最佳比特币 IRA - 比特币 IRA：最佳整体比特币 IRA - BitIRA：确保账户安全的最佳比特币 IRA - Alto IRA：最佳比特币 IRA 投资选择 - CoinIRA：提供专家协助的最佳比特币 IRA - iTrustCapital：费用低廉的最佳比特币 IRA - Broad Financial：账户灵活性最佳的比特币 IRA

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付费非客户促销：此页面上产品的附属链接来自向我们提供报酬的合作伙伴（有关更多详细信息，请参阅我们的广告商披露和我们的合作伙伴列表）。然而，我们的意见是我们自己的。了解我们如何对投资产品进行评级，以撰写公正的产品评论。

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. 

加密货币和退休投资已经变得流行，尤其是像 Fidelity 这样的经纪公司提供比特币作为 401(k) 投资选择。然而，一些公司还通过自主 IRA 提供加密货币交易。

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).

对于那些想要在积累财富的同时避免资本利得税的人来说，比特币 IRA 可能是一个诱人的投资选择。如果没有 IRA，您将需要为常规加密货币交易缴纳资本利得税。但自我管理的 IRA 消除了这些额外费用（或至少推迟了这些费用）。

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. 

这些帐户也可以采用传统形式或罗斯形式。但你不能用现有的加密资产为这些账户提供资金；也就是说，您在设置帐户后必须用美元购买新的加密货币股票。

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.

最佳比特币 IRA 比特币 IRA：最佳整体比特币 IRABitIRA：账户安全的最佳比特币 IRA Alto IRA：最佳比特币 IRA 投资选择CoinIRA：专家协助的最佳比特币 IRA iTrust Capital：低费用的最佳比特币 IRA Broad Financial：账户灵活性的最佳比特币 IRA 这里是最好的比特币 IRA由 Insider 编辑提供。

Compare the Best Bitcoin IRAs

Best Bitcoin IRAs Frequently Asked Questions (FAQs)

Bitcoin IRA Reviews

Best Bitcoin IRA Overall

Bitcoin IRA

比特币 IRA 评论总体最佳比特币 IRA 比特币 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 是行业领先的加密 IRA 平台，支持 60 多种加密货币（如比特币、以太币、莱特币、现金和数字黄金）的 24/7 交易。只需几分钟即可设置账户，享受安全的冷钱包存储、256 位加密 SSL 交易以及高达 7 亿美元的数字资产保险。

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.

开始使用比特币 IRA 的最低金额为 3,000 美元，另加 2.99% 的一次性存款的一次性服务费、2.00% 的交易费和每月收取的 0.08% 的安全费。

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.

比特币 IRA 涵盖退休基金展期的支持服务（比特币 IRA 可让您展期来自传统 IRA、Roth IRA、SEP IRA、SIMPLE IRA、403bs 或 401(k)s 的资金）、安全存储以及自主 IRA 的设置成本与 BitGo Trust 合作。

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

关于加密存储，Bitcoin IRA 将您的资产存储在 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. 

注意事项：费用和定价并不简单。您需要联系公司代表以获取更多信息，因为某些费用根据您的余额而有所不同。

Bitcoin IRA review

比特币 IRA 审查

Best Bitcoin IRA for Account Security

BitIRA

账户安全的最佳比特币 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. 

对于希望将比特币和其他虚拟资产添加到退休账户的投资者来说，BitIRA 是另一种受欢迎的 IRA 选项。其托管人股权信托公司负责处理账户的所有管理职责，同时让您完全控制自己的资产。

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 支持多种加密货币。其中包括比特币、比特币现金、以太币、以太坊经典、莱特币、zcash、stellar lumens、比特币SV等。您至少需要 5,000 美元才能开始使用。但没有经常性的月费或年费。

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 还高度重视安全性。该公司只允许您通过多因素身份验证访问您的加密资产，并且它依靠离线冷存储来保护您的资产。此外，BitIRA 还提供 1 亿美元的托管保险，以保护您免遭盗窃、破坏或丢失。

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

注意事项：BitIRA 较高的最低要求是该平台最大的缺点之一。

Best Bitcoin IRA Investment Selection

Alto IRA

最佳比特币 IRA 投资选择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 提供低廉的费用和众多另类投资的机会，包括美术、初创企业、房地产、加密货币、私募股权等。该公司还与 Coinbase 合作，利用热存储和冷存储提供 200 多种加密货币。

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

此外，该平台还为您提供 3.2 亿美元的商业犯罪保单保险和 300 万美元的网络犯罪保险。

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

注意事项：Alto IRA 的一些投资是为经过认可的投资者保留的，并且不提供 SIMPLE IRA。

Best Bitcoin IRA for Expert Assistance

CoinIRA

最佳比特币 IRA 专家协助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 为有兴趣将加密货币纳入 IRA 的投资者提供多种资源。其中包括帮助您解决加密相关问题的顾问和免费的加密货币 IRA 指南，该指南告诉您有关税收优惠、加密退休储蓄、通胀对冲等所需了解的一切。

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 要求最低启动投资为 5,000 美元，这是相当高的，但没有启动费、经常性维护费或后续存款要求。加密货币没有最大购买限制，它提供个人账户、传统 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. 

至于其投资产品，CoinIRA 支持比特币、以太币、莱特币以及十多种其他硬币和代币。该平台还提供贵金属，可以在免费数字资产账户或单独的贵金属 IRA 中进行交易。

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.

另一个好处是 CoinIRA 对有保险的离线加密存储不收取任何费用。目前，其使用股权信托公司作为客户资产的托管人。交易时您会产生费用。买入交易需要支付 1.25% 的费用，卖出交易则需要支付 1% 的费用。请在此处查看有关其费用的更多信息。

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

注意事项：CoinIRA 之前提供多种钱包选项，但现在主要依赖 Equity Trust Company 的离线存储方式。

Best Bitcoin IRA for Low Fees

iTrustCapital

低费用的最佳比特币 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 为对加密 IRA 投资感兴趣的交易者提供超过 29 种加密货币。其中包括比特币、以太币、卡尔达诺、狗狗币、波卡、莱特币等资产（您可以在此处查看完整列表）。

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).

该平台还为贵金属交易者提供黄金和白银。您可以使用多种方法为您的账户注资，包括 IRA 转账（iTrustCapital 支持传统 IRA、Roth、SEP 和 SIMPLE IRA）、雇主计划展期（适用于 401(k)s、403(b)s、储蓄储蓄计划、和 457 计划）。

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

iTrustCapital 还与 Coinbase Custody 合作提供 320 美元的保险单。

What to look out for: The cryptocurrency is limited.

注意事项：加密货币是有限的。

Best Bitcoin IRA for Account Flexibility

Broad Financial

账户灵活性最佳比特币 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 与其他 IRA 提供商的区别之一是，其比特币 IRA 是 Checkbook IRA LLC。 Checkbook IRA LLC 使您可以完全控制您的加密货币，允许您选择您想要的任何加密货币、加密货币交易所或加密货币钱包。

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 可作为传统 IRA 或 Roth IRA（这意味着您可以使用税前或税后美元进行供款）。 Broad Financial 对自主 IRA 收取一次性 50 美元的设立费。 Checkbook IRA 需要另外支付一次高达 1,295 美元的一次性升级费用。还有每季度 105 美元的保管费。

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.

注意事项：尽管没有任何帐户最低要求，但请记住，在设置 IRA 时您需要预先支付 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.

我们考虑的其他比特币 IRA 火箭美元账户：该公司提供自主 IRA 和单独 401(k) 账户。其平台也易于浏览，为您提供多种投资选择。它的设立费——360 美元或 600 美元——对某些人来说可能很高。 股权信托账户：该公司提供一系列资产，包括房地产投资、贵金属、加密货币、股票等。它可以让您使用 Equity Trust 的托管、加密产品以及 BitIRA 等其他平台的专业知识。缺点之一是该平台不提供太多的费用透明度。为什么您应该信任我们：我们的方法使用 Insider 的投资平台评级方法，我们研究了大量比特币 IRA，以找到加密货币选择、费用、安全性、功能的最佳选择， 和更多。投资应用程序的评级介于 0 到 5 之间。

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.

在费用方面，我们密切关注账户最低限额和账户设置费/咨询费。在缩小平台范围时，我们还考虑了客户服务的可用性。

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 高级财富积累记者 Rickie Houston 是 Business Insider 的高级财富积累记者，负责报道经纪产品、投资应用程序、在线顾问服务、加密货币交易所和其他财富积累金融产品。在 Insider 之前，Rickie 曾在 SmartAsset 担任个人理财作家，专注于退休、投资、税务和银行主题。他为《波士顿环球报》发表的报道做出了贡献，他的作品也曾在雅虎新闻上发表过。他毕业于波士顿大学，曾担任波士顿大学新闻社的特约撰稿人和体育编辑。阅读更多内容 阅读更少 Elias Shaya Jr 合规助理 Elias Shaya 是纽约市 Personal Finance Insider 团队的初级合规助理。 Personal Finance Insider 是 Insider 的个人理财部分，它将附属机构和商业合作伙伴纳入读者已经了解和喜爱的有关金钱的新闻、见解和建议中。合规团队的使命是为读者提供经过事实核查的最新故事，以便他们能够做出明智的财务决策。该团队还致力于确保语言清晰、准确并完全符合与编辑团队一致的监管和合作伙伴营销准则，从而最大限度地降低合作伙伴的风险。 Elias 是贷款部门的负责人，他与编辑团队合作，确保个人和学生贷款的所有利率和信息都是最新且准确的。他于 2022 年 2 月加入 Insider，担任合规团队成员。 Elias 拥有纽约市立大学史泰登岛学院国际商务理学学士学位。在加入 Insider 之前，他曾在纽约长老会医院的生物医学工程部门担任志愿者。在业余时间，埃利亚斯喜欢探索新餐厅、前往黎巴嫩探望家人以及与朋友共度时光。阅读更多 阅读更少 Tessa Campbell 初级投资记者 Tessa Campbell 是 Personal Finance Insider 的初级投资记者。她报道与投资相关的话题，如加密货币、股票市场和退休储蓄账户。她最初于 2022 年作为个人财务评论研究员加入 PFI 团队。她对书籍、研究、钩针编织和咖啡的热爱丰富了她的日常生活。阅读更多 阅读更少