You can invest in Bitcoin, Ethereum, and 80+ cryptocurrencies, as well as alternative assets like gold, silver, and real estate. All inside a tax-advantaged account.

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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 is 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.

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