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Can You Invest in Crypto Through Morgan Stanley Using Your IRA?

With the incredible 2024 performance of cryptocurrencies, where the Total Crypto Market Cap grew by an impressive +97.7% over the entire year, more investors are seeking ways to integrate digital assets into their retirement portfolios. One common question is whether traditional institutions such as Morgan Stanley allow clients to invest in cryptocurrency through an IRA. While Morgan Stanley has been a leader among traditional financial institutions in offering Bitcoin exposure, its crypto investment options are currently limited and do not include direct cryptocurrency ownership within an IRA. 

Morgan Stanley’s Crypto Investment Offerings 

Morgan Stanley was the first major U.S. bank to offer Bitcoin funds to wealthy clients in 2021 and has since led the charge in providing Bitcoin exchange-traded funds (ETFs). However, access to these investment vehicles is restricted. 

According to CNBC, only clients with a net worth of $1.5 million, an aggressive risk tolerance, and a desire for speculative investments are eligible for Bitcoin ETF solicitation. Additionally, these Bitcoin ETFs are available exclusively for taxable brokerage accounts, not retirement accounts like IRAs. This means that if you want to invest in crypto for your retirement, Morgan Stanley currently does not offer a direct path. 

While Morgan Stanley CEO Ted Pick has expressed interest in working with U.S. regulators to explore deeper crypto involvement, the firm’s ability to act as a transactor in the crypto space remains constrained by regulatory uncertainty. Until regulations change, investors seeking cryptocurrency exposure in an IRA will need to look elsewhere. 

How to Invest in Crypto for Retirement Using a Crypto IRA 

If you want to add cryptocurrency to your retirement portfolio, a Crypto IRA is one of the best options. Unlike traditional financial institutions that limit crypto exposure, a Crypto IRA allows you to invest in digital assets directly within a tax-advantaged retirement account. Here’s how it works: 

  1. Open a Crypto IRA Account: Choose a reputable Crypto IRA provider like BitcoinIRA¹ to set up your self-directed retirement account. 
  2. Fund Your Account: You can fund your Crypto IRA through a rollover from an existing retirement account (401(k)), doing a transfer (traditional IRA, Roth IRA) or by making a new contribution.  
  3. Choose Your Cryptocurrencies: BitcoinIRA offers a wide range of digital assets, including Bitcoin, Ethereum, Solana and other leading cryptocurrencies. 
  4. Secure Your Investments: Your assets are held with institutional-grade security and insurance² protection. 
  5. Enjoy Tax Advantages: Crypto IRAs offer tax-deferred or tax-free growth depending on whether you choose a traditional or Roth IRA. 
The Benefits of a Crypto IRA 

Investing in cryptocurrency through a Crypto IRA provides several advantages: 

  • Portfolio Diversification: Digital assets offer a hedge against traditional market volatility and inflation. 
  • Tax Benefits: Gain potential tax advantages depending on your IRA type—traditional IRAs offer tax-deferred growth, while Roth IRAs allow tax-free withdrawals. 
  • Long-Term Growth Potential: Bitcoin and other cryptocurrencies have demonstrated significant long-term appreciation, making them an attractive retirement investment. 
  • Control Over Your Investments: Unlike traditional institutions with restrictive investment criteria, a Crypto IRA allows you to manage your portfolio based on your financial goals. 
Start Your Crypto IRA Today 

While Institutional crypto investment options remain limited for retirement accounts, you don’t have to miss out on the opportunity to grow your wealth with digital assets. With BitcoinIRA, you can take full control of your retirement portfolio and invest in crypto with confidence. 

Ready to secure your financial future with a Crypto IRA? Open an account with BitcoinIRA today and start investing in cryptocurrency for your retirement. 

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  1. Bitcoin IRA is a platform that connects consumers to qualified custodians, digital wallets and cryptocurrency exchanges. The company is not a custodian, is not a digital wallet and is not an exchange. The information provided in this article is for educational purposes only. We encourage you to consult an adviser or professional to determine whether Bitcoin IRA makes sense for you.

  2. Security, storage, wallet providers, and insurance may vary based on asset chosen and custody solution available.
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