Bitcoin in a retirement account is becoming more attractive with the rise of Bitcoin ETFs, maturing crypto custody solutions, and increasing interest from retirement savers looking for alternative assets with tax advantages and control.
Investors can use self-directed IRAs, Roth or Traditional, to allocate part of their portfolio to Bitcoin, offering tax advantages like tax-free appreciation in a Roth IRA or deferring taxes until retirement in a Traditional IRA.
Platforms like iTrustCapital provide regulated custodial accounts for holding client assets off-balance sheet, ensuring security and reducing risk exposure, which is essential for investors using retirement accounts for Bitcoin transactions.
Bitcoin is gaining momentum in retirement accounts, with discussions at conferences like Bitcoin 2025 Las Vegas focusing on using IRAs to gain exposure to Bitcoin as a potential hedge or long-term store of value, attracting interest from long-term investors and wealth managers.