Is Now a Good Time to Add Crypto To Your IRA?

Wake us up when September ends. Thankfully, we are almost there.

The stock market is plummeting, crypto is imploding, and the vibes on CNBC Squawk on the Street are not ideal. But with the markets in flux and Bitcoin down ~57% in the last 6 months, is now a good time to consider investing in crypto for the long term with the tax advantages of an IRA? We’ll take a look with our Alto Crypto IRA Review and show you where you can get started in investing in crypto in your IRA.

Courtesy of Google Finance
Courtesy of Google Finance

Crypto IRAs are a great way to gain exposure to investing in the broader cryptocurrency asset class, while maintaining the tax benefits of an IRA. This is a whole new opportunity available to investors now which was once never accessible. If you want to read our entire overview of all things crypto IRAs and crypto ROTH IRAs, you can check out our breakdown here.

We’ve done an extensive review of the leading crypto IRA platforms out there, but our absolute favorite is Alto IRA.

Alto IRA

Best IRA for low rates and fees

Alto IRA is a Nashville, TN, tech-based option for investing in crypto and other alternative investments. The company launched in 2016 and has since provided its services to investors. 

It’s an independent firm that provides access to several investment options, including cryptocurrencies, commodities, and more. Alto IRA offers investors an alternative and more straightforward way to put their money into these investment avenues while avoiding common hassles. 

Alto connects directly with Coinbase giving you access to more than 150 different coins. You can use your retirement savings to invest in crypto using Coinbase and then have that money automatically moved into a secure, self-directed IRA account at Alto.

The organization also provides outstanding customer service and blog material to guide you through the process of creating your account and financing.

Alto claims to have a transparent pricing system free from hidden charges, commissions, and investment minimums. The company lists its complete pricing guide online for users and interested parties to view and utilize. 

The Alto-IRA fee structure includes $25 account and custody fees, 1% on trade fees, $25 Wire transfer fees during funding, and $50 in case you want to close an account. Other costs include a $75 private investment fee and a $10 to $50 partner investment fee.

Alto IRA and Coinbase use various security measures to protect their users’ assets, including two-factor authentication and cold storage. All Coinbase and Alto IRA employees go through comprehensive background checks during hiring.

Coinbase also encourages using solid passwords, and they utilize SSL encryption to secure data transfer channels between customers and servers. Finally, the company uses SQL injection filters to protect against unauthorized access to databases. These layers of protection help ensure that customer funds are safe from cybercriminals.


  • Alto CryptoIRA® lets you buy and sell more than 200 coins and tokens through an integration with Coinbase—including Bitcoin, Ethereum, Solana and more.
  • A transparent and consistent fee structure
  • No account fees: There are no setup or account fees to get started. Just a low 1% fee when you make a trade.


  • Users do not store their private crypto keys.

Please read our Disclaimer: Web3 Money is a paid affiliate for many of these products and services and may receive compensation. This material has been distributed for informational and educational purposes only, and is not intended as investment, legal, accounting, or tax advice. Investing involves risk. Financial investment involves the risk of loss. We are not financial advisors nor tax advisors. The information provided on this website does not constitute investment advice, financial advice, trading advice, or any other sort of advice and you should not treat any of the website’s content as such. Web3 Money does not recommend that any cryptocurrency should be bought, sold, or held by you. Do conduct your own due diligence and consult your financial advisor before making any investment decisions.