最佳比特幣 IRA - 比特幣 IRA：最佳整體比特幣 IRA - BitIRA：確保帳戶安全的最佳比特幣 IRA - Alto IRA：最佳比特幣 IRA 投資選擇 - CoinIRA：提供專家協助的最佳比特幣 IRA - iTrustCapital：費用低廉的最佳比特幣 IRA - Broad Financial：帳戶靈活性最佳的比特幣 IRA

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付費非客戶促銷：此頁面上產品的附屬連結來自向我們提供報酬的合作夥伴（有關更多詳細信息，請參閱我們的廣告商披露和我們的合作夥伴列表）。然而，我們的意見是我們自己的。了解我們如何對投資產品進行評級，以撰寫公正的產品評論。

Crypto and retirement investing have become popular, especially as brokerages like Fidelity have offered bitcoin as a 401(k) investment choice. However, several companies also offer crypto trading through self-directed IRAs. 

加密貨幣和退休投資已經變得流行，尤其是像 Fidelity 這樣的經紀公司提供比特幣作為 401(k) 投資選擇。然而，一些公司也透過自主 IRA 提供加密貨幣交易。

A bitcoin IRA can be an alluring investment option for those who want to avoid capital gains taxes while building wealth. You'd be subject to capital gains taxes for regular crypto transactions without an IRA. But self-directed IRAs eliminate those extra costs (or at least defer them).

對於那些想要在累積財富的同時避免資本利得稅的人來說，比特幣 IRA 可能是一個誘人的投資選擇。如果沒有 IRA，您將需要為常規加密貨幣交易繳納資本利得稅。但自我管理的 IRA 消除了這些額外費用（或至少推遲了這些費用）。

These accounts are also available in traditional or Roth form. But you can't fund these accounts with existing crypto assets; that is, you've got to purchase new crypto shares with US dollars after you've set up the account. 

這些帳戶也可以採用傳統形式或羅斯形式。但你不能用現有的加密資產為這些帳戶提供資金；也就是說，您在設定帳戶後必須用美元購買新的加密貨幣股票。

Best Bitcoin IRAs

• Bitcoin IRA: Best overall bitcoin IRA
• BitIRA: Best bitcoin IRA for account security
• Alto IRA: Best bitcoin IRA investment selection
• CoinIRA: Best bitcoin IRA for expert assistance
• iTrustCapital: Best bitcoin IRA for low fees
• Broad Financial: Best bitcoin IRA for account flexibility

Here are the best bitcoin IRAs as provided by Insider's editors.

最佳比特幣IRA 比特幣IRA：最佳整體比特幣IRABitIRA：帳戶安全的最佳比特幣IRA Alto IRA：最佳比特幣IRA 投資選擇CoinIRA：專家協助的最佳比特幣IRA iTrust Capital：低費用的最佳比特幣IRA Broad Financial：帳戶靈活性的最佳比特幣IRA 這裡是最好的比特幣IRA由 Insider 編輯提供。

Compare the Best Bitcoin IRAs

Best Bitcoin IRAs Frequently Asked Questions (FAQs)

Bitcoin IRA Reviews

Best Bitcoin IRA Overall

Bitcoin IRA

比特幣 IRA 評論整體最佳比特幣 IRA 比特幣 IRA

Bitcoin IRA is an industry-leading crypto IRA platform supporting 24/7 trading of 60+ cryptocurrencies, like bitcoin, ether, litecoin, cash, and digital gold. Set up an account in minutes for secure cold wallet storage, 256-bit encrypted SSL trading, and up to $700 million of digital asset insurance.

Bitcoin IRA 是業界領先的加密 IRA 平台，支援 60 多種加密貨幣（如比特幣、以太幣、萊特幣、現金和數位黃金）的 24/7 交易。只需幾分鐘即可設定帳戶，享受安全的冷錢包儲存、256 位元加密 SSL 交易以及高達 7 億美元的數位資產保險。

There's a minimum of $3,000 to get started with Bitcoin IRA, plus a one-time service fee of 2.99% one-time deposit, a 2.00% transaction fee, and a 0.08% security fee billed monthly.

開始使用比特幣 IRA 的最低金額為 3,000 美元，另加 2.99% 的一次性存款的一次性服務費、2.00% 的交易費和每月收取的 0.08% 的安全費。

Bitcoin IRA covers support services for retirement fund rollovers (Bitcoin IRA lets you rollover funds from traditional IRAs, Roth IRAs, SEP IRAs, SIMPLE IRAs, 403bs or 401(k)s), security storage, and setup costs for a self-directed IRA with BitGo Trust.

比特幣 IRA 涵蓋退休基金展期的支援服務（比特幣 IRA 可讓您展期來自傳統 IRA、Roth IRA、SEP IRA、SIMPLE IRA、403bs 或 401(k)s 的資金）、安全儲存以及自主 IRA 的設定成本與BitGo Trust 合作。

Regarding crypto storage, Bitcoin IRA stores your assets with BitGo Trust.

關於加密存儲，Bitcoin IRA 將您的資產存儲在 BitGo Trust 中。

What to look out for: Fees and pricing aren't straightforward. You'll need to contact a company representative for more information since some fees vary based on your balance. 

注意事項：費用和定價並不簡單。您需要聯繫公司代表以獲取更多信息，因為某些費用根據您的餘額而有所不同。

Bitcoin IRA review

比特幣 IRA 審查

Best Bitcoin IRA for Account Security

BitIRA

帳戶安全的最佳比特幣 IRABitIRA

BitIRA is another popular IRA option for investors looking to add bitcoin and other virtual assets to their retirement accounts. Its custodian, Equity Trust Company, handles all of the account's administrative duties while giving you complete control over your assets. 

對於希望將比特幣和其他虛擬資產添加到退休帳戶的投資者來說，BitIRA 是另一個受歡迎的 IRA 選項。其託管人股權信託公司負責處理帳戶的所有管理職責，同時讓您完全掌控自己的資產。

BitIRA supports several cryptocurrencies. These include bitcoin, bitcoin cash, ether, ethereum classic, litecoin, zcash, stellar lumens, bitcoin sv, and more. You'll need at least $5,000 to get started., but there are no recurring monthly or annual fees.

BitIRA 支援多種加密貨幣。其中包括比特幣、比特幣現金、以太幣、以太坊經典、萊特幣、zcash、stellar lumens、比特幣SV等。您至少需要 5,000 美元才能開始使用。但沒有經常性的月費或年費。

BitIRA also heavily prioritizes security. The company only lets you access your crypto assets through multi-factor authentication, and it relies on offline cold storage to protect your assets. In addition, BitIRA provides $100 million in custody insurance to shield you against theft, destruction, or loss.

BitIRA 也高度重視安全性。該公司只允許您透過多因素身份驗證存取您的加密資產，並且它依靠離線冷儲存來保護您的資產。此外，BitIRA 還提供 1 億美元的託管保險，以保護您免受盜竊、破壞或遺失。

What to look out for: BitIRA's high minimum requirement is one of the largest drawbacks of the platform. 

注意事項：BitIRA 較高的最低要求是該平台最大的缺點之一。

Best Bitcoin IRA Investment Selection

Alto IRA

最佳比特幣 IRA 投資選擇Alto IRA

Alto IRA offers low fees and access to numerous alternative investments, including fine art, startups, real estate, cryptocurrencies, private equity, and more. The company also partners with Coinbase to provide more than 200 cryptocurrencies, utilizing hot and cold storage.

Alto IRA 提供低廉的費用和眾多另類投資的機會，包括美術、新創公司、房地產、加密貨幣、私募股權等。該公司還與 Coinbase 合作，利用熱儲存和冷儲存提供 200 多種加密貨幣。

In addition, the platform gives you access to commercial crime policy insurance coverage of $320 million and $3 million in cybercrime coverage.

此外，該平台還為您提供 3.2 億美元的商業犯罪保單保險和 300 萬美元的網路犯罪保險。

What to look out for: Some of Alto IRA's investments are reserved for accredited investors, and it doesn't offer SIMPLE IRAs. 

注意事項：Alto IRA 的一些投資是為經過認可的投資者保留的，並且不提供 SIMPLE IRA。

Best Bitcoin IRA for Expert Assistance

CoinIRA

最佳比特幣 IRA 專家協助CoinIRA

CoinIRA offers several resources for investors interested in including cryptocurrencies in their IRAs. These include consultants assisting you with crypto-related questions and a free cryptocurrency IRA guide that tells you everything you need to know about tax benefits, crypto retirement savings, inflation hedging, and more.

CoinIRA 為有興趣將加密貨幣納入 IRA 的投資者提供多種資源。其中包括幫助您解決加密相關問題的顧問和免費的加密貨幣 IRA 指南，該指南告訴您有關稅收優惠、加密退休儲蓄、通膨對沖等所需了解的一切。

CoinIRA requires a $5,000 minimum starting investment, which is fairly high, but there are no start-up fees, recurring maintenance fees, or subsequent deposit requirements. There are no maximum purchase limits on cryptocurrencies, and it offers individual accounts, traditional IRAs, Roth IRAs, SEP IRAs, and SIMPLE IRAs.

CoinIRA 要求最低啟動投資為 5,000 美元，這是相當高的，但沒有啟動費、經常性維護費或後續存款要求。加密貨幣沒有最大購買限制，它提供個人帳戶、傳統 IRA、Roth IRA、SEP IRA 和 SIMPLE IRA。

As for its investment offerings, CoinIRA supports bitcoin, ether, litecoin, and over a dozen other coins and tokens. The platform also offers precious metals, which can be traded in a no-cost Digital Asset account or in a separate Precious Metals IRA. 

至於其投資產品，CoinIRA 支援比特幣、以太幣、萊特幣以及十多種其他硬幣和代幣。該平台還提供貴金屬，可以在免費數位資產帳戶或單獨的貴金屬 IRA 中進行交易。

Another perk is that CoinIRA charges no fees for insured offline crypto storage. It currently uses Equity Trust Company as its custodian for customer assets. You will encounter fees when trading. Buy transactions result in a 1.25% fee, and sell transactions cost you 1%. See more on its fees here.

另一個好處是 CoinIRA 對有保險的離線加密儲存不收取任何費用。目前，其使用股權信託公司作為客戶資產的託管人。交易時您會產生費用。買入交易需要支付 1.25% 的費用，賣出交易則需要支付 1% 的費用。請在此處查看有關其費用的更多資訊。

What to look out for: CoinIRA previously offered multiple wallet options, but now it mainly relies on Equity Trust Company's offline storage methods.

注意事項：CoinIRA 之前提供多種錢包選項，但現在主要依賴 Equity Trust Company 的離線儲存方式。

Best Bitcoin IRA for Low Fees

iTrustCapital

低費用的最佳比特幣 IRAsiTrustCapital

iTrustCapital offers more than 29 cryptocurrencies for traders interested in crypto IRA investing. Among these are assets like bitcoin, ether, cardano, dogecoin, polkadot, litecoin, and others (you can see a complete list here).

iTrustCapital 為對加密 IRA 投資有興趣的交易者提供超過 29 種加密貨幣。其中包括比特幣、以太幣、卡爾達諾、狗狗幣、波卡、萊特幣等資產（您可以在此處查看完整列表）。

The platform also offers gold and silver for precious metals traders. You can fund your account using an array of methods, including IRA transfers (iTrustCapital supports traditional, Roth, SEP, and SIMPLE IRAs), employer plan rollovers (available for 401(k)s, 403(b)s, thrift savings plans, and 457 plans).

該平台還為貴金屬交易者提供黃金和白銀。您可以使用多種方法為您的帳戶注資，包括IRA 轉帳（iTrustCapital 支援傳統IRA、Roth、SEP 和SIMPLE IRA）、雇主計劃展期（適用於401(k)s、403(b)s、儲蓄儲蓄計劃、和 457 計劃）。

iTrustCapital also partners with Coinbase Custody to provide a $320 insurance policy. 

iTrustCapital 也與 Coinbase Custody 合作提供 320 美元的保險單。

What to look out for: The cryptocurrency is limited.

注意事項：加密貨幣是有限的。

Best Bitcoin IRA for Account Flexibility

Broad Financial

帳戶靈活性最佳比特幣 IRABroad Financial

One thing that sets Broad Financial apart from the other IRA providers is that its bitcoin IRA is a Checkbook IRA LLC. Checkbook IRA LLCs give you complete control over your crypto, allowing you to choose any cryptocurrency, crypto exchange, or crypto wallet you want.

Broad Financial 與其他 IRA 供應商的區別之一是，其比特幣 IRA 是 Checkbook IRA LLC。 Checkbook IRA LLC 讓您可以完全控制您的加密貨幣，讓您可以選擇您想要的任何加密貨幣、加密貨幣交易所或加密貨幣錢包。

The IRAs are available as both a traditional IRA or Roth IRA (this means you can contribute with pre-tax or post-tax dollars). Broad Financial charges a one-time $50 set-up fee for self-directed IRAs. Checkbook IRAs require another one-time upgrade fee of up to $1,295. There's also a quarterly $105 custodial fee. 

IRA 可作為傳統 IRA 或 Roth IRA（這表示您可以使用稅前或稅後美元進行供款）。 Broad Financial 對自主 IRA 收取一次性 50 美元的設立費。 Checkbook IRA 需要另外支付一次高達 1,295 美元的一次性升級費用。還有每季 105 美元的保管費。

What to look out for: Even though there aren't any account minimum requirements, remember that you'll need $1,295 up front when setting up the IRA.

注意事項：儘管沒有任何帳戶最低要求，但請記住，在設定 IRA 時您需要預先支付 1,295 美元。

Other Bitcoin IRAs We Considered

• Rocket Dollar account: This company offers self-directed IRAs and solo 401(k)s. Its platform is also easy to navigate, giving you many investment options. Its setup fees — $360 or $600 — may be high for some.
• Equity Trust account: This company offers a range of assets, including real estate investments, precious metals, cryptocurrencies, stocks, and more. It lets you use Equity Trust's custody, crypto offerings, and expertise from other platforms like BitIRA. One of the drawbacks is that the platform doesn't offer much fee transparency.

Why You Should Trust Us: Our Methodology

Using Insider's rating methodology for investing platforms, we researched numerous bitcoin IRAs to find the best options for cryptocurrency selection, fees, security, features, and more. Investment apps are given a rating between 0 and 5.

我們考慮的其他比特幣 IRA 火箭美元帳戶：該公司提供自主 IRA 和單獨 401(k) 帳戶。其平台也易於瀏覽，為您提供多種投資選擇。它的設立費——360 美元或 600 美元——對某些人來說可能很高。股權信託帳戶：該公司提供一系列資產，包括房地產投資、貴金屬、加密貨幣、股票等。它可以讓您使用 Equity Trust 的託管、加密產品以及 BitIRA 等其他平台的專業知識。缺點之一是該平台不提供太多的費用透明度。為什麼您應該信任我們：我們的方法使用Insider 的投資平台評級方法，我們研究了大量比特幣IRA，以找到加密貨幣選擇、費用、安全性、功能的最佳選擇， 和更多。投資應用程式的評級介於 0 到 5 之間。

On the fee side, we paid close attention to account minimums and account setup fees/advisory fees. We also considered customer service availability when narrowing down platforms.

在費用方面，我們密切注意帳戶最低限額和帳戶設定費/諮詢費。在縮小平台範圍時，我們也考慮了客戶服務的可用性。

Rickie Houston

Senior Wealth-Building Reporter

Rickie Houston was a senior wealth-building reporter for Business Insider, tasked with covering brokerage products, investment apps, online advisor services, cryptocurrency exchanges, and other wealth-building financial products. Before Insider, Rickie worked as a personal finance writer at SmartAsset, focusing on retirement, investing, taxes, and banking topics. He's contributed to stories published in the Boston Globe, and his work has also been featured in Yahoo News. He graduated from Boston University, where he contributed as a staff writer and sports editor for Boston University News Service.

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Elias Shaya

Jr Compliance Associate

Elias Shaya is a junior compliance associate on the Personal Finance Insider team based in New York City. Personal Finance Insider is Insider's personal finance section that incorporates affiliate and commerce partnerships into the news, insights, and advice about money that readers already know and love. The compliance team's mission is to provide readers with stories that are fact-checked and current, so they can make informed financial decisions. The team also works to minimize risk for partners by making sure language is clear, precise, and fully compliant with regulatory and partner marketing guidelines that align with the editorial team. Elias is the point person for the loans sub-vertical and works with the editorial team to ensure that all rates and information for personal and student loans are up to date and accurate. He joined Insider in February 2022 as a fellow on the compliance team. Elias has a Bachelor of Science in International Business from the CUNY College of Staten Island. Prior to joining Insider, he volunteered at the New York Presbyterian Hospital, where he worked with the biomedical engineering department. In his spare time, Elias enjoys exploring new restaurants, traveling to visit his family in Lebanon, and spending time with friends.

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Tessa Campbell

Junior Investing Reporter

Tessa Campbell is a Junior Investing Reporter for Personal Finance Insider. She reports on investing-related topics like cryptocurrency, the stock market, and retirement savings accounts. She originally joined the PFI team as a Personal Finance Reviews Fellow in 2022. Her love of books, research, crochet, and coffee enriches her day-to-day life. 

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Rickie Houston 資深財富累積記者 Rickie Houston 是 Business Insider 的高級財富累積記者，負責報道經紀產品、投資應用程式、線上顧問服務、加密貨幣交易所和其他財富累積金融產品。在 Insider 之前，Rickie 曾在 SmartAsset 擔任個人理財作家，專注於退休、投資、稅務和銀行主題。他為《波士頓環球報》發表的報導做出了貢獻，他的作品也曾在《雅虎新聞》上發表。他畢業於波士頓大學，曾擔任波士頓大學新聞社的特約撰稿人和體育編輯。閱讀更多內容 閱讀更少 Elias Shaya Jr 合規助理 Elias Shaya 是紐約市 Personal Finance Insider 團隊的初級合規助理。 Personal Finance Insider 是 Insider 的個人理財部分，它將附屬機構和商業合作夥伴納入讀者已經了解和喜愛的有關金錢的新聞、見解和建議中。合規團隊的使命是為讀者提供經過事實查核的最新故事，以便他們能夠做出明智的財務決策。該團隊還致力於確保語言清晰、準確並完全符合與編輯團隊一致的監管和合作夥伴行銷準則，從而最大限度地降低合作夥伴的風險。 Elias 是貸款部門的負責人，他與編輯團隊合作，確保個人和學生貸款的所有利率和資訊都是最新且準確的。他於 2022 年 2 月加入 Insider，擔任合規團隊成員。 Elias 擁有紐約市立大學史泰登島學院國際商務理學士學位。在加入 Insider 之前，他曾在紐約長老會醫院的生物醫學工程部門擔任志工。在空閒時間，埃利亞斯喜歡探索新餐廳、前往黎巴嫩探望家人以及與朋友共度時光。閱讀更多 閱讀更少 Tessa Campbell 初級投資記者 Tessa Campbell 是 Personal Finance Insider 的初級投資記者。她報道與投資相關的議題，如加密貨幣、股票市場和退休儲蓄帳戶。她最初於 2022 年作為個人財務評論研究員加入 PFI 團隊。她對書籍、研究、鉤針編織和咖啡的熱愛豐富了她的日常生活。閱讀更多 閱讀更少