How to Invest your Alto IRA on Percent

Invest your IRA in short-term, high-yielding notes

Welcome to AltoIRA, we're so glad you're here! 

AltoIRA is a digital platform that makes it easy for individuals to invest in alternatives using their IRA. You can find our fee schedule and learn more about AltoIRA here

Should you need help at any time, don't hesitate to reach out to our team at or by calling (877) 673-1557.

This walkthrough covers the following steps necessary to invest on Percent:

The Percent x AltoIRA Partnership

Open, Fund, and Set Up Your Alto IRA

Add a Credit Card

Invest on Percent

What to Expect Next

The Percent x AltoIRA Partnership

Alto has partnered with Percent to enable IRA investing in short term, alternative notes. You can learn more about Percent and view their calendar of upcoming investment offerings here

To invest on Percent's platform, you will need an  account with both AltoIRA and Percent. To set up your Percent account, please contact for on-boarding and account creation. After being approved, you will be provided login credentials to access your account. You will use this account to browse deals, reserve commitments, and access your Percent dashboard.

Note: Please change the password for your Percent account at your earliest convenience

After you have successfully set up a separate Percent account for your IRA, please follow the steps below to set up and fund your Alto IRA. 

Open, Fund, and Set Up Your Alto IRA

Register: Click this link to get started.  Select Investor as the account type and enter in your name, email address, and login information.

Click the E-Sign embedded link to review disclosures and I agree button to confirm your understanding. 

Return to the register page to check the I accept box and click Sign Up.



Verify your email: Check your email inbox and click  Confirm Email to log back into Alto and continue. Didn't receive the email? Check your spam folder or email for additional assistance. 


Setup your IRA: After confirming your email, please select Private Equity, Venture Capital, Real Estate as your desired investment type and click Next



Select your desired IRA type and click Next.



Enter your home address and click Next.



Enter your phone number and click Next.



Enter your birthday and click Next. 


Enter your Social Security Number and click Next.


On the final page, you can review your IRA setup summary and finish by E-Signing and clicking Create My IRA.


Congrats! Your Alto IRA is now set up and ready to be funded. 

Fund Your Alto IRA

Once you've set up your Alto IRA, you will be prompted to fund your IRA by either a cash contribution or by transferring from another retirement account. IRAs and former employee sponsored plans (including 401(k)s) are all eligible to transfer to your Alto IRA.

You can fund your Alto IRA at anytime by clicking I want to...Fund My Alto IRA from your center toolbar or by completing the Step 3Transfer Funds into your new Alternative IRA prompt on your dashboard.  You can also follow the prompt during initial setup.



You can find detailed walkthroughs on funding your Alto IRA via a cash contribution or transfer here.  Please keep in mind the following funding timelines from the date of IRA creation:


Source Method of Payment Invest in as little as...
Cash Contribution  Wire 7 days
ACH 7-8 days
Transfer from another Custodian (dependent on Custodian lead times) Wire 7-12 days
Check 12-24 days


Tip: Using a wire transfer as the transfer method is the fastest way to fund your IRA.

Add a Credit Card

Alto requires a credit card on file for investment and monthly admin fees. You can learn more about our transparent pricing here.  During account setup, you will be prompted to add a credit card. 

You can also add a credit card  by returning to your dashboard and clicking Start alongside Step 4. 


Enter in your credit card information and click Next.


Confirmed! Your account is now setup and funding requested. Follow the steps below to complete your investment on Percent. 

Invest On Percent

Once you have an investment in mind, please let a member of Percent's team know you'd like to invest by emailing

Shortly, you will receive an email notification from AltoIRA inviting you to invest in a Percent offering that includes your name. Please click View  to log onto your dashboard and E-Sign your Direction of Investment or click View on your dashboard. 


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After answering an IRS required question, you will be prompted to review the deal documents. Click Review and E-Sign to continue. 


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Confirm your investment amount one last time before clicking Execute/Transfer funds. 


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Almost done! A member of Percent's team will send you a HelloSign signature request. After providing an E-Signature, AltoIRA will send funds on behalf of your IRA and complete your investment. 


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What to Expect Next

Once you've completed the steps outlined above, AltoIRA will direct funds on your behalf and execute your IRA's investment. AltoIRA will provide annual IRS tax reporting, including Form 5498 and 1099-Rs, which will be available in your online Tax Center. 

You can find FAQs and helpful resources related to your Alto IRA here

Please don't hesitate to reach out to Alto's team at (877) 673-1557 or