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How is investing in a crypto fund vs. CryptoIRA different?

While both options let you gain exposure to cryptocurrency through your IRA, they work very differently.

  • Eligibility Requirements
    Most managed crypto funds are limited to accredited investors and require you to invest through a specific fund manager or platform. Alto CryptoIRA® is available to any investor with a Traditional or Roth IRA—no accreditation required.

  • Access to Digital Assets
    Crypto funds typically offer exposure to a small, curated selection of digital assets. In contrast, Alto CryptoIRA® is integrated with Coinbase, allowing you to directly trade over 200+ coins and tokens.

  • Control and Flexibility
    With a crypto fund, the fund manager makes investment decisions on your behalf. With Alto CryptoIRA®, you choose what to buy and sell through your Alto account.

  • Fees and Transparency
    Crypto funds may charge management fees, performance fees, or enforce lock-up periods. Alto CryptoIRA® has a 1% trading fee, with no hidden management or advisory fees.
    (Be sure to check each crypto fund’s website for full fee disclosures.)

  • Custody and Security
    Alto CryptoIRA® assets are custodied by Coinbase, which includes insurance protection and institutional-grade security measures. Custody arrangements for crypto funds may vary by provider.