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How To Buy
Crypto With A
Bitcoin Roth IRA

Bitcoin Roth IRAs have many advantages, including tax-saving benefits, 24/7 trading, and diversification.

Bitcoin Roth IRA

What’s a Bitcoin Roth IRA?

A Bitcoin Roth IRA is a unique investment vehicle that allows individuals to hold Bitcoin within their Roth Individual Retirement Account (IRA). A Roth IRA is a tax-advantaged retirement account that offers the potential for tax-free growth and tax-free withdrawals in retirement.

There are many ways to take advantage of cryptocurrencies, and one of the top ways is with a self-directed Bitcoin Roth IRA. A Bitcoin Roth IRA on our platform lets people invest in cryptocurrencies like Bitcoin, Ethereum, Litecoin, and more. By combining the benefits of a Roth IRA with the potential of Bitcoin, investors have the opportunity to diversify their retirement portfolio and potentially achieve significant growth.

Benefits of Investing in Crypto with a Bitcoin Roth IRA

There are dozens of benefits of Bitcoin Roth IRAs, also known as cryptocurrency Roth IRAs:

1. One of the main benefits of Bitcoin Roth IRAs is that they offer substantial tax advantages that many other types of investment accounts don’t have. With a Roth IRA, contributions are made with after-tax dollars, meaning you don’t get an immediate tax deduction. However, the main advantage of a Roth IRA is that qualified withdrawals in retirement are tax-free.

When it comes to Bitcoin investments within a Roth IRA, any gains made from the sale or exchange of Bitcoin are typically tax-free if certain conditions are met. The conditions for tax-free treatment include: the Roth IRA must be open for at least five years, and you must be at least 59 ½ years old when making the withdrawal.

2. Another notable benefit of a Bitcoin Roth IRA is that cryptocurrency experts consider cryptos to be low-correlation assets. Investing in Bitcoin could be used to diversify your retirement portfolio, protecting your portfolio if other asset classes fall in price.

3. Finally, Bitcoin has shown tremendous growth potential over the years, making it an attractive investment option. By including Bitcoin in your Roth IRA, you can take advantage of its potential exponential growth while enjoying the tax benefits of a Roth IRA. 

Popular Cryptos to Invest In A Bitcoin Roth IRA

Some of the biggest experts in crypto came up with and believe cryptocurrencies will continue growing in price. Some of the most popular cryptocurrencies to invest in include:

  • Bitcoin (BTC): Bitcoin is a decentralized digital currency that operates on a technology called blockchain. It was created in 2009 by an anonymous person or group of people using the pseudonym Satoshi Nakamoto. Bitcoin offers several advantages as a retirement investment. Bitcoin has the largest market cap and the most support from big companies like PayPal.
  • Ethereum (ETH): Ethereum has two main purposes: use as a form of money, and as a platform for seemingly endless financial applications. An interesting difference between Ethereum and Bitcoin is its capability of “programmable money,”, allowing smart contracts, which are flexible self-executing contracts. The successful Ethereum 2.0 rollout further boosted security and gave way to earn interest on Ethereum through staking.
  • Litecoin (LTC): Litecoin was made to complement other cryptocurrencies, not replace them. It transacts 4x faster than Bitcoin and uses SegWit to remove signature data from transactions.
  • Bitcoin Cash (BCH): Bitcoin was forked in 2017, and thus Bitcoin Cash was created. The benefit of Bitcoin Cash compared to Bitcoin is that its network transacts far more quickly; around 2 million transactions per day.

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4 Reasons to Invest in Crypto with a Bitcoin IRA

As mentioned, possibly one of the greatest ways to invest in Bitcoin is with a Bitcoin Roth IRA. Here are some reasons to invest in Bitcoin and other cryptocurrencies with our retirement platform:

  • We‘re the first platform to enable investors to self-trade cryptocurrencies within their IRAs. Over 170,000 users have signed up with us, making us the largest Bitcoin Roth IRA platform.
  • Cryptocurrency security is of utmost importance to those with Bitcoin Roth IRAs. That’s why we utilize world-class security to safeguard assets. We have an exclusive relationship with BitGo, which processes 20% of all global Bitcoin transactions and holds over $16 billion in assets under custody. Not only that, but our users can feel safe knowing that their custodial assets are insured up to $700 million 1, and the offline-stored assets are SOC 2 Type 2 certified.
  • If you understand and see the value in cryptocurrencies, then you likely care about using industry-leading technology. Our proprietary self-trader is easy to use and allows users to buy, sell, and swap cryptocurrencies at any time.

How to Create a Bitcoin Roth IRA

There are two ways to get started with a Bitcoin Roth IRA. The first way is to create and fund a new account. The second method is to transfer your existing retirement account into a self-directed cryptocurrency Roth individual retirement account. Here are the steps:

1. Open a Roth IRA account with BitcoinIRA 2. This involves completing the necessary paperwork, providing identification documents, and funding your account.

2. We will guide you through the process and ensure that everything is set up correctly.

3. After your account is set up, you can start investing in Bitcoin and in more than 60 available cryptocurrencies.

4. Start Trading 24/7 In Real Time, once your account is funded, you can buy, sell or swap anytime, anywhere by visiting the self-trading area within your dashboard.


Invest in a Bitcoin Roth IRA with BitcoinIRA

Investing in Bitcoin with a self-directed Roth IRA offers unique opportunities for diversification and potential growth. By understanding the benefits, risks, and considerations associated with Bitcoin IRAs, you can make informed decisions that align with your retirement goals. If you’re interested in exploring the world of Bitcoin IRAs, consider opening an account at or scheduling a call with us today.

Our platform and custodial services can help you navigate the process and securely manage your Bitcoin investments within a self-directed Roth IRA. Remember to carefully consider your investment objectives before making any decisions. With proper planning and strategy, a Bitcoin Roth IRA could be a valuable addition to your retirement portfolio.


1. Insurance may vary based on asset chosen and custody solution available.

2. 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.