Why IRAfi Crypto Might Be The Retirement Hack You Need
If you're into crypto and thinking long-term, here's a genius strategy most people overlook:
Putting crypto inside a Self-Directed IRA (SDIRA).
I know that might sound a little technical, but stick with me – it might just save you a ton in taxes, and make your investments work smarter.
The best part is, IRA Financial is here to walk you through every step of the way.
But first, let’s recap the basics.
An IRA is a tax-advantaged retirement account. Normally, you’d fill it with boring (but reliable) stuff like mutual funds or index ETFs.
Safe? Yeah. Life-changing? Not really.
But with a Self-Directed IRA, you can get way more creative.
This includes investing in things like Bitcoin or other crypto, or even private startups and real estate.
So what’s the big deal about putting crypto in an IRA instead of just buying it through your normal wallet or exchange?
1. Put The Tax Rules To Work For You
You might already know this, but crypto outside of an IRA can be a bit of a tax headache.
Every time you trade – whether you're cashing out or swapping tokens – you’ve got to track it and pay capital gains taxes.
On the other hand, inside an IRA, you can get tax-deferred or even tax-free growth. What does that mean?
- With a Traditional IRA, you don’t pay taxes until you distribute funds during retirement.
- With a Roth IRA, you pay taxes up front, and then it grows completely tax free forever (as long as you follow the rules when you take the money out).
So if your Bitcoin shoots up in value and you cash it out in your Roth IRA at age 60?
It could be zero tax! That’s a huge win.
2. It's A Great Way To Diversify
Most people’s retirement accounts are tied up in stocks and bonds…and that’s fine.
But adding crypto gives you exposure to an asset that moves more independently, or as they call it in the investment world – it’s uncorrelated.
When the stock market dips, Bitcoin might not.
Even if you’re only putting a small percentage of your IRA into crypto, it can help balance out your portfolio, while also adding some high-growth potential.
3. You’ll Think More Long-Term (Which Is A Good Thing)
Another neat thing is, simply putting crypto in an IRA can totally change how you treat it.
That crypto becomes part of your long-term retirement plan, rather than just a hype-driven side hustle. Therefore, you’re less likely to panic sell during dips or try to time the market.
That’s super helpful, especially with something as volatile as crypto. An IRA naturally encourages you to HODL, even if it’s against your instincts.
4. Extra Protection
In most states, IRAs are treated as protected retirement savings.
That means if you ever get sued or go bankrupt, your crypto in an IRA might be off-limits to creditors.
That kind of safety just doesn’t exist with a regular personal crypto wallet.
So… How Do You Actually Do This?
Alright, we’ve talked about why putting crypto in a retirement account makes a ton of sense.
Now let’s talk about how – because that’s where most people get stuck.
This is where IRA Financial’s IRAfi Crypto comes in.
IRAfi Crypto takes all the good stuff we just covered (tax advantages, long-term focus, and diversification) and makes it easy to act on.
There’s no need to set up a Limited Liability Company (LLC), no weird workarounds, and no jumping through hoops.
You just open an account, transfer in funds from an existing IRA or 401(k), and start investing in crypto directly.
That’s it.
You can trade over 45 of the most popular coins, including Bitcoin, Ethereum, and a bunch of others, from right inside your retirement account.
Real Crypto, Real Control – Without The Risk Of DIY
It’ll give you peace of mind to know you’re not using some sketchy offshore exchange, either.
IRAfi Crypto partners with Bitstamp, one of the oldest and most well-regulated crypto exchanges around.
They’ve been in the game since 2011 and offer serious security measures. That includes cold storage, whitelisting, encryption, and more.
Your funds also stay safe and separate from company assets, which is a big deal in crypto.
And if you’re worried about how much you might need to get started – there’s no minimum deposit required.
You can get started with as little as $10, and the flat $100 annual fee means you’re not getting dinged with a bunch of hidden charges.
Trades cost just 1%, and that’s it. No surprises.
The best part is, they also handle all the IRS reporting for you.
So instead of worrying about whether you’re filing correctly after every crypto move, you can simply sit back and let IRA Financial handle it.
Try A Smarter Way To Hold Crypto Long-Term
If you’re already sold on the concept of investing crypto through a retirement account, but still have questions about how it works – no need to worry!
IRA Financial has real humans you can talk to.
That includes a live chat, phone consults, even a mobile app to keep things easy.
You don’t need to be a crypto expert or a financial wizard. You just need to want more control (and better results) from your retirement strategy.
Click below to see if you prequalify for an IRAfi Crypto account, and start taking advantage of the benefits.