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How to Improve Your Retirement Score: Strategies to Secure a Stronger Financial Future

Posted on May 22, 2025 | by BitcoinIRA

Key Sections

Preparing for retirement isn’t just about saving money, it’s about knowing how ready you truly are. That’s where your Retirement Score* comes in. This score offers a clear snapshot of your current financial preparedness and highlights areas where your strategy may need adjustment.

Whether you’re nearing retirement, still building your nest egg, or exploring how digital assets like crypto can play a role, understanding and improving your Retirement Score is crucial.

Understanding Your Retirement Score

Score Range	Rating	Description
800 – 850	Excellent	Individuals in this range can feel confident in their savings, investments, and retirement plans, which are on track for a secure and comfortable future.
740 – 799	Very Good	People are well-prepared but might benefit from refining their strategy to further optimize their financial position.
670 – 739	Good	They have solid foundations but may face some planning or savings gaps that need moderate adjustments to achieve full retirement goals.
580 – 669	Fair	These individuals are making progress but require more deliberate changes in saving or investing to secure financial stability.
Less than 579	Poor	At risk of being underprepared; urgent actions such as increasing contributions, reducing debt, or revising investments are necessary.

What Retirement Score Fits Your Nest Egg Goals?

The “right” Retirement Score for you depends on how long you expect to be retired, how much you plan to spend, and your comfort with financial risk. But beyond those basics, the type of assets you invest in, especially crypto, can play a powerful role in shaping that score.

Here’s how to align your score with your goals:

Early Retirees (Target Score: 740+): If you plan to retire in your 50s or early 60s, your savings need to stretch longer.
Moderate Spenders (Target Score: 670–739): For those with average retirement expenses, you’re likely on stable ground, provided your assets grow at a decent rate.
Risk-Averse Individuals (Target Score: 800+): Conservative investors typically avoid volatile markets, but with careful diversification, crypto can still be part of the plan.
High-Net-Worth Individuals (Target Score: 800–850): If your focus is wealth preservation, your Retirement Score should reflect that. Still, some exposure to high-growth assets can add resilience and legacy potential.

Tip: Use BitcoinIRA’s tools to project how different crypto allocations impact your Retirement Score. Small percentage shifts today can yield major outcomes in the future.

How Can My Score Improve?

The good news is that there are some strategies you can follow to enhance your retirement readiness, regardless of where you currently stand on the scoring spectrum.

1. Dollar-Cost Averaging (DCA): DCA is a disciplined investment strategy where you invest a fixed amount of money into assets (like Bitcoin or Ethereum) at regular intervals, for instance, a fixed monthly contribution to your IRA, regardless of market price. This approach:

Reduces the risk of market timing errors.

Smooths out the volatility over time.

Helps you build wealth steadily and consistently.

By applying DCA to your retirement strategy, you can grow your portfolio without being overly reactive to market swings.

2. Holding (HODLing) for the Long-Term: Holding your investments through market cycles rather than panic-selling during downturns is essential to long-term wealth building. This strategy:

Allows compounding to work in your favor.

Protects gains from being eroded by short-term emotional decisions.

Aligns perfectly with mid- to long-term retirement horizons.

Sticking to your plan and resisting the urge to constantly buy and sell ensures you benefit from the market’s natural long-term growth.

3. Increase Contributions Gradually: Even small increases in your monthly crypto or retirement contributions can significantly improve your score. Automating these investments can make the process seamless and reduce the temptation to spend.

4. Rebalance & Diversify: Regularly check your portfolio to ensure it’s aligned with your risk profile and retirement horizon. For short-term goals, you may want more stablecoins and low-volatility assets, while long-term strategies can support a higher allocation in high-growth tokens.

5. Leverage Passive Income Tools

Explore safe staking opportunities (like ETH 2.0 or USDC in DeFi protocols) to earn yield without actively trading. This can enhance returns while still holding the core assets.

Your Path to a Stronger Retirement Starts Now

Your Retirement Score is more than just a number, it’s a reflection of your financial habits, investment strategy, and long-term goals. The good news? No matter where you currently fall on the scale, there are clear, achievable steps to improve your readiness.

By adopting strategies like consistent investing through DCA, staying committed to long-term holdings, and leveraging diversified crypto exposure, you can steadily build resilience into your portfolio. Combine that with smart tools, regular rebalancing, and passive income opportunities, and your retirement future can shift from uncertain to secure.

Start now, because small, intentional changes today can translate into lasting financial freedom tomorrow. Schedule a free call with a BitcoinIRA¹ specialist to explore how strategic crypto investing can elevate your retirement readiness and help you reach your long-term goals.

*The projections and information provided by the Retired.com Retirement Score tool are for informational and educational purposes only. They should not be construed as legal, tax, financial, or investment advice. This tool does not provide personalized investment recommendations, nor does it suggest specific investment actions or account types. The tool does not take into account your specific financial situation, objectives, or risk tolerance. It does not reflect actual investment performance, nor does it guarantee future results.

The tool allows you to explore hypothetical scenarios to help assess your retirement strategy, but the assumptions and methodology used are not tailored to any specific individual. Results may vary with each use and over time. All information, assumptions, and projections are hypothetical in nature and should be used as a general guide only. They are not guaranteed to be accurate, complete, or current. This tool should not be your sole resource when making financial decisions. Please consult a qualified financial or tax professional to address any questions specific to your situation.

Everything You Need to Know About Crypto IRAs

Posted on May 21, 2025 | by BitcoinIRA

Key Sections

The traditional world of retirement planning is evolving, and fast. With the meteoric rise of cryptocurrencies, savvy investors are now asking: Can digital assets like Bitcoin or Ethereum be part of my retirement portfolio? The answer is a resounding yes, thanks to Crypto IRAs.

A Crypto IRA is not just a trendy buzzword. It’s a powerful tool that blends the tax advantages of an IRA with the growth potential of digital assets. In this article, we’ll break down everything you need to know, from the basics to the benefits and how to get started.

What Is a Crypto IRA?

A Crypto IRA (or Bitcoin IRA) is a self-directed individual retirement account that allows you to invest in cryptocurrencies instead of traditional assets like stocks or bonds. These accounts are designed to help you save for retirement while benefiting from the long-term growth potential of digital currencies.

Key Features:

Self-directed: You choose what to invest in, beyond typical Wall Street offerings.

Tax benefits: Enjoy the same tax advantages as Traditional or Roth IRAs.

Diverse crypto options: Invest in Bitcoin, Ethereum, Litecoin, and more.

Custodial storage: Assets are held securely in compliance with IRS regulations.

How Do Crypto IRAs Work?

At the core, Crypto IRAs function similarly to other IRAs, but with added flexibility and new opportunities. Here’s how they work:

Choose Your IRA Type: Traditional (tax-deferred), Roth (tax-free¹ withdrawals), SEP, or SIMPLE IRA.
Open an Account with a Crypto IRA Provider: Platforms like BitcoinIRA specialize in managing crypto retirement accounts.
Fund Your Account: Via rollover, transfer, or direct contribution.
Select Your Cryptocurrencies: Choose from a variety of supported coins.
Secure Custody and Insurance²: Your digital assets are stored in highly secure, insured, and IRS-compliant wallets.

Unlike standard brokerages, Crypto IRA providers must navigate the complex terrain of digital asset custody, compliance, and tax reporting—which is why it’s critical to partner with a trusted platform.

Benefits of Investing in a Crypto IRA

Tax Advantages: Depending on your IRA type, you can enjoy either tax-deferred growth (Traditional IRA) or tax-free qualified withdrawals (Roth IRA). This is a game-changer for long-term crypto holders.
Diversification: Adding crypto to your retirement portfolio introduces an asset class with low correlation to traditional markets. This can help hedge against inflation and market volatility.
High Growth Potential: While cryptocurrencies are volatile, they have also demonstrated exponential growth over time. Early adopters have seen returns unmatched by most traditional assets.
Security and Regulation: Top Crypto IRA platforms offer secure cold storage, insurance policies, and full IRS compliance, giving you peace of mind as you invest in this emerging sector.

How to Get Started with a Crypto IRA

Starting your Crypto IRA is easier than you think. Here’s a simplified path:

Do Your Research – Understand the differences between Traditional and Roth IRAs, and how they align with your goals.
Choose a Reputable Platform – Look for established providers like BitcoinIRA³ that offer a wide crypto selection, strong security, and top-notch customer support.
Fund Your Account – Transfer or roll over funds from an existing retirement account (401(k), IRA, etc.).
Build Your Crypto Portfolio – Strategically allocate assets based on your risk tolerance.
Monitor and Rebalance – Keep an eye on your investments and adjust your holdings over time.

Why Choose BitcoinIRA?

When it comes to opening a Crypto IRA, BitcoinIRA is the industry leader for a reason. As the first and most trusted platform in this space, BitcoinIRA has helped thousands of investors diversify their retirement portfolios with crypto.

What Sets BitcoinIRA Apart:

Industry Pioneer: First-ever company to offer a full-service Crypto IRA.

24/7 Trading: Buy, sell, and swap crypto anytime, even outside traditional market hours.

Top Security: Digital assets are stored in cold storage with up to $250 million in insurance coverage.

Full-Service Support: Live customer support and dedicated IRA specialists are available to answer questions you might have.

Wide Asset Selection: Invest in Bitcoin, Ethereum, Solana, and over 75 other digital assets.

Real-Time Performance Dashboard: Track your investments and performance in real-time.

BitcoinIRA offers a seamless, secure, and tax-advantaged solution to help you grow your wealth long-term with crypto.

Ready to take control of your financial future?
Open a BitcoinIRA account today and start building a retirement portfolio that’s as forward-thinking as you are.

How to invest in Bitcoin with a Crypto IRA

Posted on May 20, 2025 | by BitcoinIRA

Key Sections

Investing in Bitcoin with a BitcoinIRA¹ account allows you to put a piece of the original cryptocurrency into your retirement portfolio with tax-saving benefits and 24/7 trading. By understanding more about Bitcoin, investors are better armed with the knowledge to make choices and trade within their Crypto IRAs.

What is Bitcoin?

Bitcoin (BTC) is widely regarded as the pioneering cryptocurrency, often referred to as the “grandfather” of all digital currencies. It was created in 2009 by the enigmatic figure known only as Satoshi Nakamoto—almost two decades after blockchain timestamping was first proposed as a research concept. As the first decentralized currency, Bitcoin revolutionized the financial landscape by eliminating the need for trusted third-party intermediaries, allowing transactions to occur directly between users.

One of the most famous stories in Bitcoin’s history involves a miner who, in 2010, spent 10,000 BTC to purchase two large pizzas—a transaction that, in hindsight, would be worth millions today. As of now, Bitcoin remains the most recognized, trusted, and widely used cryptocurrency in the world, solidifying its place as the foundational asset in the digital currency market.

Key Concepts of Bitcoin

Decentralization: When transacting with Bitcoin, the transaction is broadcast to the entire BTC network. The network participants, or nodes, validate the transaction, and if the majority of the network agrees, it is approved and recorded on the blockchain. What makes this system revolutionary is the removal of centralized intermediaries, such as banks or other institutions, in favor of collective validation. This decentralized approach significantly reduces the risk of manipulation or control by any single entity, ensuring a more secure and transparent transaction process. Most modern cryptocurrencies, including Bitcoin, are designed to operate in this way.
Scarcity: Bitcoin is unique in its limited supply—only 21 million BTC will ever be mined, making it a deflationary asset. Unlike fiat currencies, such as the US Dollar, which are often produced through debt and can be printed endlessly, Bitcoin’s scarcity is baked into its protocol. Fiat currencies are subject to inflation and devaluation, whereas Bitcoin’s fixed supply ensures its value is determined by supply and demand, not the manipulation of a central bank. This limited supply makes Bitcoin a potential hedge against inflation and a more resilient store of value, offering a safeguard against the collapse of traditional currency systems.
Immutable Ledger: Every Bitcoin transaction is recorded in a block on the blockchain, and once it is confirmed, it becomes a permanent entry that cannot be altered without changing the entire blockchain. This immutability ensures a high degree of transparency, making Bitcoin transactions resistant to fraud or manipulation. This feature is one of the key advantages of blockchain technology, offering a secure and verifiable record of all transactions, which is particularly valuable in combating financial crimes such as money laundering and fraud.
Minable: Bitcoin offers opportunities to earn through mining or transaction facilitation. Mining involves solving complex mathematical problems that secure the Bitcoin network, rewarding miners with newly minted Bitcoin. This process is expected to remain viable until around 2140 when the last Bitcoin is projected to be mined. Alternatively, users can earn Bitcoin by facilitating transactions and collecting associated transaction fees. Both methods provide avenues for individuals to support the network and profit from the growth of the Bitcoin ecosystem.

Bitcoin vs. Ethereum

While Ethereum (ETH) offers a unique set of capabilities, Bitcoin has maintained its position as the most widely recognized and valuable cryptocurrency. Both Bitcoin and Ethereum are blockchain-based, but they differ in fundamental ways. Ethereum’s blockchain supports smart contracts, which allow developers to build decentralized applications (dApps) and other services, driving the rise of decentralized finance (DeFi). Ethereum also utilizes a staking protocol, which generally consumes less energy than Bitcoin’s proof-of-work mining process.

However, Ethereum’s openness to the decentralized finance space exposes it to a higher degree of volatility and risk compared to Bitcoin’s more straightforward use case as a digital store of value. While both are trusted cryptocurrencies, Bitcoin’s simplicity and stability make it easier to track, making it a more reliable asset for investors who seek to minimize exposure to the unpredictable aspects of DeFi.

How to Buy Bitcoin with BitcoinIRA

Purchasing Bitcoin within a tax-advantaged account through BitcoinIRA is a straightforward process: 

Open an Account: Begin by opening a BitcoinIRA account. This will require you to provide personal information and complete the necessary documentation to establish your account. 
Fund Your Account: You can fund your account by transferring or rolling over funds from an existing IRA or 401(k) or by making a new contribution. Be sure to adhere to IRS guidelines to avoid any potential penalties. 
Choose Your Investments: Once your account is funded, you’re ready to start investing. You can choose Bitcoin, along with over 75 other cryptocurrency assets, to diversify your portfolio. 
Manage Your Portfolio:  Continuously monitor your investments and adjust your portfolio as needed to align with your financial goals and market conditions. Regular rebalancing can help optimize your investment strategy.

Bitcoin IRA and Taxes

Cryptocurrency investments, including Bitcoin, can be held in a self-directed IRA, such as a Roth or Traditional IRA. A self-directed Roth IRA allows you to contribute after-tax dollars and withdraw funds tax-free when you reach retirement age as long as certain requirements are met. In contrast, a Traditional IRA defers taxes until retirement, at which point taxes are due when funds are withdrawn. Both types of IRAs offer tax-deferred growth, but early withdrawals before retirement age may incur penalties and taxes.

Why Should I Invest in Bitcoin with BitcoinIRA?

Investing in Bitcoin Traditional and Roth self-directed IRAs while gaining exposure to the first and most widely recognized cryptocurrency:

With a Roth IRA, your contributions are made with after-tax dollars, meaning you won’t owe taxes on withdrawals during retirement, provided you meet the required conditions.

A Traditional IRA allows you to contribute pre-tax dollars, deferring taxes until you begin taking distributions in retirement. This can help reduce your taxable income during your working years and potentially lower your overall tax liability.

One significant benefit of holding Bitcoin in a Crypto IRA is the ability to avoid paying capital gains taxes on the asset’s appreciation. This is especially valuable given Bitcoin’s strong track record as a store of value and its continued growth potential. Any gains made within the IRA grow tax-deferred (in a Traditional IRA) or tax-free (in a Roth IRA), depending on the type of account. However, it’s important to remember that early withdrawals (before age 59½) may result in penalties and taxes, regardless of the investment type, which applies to all IRAs.

By incorporating Bitcoin into a Crypto IRA, investors can take advantage of both the growth potential of this pioneering digital asset and the tax benefits of retirement accounts, making it an attractive option for those looking to diversify their retirement portfolios with a reliable and high-performance cryptocurrency.

Ready to start investing in Bitcoin? Open your tax- advantaged BitcoinIRA account today and secure your financial future with the power of cryptocurrency. Take the first step now! 

What’s a good Retirement Score?

Posted on May 19, 2025 | by BitcoinIRA

Key Sections

While there’s no single “perfect” number, a good Retirement Score reflects how well you’re progressing toward your personal retirement dreams. It’s a powerful snapshot of your readiness giving you insights into whether you’re on track to meet your financial goals for retirement.

Calculate my Retirement Score

Everything you need to take your score to the next level. 

How a good Retirement Score can help you

A Retirement Score is a numeric reflection of how close you are to achieving your desired retirement lifestyle. Think of it as your retirement readiness dashboard. At BitcoinIRA.com, for example, it’s calculated using key inputs such as your age, retirement savings, income, spending goals, and expected rate of return. Here’s how a good score empowers you:

Clarity & Direction: It helps you visualize where you stand and what adjustments (if any) you need to make.

Personalized Planning: Scores are tied to realistic projections and help you model different scenarios, like retiring earlier or investing more aggressively.

Motivation: Seeing progress through an improved score can motivate smarter savings habits.

Risk Awareness: It highlights how inflation, low returns, or early retirement can affect your nest egg.

In short, a good score doesn’t just mean you’re financially healthy, it helps you stay that way through better-informed decisions.

What Retirement Score ranges indicate

Like a credit score, your retirement score ranges from 300-850 to help you instantly sense where you stand. Here’s what different ranges mean for your retirement future:

Score Range	Category	What It Means
800–850	Exceptional	You’re likely on track for a long, secure retirement with little to no adjustments needed
740–799	Very Good	Your plan is strong, though optimizing asset allocation or minor tweaks could help further
670–739	Good	You’ve built solid foundations but may face moderate shortfalls if circumstances change
580–669	Fair	You’re making progress but need to increase savings or delay retirement to improve your outlook
<579	Poor	You’re at high risk of running out of money early in retirement; major planning changes are necessary

Schedule a call with one of our retirement specialists to discover actionable strategies for boosting your Retirement Score, maximize your savings, and build a stronger financial future.

What Retirement Score fits your nest egg goals

The “right” Retirement Score for you depends on how long you expect to be retired, how much you plan to spend, and your comfort with financial risk. Here’s how to match your score to your goals:

For Early Retirees: If you plan to retire early (e.g., in your 50s), you’ll need a higher score, ideally 739+, because your nest egg needs to last longer. This requires more aggressive saving and investing early on.
For Moderate Spenders: If your planned annual retirement spending is average (adjusted for inflation), a score in the 670–739 range might be acceptable, assuming you remain flexible and avoid major unexpected expenses.
For Risk-Averse Individuals: Those who prefer conservative investments and minimal financial risk should aim for a score of 800+ to cushion against lower returns or higher-than-expected inflation.
For High-Net-Worth Individuals: If you already have significant savings and assets, your goal might be to preserve wealth rather than grow it aggressively. Even so, a high score helps you plan for legacy goals or charitable giving.

Your Retirement Score is the first step, now let’s take it further.

Whether you’re looking to boost your score, optimize your savings, or make sense of your retirement plan, our experts are here to help.

Schedule your FREE consultation with a BitcoinIRA¹ consultant today to explore your retirement account options, gain insight on how to improve your Retirement Score, and learn how to build the retirement you deserve.

FAQs

Can my Retirement Score change over time?

Yes! Your Retirement Score is dynamic. As your savings grow, investment returns fluctuate, expenses change, or you adjust your retirement age, your score will evolve. That’s why it’s important to regularly review and update your retirement plan.

How can I improve my Retirement Score?

There are several ways to boost your score:

Increase your monthly contributions to retirement accounts

Aim for higher investment returns (while managing risk carefully)

Reduce your planned retirement spending

Delay your retirement age to give savings more time to grow

Plan for realistic inflation assumptions

Even modest changes made consistently can significantly improve your score over time.

How often should I check my Retirement Score?

Ideally, review your score at least once or twice a year, or whenever you experience a major life or financial change, such as a new job, salary adjustment, marriage, or change in retirement goals.

Can I have a high Retirement Score with low savings?

Yes, if your retirement lifestyle is modest and your savings are aligned with your spending needs. A high score doesn’t require millions, it just requires the right balance between savings, expected income, and spending habits.

What happens if my Retirement Score is poor?

A poor score (below 579) means you’re likely to run out of money early in retirement. But it’s not too late, increasing contributions, delaying retirement, or reducing spending can make a significant difference.

Can inflation impact my Retirement Score?

Absolutely. Higher inflation increases your future cost of living, which can shrink your projected nest egg’s purchasing power. Good scoring models adjust your spending needs with inflation, so your score reflects true readiness.

Should I factor in my home or real estate when calculating my score?

Yes, if you plan to sell, downsize, or leverage your home equity in retirement, it can be considered an asset.

Can risky investments inflate my score?

Potentially, yes, assuming high return rates will make your projected savings look better. But be careful: overestimating returns or ignoring risk could lead to an unrealistic score. Use conservative, realistic assumptions for the best insights

Is the Retirement Score useful for younger investors?

Definitely. The earlier you assess your score, the more time you have to course-correct. For those in their 20s and 30s, a low score isn’t a crisis, it’s an opportunity to build habits that dramatically improve long-term outcomes.

Can I use my Retirement Score to work with a financial advisor?

Yes, and you should! Sharing your score and the data behind it can give your advisor a head start in understanding your needs, helping them create a customized plan for your goals, risk tolerance, and timeline.

How to invest in Render with a Crypto IRA

Posted on May 18, 2025 | by BitcoinIRA

Key Sections

Render is a groundbreaking cryptocurrency project revolutionizing decentralized GPU rendering. Unlike many digital assets, Render is specifically designed to connect artists and creators with unused GPU computing power, making it a unique investment opportunity within the crypto ecosystem. Launched by OTOY, a cloud graphics company, Render leverages blockchain technology to offer efficient, secure, and scalable rendering services for a variety of industries including gaming, film, and virtual reality.

What is Render Used For?

Render’s primary use case is providing decentralized GPU rendering services. Through its network, users can access high-performance GPU power for complex digital rendering tasks without the need for expensive local hardware.

Key Use Cases of Render

Decentralized Rendering: Facilitates cost-effective and scalable GPU rendering for digital content creation.

Content Creation & CGI: Used by artists, animators, and filmmakers for rendering 3D models, animations, and VFX.

Virtual and Augmented Reality: Powers immersive environments through high-quality graphic outputs.

Metaverse & Gaming: Supports rendering infrastructure for real-time environments and detailed asset production.

Render addresses a critical bottleneck in the digital content industry, access to rendering power, by democratizing and decentralizing GPU resources. Its token-based system ensures secure transactions between creators and node operators, making it a highly specialized asset in the crypto space.

How to Buy Render with BitcoinIRA¹

Purchasing Render within a tax-advantaged account through BitcoinIRA is a straightforward process:

1. Open an Account: Begin by opening a BitcoinIRA account. This will require you to provide personal information and complete the necessary documentation to establish your account.

2. Fund Your Account: You can fund your account by transferring or rolling over funds from an existing IRA or 401(k), or by making a new contribution. Be sure to adhere to IRS guidelines to avoid any potential penalties.

3. Choose Your Investments: Once your account is funded, you’re ready to start investing. You can choose Render, along with over 75 other cryptocurrency assets, to diversify your portfolio.

4. Manage Your Portfolio: Continuously monitor your investments and adjust your portfolio as needed to align with your financial goals and market conditions. Regular rebalancing can help optimize your investment strategy.

Why Should I Invest in Render with BitcoinIRA?

Investing in Render through a Crypto IRA, such as those offered by BitcoinIRA, allows you to enjoy the tax benefits of Traditional and Roth self-directed IRAs while gaining exposure to one of the most innovative applications of blockchain in digital media and graphics technology.

With a Roth IRA, your contributions are made with after-tax dollars, meaning you won’t owe taxes on withdrawals during retirement, provided you meet the necessary conditions.

Alternatively, a Traditional IRA enables you to contribute pre-tax dollars, deferring taxes until you begin taking distributions in retirement. This can help reduce your taxable income during your working years, offering significant financial advantages.

Ready to Start Investing in Render?

Open your tax-advantaged BitcoinIRA account today and secure your financial future with the power of cryptocurrency. Take the first step now!

How to invest in Ondo with a Crypto IRA

Posted on May 15, 2025 | by BitcoinIRA

Key Sections

What is Ondo?

Ondo Finance is a decentralized platform offering institutional-grade on-chain products and services. It focuses on creating and managing tokenized financial instruments, bridging the gap between traditional finance and decentralized finance (DeFi). Ondo aims to democratize access to sophisticated financial products, offering opportunities for both institutional and retail investors. Their offerings often include fixed-income products and other structured financial instruments. It is important to research the specific Ondo products available as they can vary.  

Founded in 2021 by former Goldman Sachs employees Nathan Allman and Pinku Surana, Ondo Finance has rapidly gained recognition for its innovative approach to decentralized finance. Its native token, ONDO, serves as the governance token within the Ondo decentralized autonomous organization (DAO), granting holders specific rights related to Flux Finance, which is governed by the Ondo DAO.

ONDO holders play a pivotal role in shaping the future of the Ondo DAO, influencing decisions that aim to democratize access to institutional-grade finance. The Ondo DAO provides ONDO holders with specific governance rights, particularly concerning Flux Finance, ensuring that the mission of democratizing finance remains at the forefront.

Why Buy Ondo?

With the increasing institutional adoption of DeFi, Ondo’s focus on tokenized financial instruments positions it for potential growth. Investors are drawn to Ondo’s offerings due to its aim to provide more structured and regulated access to decentralized finance. Ondo’s products can offer diversification and potential returns within a crypto portfolio.

How to Buy Ondo with BitcoinIRA

Purchasing Ondo within a tax-advantaged account through BitcoinIRA is a straightforward process:

Open an Account: Begin by opening a BitcoinIRA account. This will require you to provide personal information and complete the necessary documentation to establish your account.
Fund Your Account: You can fund your account by transferring or rolling over funds from an existing IRA or 401(k) or by making a new contribution. Be sure to adhere to IRS guidelines to avoid any potential penalties.
Choose Your Investments: Once your account is funded, you’re ready to start investing. You can choose Ondo, along with other cryptocurrency assets, to diversify your portfolio.
Manage Your Portfolio: Continuously monitor your investments and adjust your portfolio as needed to align with your financial goals and market conditions. Regular rebalancing can help optimize your investment strategy.

Ondo vs. Other DeFi Platforms

While other DeFi platforms may focus on decentralized exchanges or lending protocols, Ondo differentiates itself by concentrating on tokenized financial instruments. This specialization can offer access to products not typically found on other DeFi platforms, potentially appealing to investors seeking specific types of exposure within the crypto market. A comparison of Ondo to other platforms should focus on the specific types of financial products they offer and their target audience.  

Ondo and Taxes: Why Buy Ondo in a Crypto IRA?

One of the biggest advantages of buying Ondo through a Crypto IRA is the potential for tax savings. By investing in Ondo through a Crypto IRA, investors can avoid paying capital gains taxes when they sell their assets. This tax-advantaged approach can make a significant difference in long-term returns.  

Cryptocurrency investments like Ondo, have demonstrated potential for high returns, and the ability to save on taxes can further amplify the benefits of holding ONDO in a tax-advantaged account.

Why Should I Invest in Ondo with BitcoinIRA?

Investing in Ondo through a Crypto IRA, such as those offered by BitcoinIRA, allows you to enjoy the tax advantages associated with traditional and Roth self-directed IRAs while gaining exposure to the innovative world of tokenized finance. With a Roth IRA, your contributions are made with after-tax dollars, meaning you won’t owe taxes on withdrawals during retirement, provided you meet the required conditions.  

Alternatively, a traditional IRA allows you to contribute pre-tax dollars, deferring taxes until you begin taking distributions in retirement, which can help reduce your taxable income during your working years.  

One significant benefit of holding Ondo in a Crypto IRA is the ability to avoid paying capital gains taxes on the asset’s appreciation. This is particularly valuable given Ondo’s potential for growth within the evolving DeFi landscape. Any gains made within the IRA grow tax-deferred (in a traditional IRA) or tax-free (in a Roth IRA), depending on the type of account. However, it’s essential to keep in mind that early withdrawals (before age 59½) may result in penalties and taxes, regardless of the IRA type, which applies to all IRAs.  

By incorporating Ondo into a Crypto IRA, investors can take advantage of both the growth potential of this innovative platform and the tax benefits of retirement accounts, making it an attractive option for those looking to diversify their retirement portfolios with exposure to the burgeoning tokenized finance sector.

Ready to start investing in Ondo? Open your tax-advantaged BitcoinIRA account today and secure your financial future with the power of cryptocurrency. Take the first step now!

Is Fidelity Crypto IRA Available in Oregon? Here’s What You Need to Know

Posted on May 15, 2025 | by BitcoinIRA

Key Sections

The world of retirement investing is evolving fast, and the rise of cryptocurrency as a potential asset class has drawn major attention. Fidelity, one of the most established names in financial services, recently introduced its Fidelity Crypto IRA, giving individuals the ability to invest in cryptocurrencies like Bitcoin, Ethereum, and Solana within a tax-advantaged retirement account. This move has excited many people looking to diversify their long-term portfolios with digital assets.

However, if you live in Oregon, this option isn’t available yet. Fidelity Crypto IRA services are currently not offered in Oregon or California. While Oregon residents do have access to Fidelity’s standard crypto trading platform, the IRA version of the service remains off-limits for now.

A Snapshot at Oregon’s Retirement Landscape

Oregon’s population is aging faster than the national average. In 2022, the state was home to an estimated 806,907 adults aged 65 and older, nearly 2% above the national average of 16.8%. That number is expected to surge to 1.28 million by 2050, a 59% increase that will add nearly 473,771 older adults to the population. This sharp demographic shift highlights the growing urgency for accessible, diversified, and future-ready retirement savings solutions tailored to Oregon’s needs.

Despite this, many Oregonians still lack adequate retirement preparedness. Over 1 million workers in the state had no access to a workplace retirement plan. That’s part of what spurred the launch of Oregon Saves, a state-sponsored Roth IRA program designed to close the retirement savings gap.

According to Nasdaq, a realistic retirement age in Oregon is 62, with an estimated nest egg requirement of $1,393,844 to retire comfortably. These figures offer a snapshot of the financial demands facing Oregon retirees. At the same time, they underscore the need for flexible, growth-oriented investment strategies, including emerging options like Crypto IRAs, that can help bridge the gap between traditional retirement savings and rising cost-of-living expectations.

BitcoinIRA¹: A Crypto IRA Option Available in Oregon

While Fidelity’s Crypto IRA isn’t accessible in Oregon, residents still have options. One standout is BitcoinIRA, a platform that operates in all 50 states. BitcoinIRA offers self-directed IRAs that allow users to invest in a wide array of cryptocurrencies.

Through BitcoinIRA, Oregonians can tap into the potential of digital assets while maintaining the tax advantages of an IRA. The platform supports multiple account types, including Traditional, Roth, and SEP IRAs, giving investors flexibility depending on their financial goals and tax planning needs.

Key Features of BitcoinIRA:

Availability Across All 50 States: Unlike Fidelity Crypto IRA, BitcoinIRA is accessible to residents in every state, including Oregon.

Wide Range of Cryptocurrencies: BitcoinIRA offers a broader selection of cryptocurrencies beyond Bitcoin, Ethereum, and XRP, including over 75 different digital assets.

Tax-Advantaged Growth: Similar to regular IRAs, investments within a BitcoinIRA can grow tax-deferred (Traditional and SEP) or tax-free (Roth), depending on the account type.

Secure Custody²: BitcoinIRA partners with regulated custodians to ensure the security of your digital assets. They often provide insurance on custodied assets, offering an added layer of protection.

24/7 Trading: Many platforms, including BitcoinIRA, allow users to buy and sell cryptocurrencies within their IRA around the clock.

Dedicated Support: BitcoinIRA typically offers dedicated support to guide users through the process of setting up and managing their Crypto IRA.

Fidelity Crypto IRA vs. BitcoinIRA

Feature	Fidelity Crypto IRA	BitcoinIRA
Availability	Not available in California and Oregon	Available in all 50 U.S. states
IRA Types Supported	Traditional, Roth, Rollover	Traditional, Roth, SEP, SIMPLE IRAs as well Solo 401(k)s
Insurance Coverage	No insurance; not protected by FDIC, SIPC, or private insurance	Insurance coverage up to $250 million through BitGo (custodian)
Staking	Not available	Coming in 2025
Cryptocurrencies Supported	Bitcoin, Ethereum, Litecoin	75+ cryptocurrencies including Bitcoin, Ethereum, Cardano, Solana, XRP, and more
Wallet Type	Primarily hot wallets (some cold storage via Fidelity Digital Assets®)	Assets stored in cold storage
Trading Hours	23 hours/day (1 a.m. – midnight ET), unavailable during maintenance	24/7 trading available
Security	Custody by Fidelity Digital Assets® with multiple layers of control, cold storage for most assets	No coins are stored on the platform. Coins and investments are segregated within their own ecosystem.
Fees	Generally low fees, but no detailed public breakdown	Fees apply for account setup, maintenance, and trading.

Considering a Crypto IRA?

Investing in cryptocurrencies within a retirement account can be a way to diversify your portfolio and potentially capitalize on the growth potential of digital assets. However, it’s crucial to understand the inherent risks associated with cryptocurrency investments, including price volatility.

Ready to explore the possibility of including cryptocurrencies in your retirement savings? Click here to learn more and open an account with BitcoinIRA today!

Tax-Deferred vs Tax-Exempt IRAs to Invest in Crypto

Posted on May 15, 2025 | by BitcoinIRA

Key Sections

From Bitcoin to Ethereum, digital assets are now a legitimate part of modern investment portfolios. But as investors increasingly look to diversify their retirement savings with crypto, a common question arises: Should I use a tax-deferred or a tax-exempt IRA for my crypto investments?

This decision can significantly impact your long-term wealth strategy. In this post, we’ll break down the differences between these two types of IRAs, how each works with crypto, and which may be the right fit for your financial goals.

What Is a Tax-Deferred IRA?

A tax-deferred IRA, such as a Traditional IRA, allows your crypto investments to grow without being taxed until you withdraw the funds in retirement. Contributions are often tax-deductible, meaning you reduce your taxable income today in exchange for paying taxes when you take distributions later.

Key Benefits of Tax-Deferred IRAs for Crypto

Lower taxes now: Contributions may reduce your taxable income.

Compound growth advantage: Gains from your crypto investments accumulate tax-free until withdrawal.

Potential lower tax bracket in retirement: You might pay less tax on distributions if you’re in a lower bracket post-retirement.

Considerations:

You’ll pay ordinary income tax on withdrawals, not capital gains tax.

Required Minimum Distributions (RMDs) start at age 73, which means you must begin withdrawing (and paying taxes) whether you need the funds or not.

Early withdrawals before age 59½ may be subject to a 10% penalty plus income tax.

What Is a Tax-Exempt IRA?

A tax-exempt IRA, most commonly known as a Roth IRA, flips the equation. You contribute after-tax dollars today, but your crypto investments grow tax-free, and withdrawals in retirement are also tax-free, provided certain conditions are met.

Key Benefits of Tax-Exempt IRAs for Crypto

Tax-free growth and withdrawals: All crypto gains are yours to keep in retirement.

No RMDs: Unlike Traditional IRAs, Roth IRAs don’t require you to withdraw at a certain age.

Ideal for long-term appreciation: If you believe crypto will significantly increase in value, this structure helps maximize gains.

Considerations:

Contributions aren’t tax-deductible.

Income limits apply: High earners may not be eligible to contribute directly to a Roth IRA (though strategies like the “Backdoor Roth IRA” can help).

You must hold the account for at least 5 years and be over 59½ to qualify for tax-free² withdrawals.

Which IRA Is Better for Crypto Investors?

The right choice between tax-deferred and tax-exempt depends on your current vs. future tax outlook, investment time horizon, and belief in the long-term growth potential of crypto.

Choose a Tax-Deferred IRA (Traditional) if:

You need a tax break today.

You expect to be in a lower tax bracket in retirement.

You prefer to defer taxes and deal with them later.

Choose a Tax-Exempt IRA (Roth) if:

You expect your crypto holdings to appreciate substantially over time.

You anticipate being in the same or higher tax bracket in retirement.

You value flexibility and tax-free withdrawals down the line.

Make Crypto Work Smarter for Your Retirement

Both Traditional (tax-deferred) and Roth (tax-exempt) IRAs offer powerful benefits when paired with crypto. The key is to align your IRA structure with your personal tax situation and long-term crypto outlook.

By making strategic use of these retirement vehicles, you can potentially maximize your crypto gains while minimizing your lifetime tax liability.

Ready to take the next step? Open a BitcoinIRA¹ account today and explore tax-advantaged crypto investing with a trusted platform.

Bitcoin vs. Gold: The 100-Day Lead That Could Catapult BTC to New Highs

Posted on May 13, 2025 | by BitcoinIRA

Key Sections

Bitcoin and gold are often seen as competing stores of value, one rooted in thousands of years of tradition, the other in digital innovation. But what if they weren’t rivals at all? What if, instead, they were part of a cause-and-effect relationship, one that savvy investors could leverage? Some analysts suggest that gold’s macro-driven rallies often lead bitcoin’s surges by about 90 to 180 days. With gold having made a strong move, could Bitcoin be coiling for its next big breakout?

Let’s break down the data, the ETF shift, and what it all means for investors.

Gold Leads, Bitcoin Follows: A 100-Day Rule?

A growing body of analysis, including standout work by Jack Green and Joe Consorti, reveals a striking trend: Bitcoin tends to follow gold’s macro-driven strength with a lag of 3 to 6 months. When gold rallies, often amid falling yields, rising liquidity, and a weakening dollar (DXY), Bitcoin typically surges shortly after, albeit with more volatility and magnitude.

Recent market movements mirror this historical behavior. Gold has enjoyed a significant rally since early 2024, outperforming Bitcoin by a wide margin. As of May 12, 2025:

Gold YTD: +20%

Bitcoin YTD: +10%

But zooming out reveals the power of bitcoin’s delayed response. Over 5 years, gold has nearly doubled, which is impressive, until you compare it to BTC’s gain over 1,000%.

ETF Flows Tell a Story of Sentiment Shift

One of the clearest signs of this rotation is in ETF flows.

According to new research from Standard Chartered Bank, investors are pulling capital from gold ETFs and reallocating to Bitcoin ETFs, a trend not seen at this scale since the 2024 U.S. presidential election. Geoffrey Kendrick of Standard Chartered notes that this shift in capital allocation is a strong signal of Bitcoin’s growing credibility as a macro hedge.

Bitcoin ETF flows have surged ahead of gold ETF flows, with divergence widening sharply in early 2025. This aligns with Kendrick’s call for BTC to reach $120K by summer and possibly $200K by year-end.

Investor sentiment is tilting. Gold’s role as a hedge is being challenged by a faster, more liquid, and globally accessible alternative.

Bitcoin Surpassed $100K: Calm Before the Storm?

Despite a quiet period in trading activity, Bitcoin is showing signs of strength, with a current price over $100K and a market cap of $2.04T (as of May 12, 2025).

This “calm” comes as Bitcoin continues to consolidate near its highs. But if the 100-day lag from gold’s breakout holds true, the digital asset could be gearing up for another explosive move. Bitcoin often behaves like a coiled spring, especially after periods when gold has led and BTC has lagged.

Why Bitcoin Could Outperform in 2025

Several macro tailwinds support the Bitcoin thesis:

Global liquidity is rising, favoring Bitcoin’s risk-on profile.

DXY is weakening, typically bullish for both BTC and gold.

Yields are falling, reducing opportunity cost for non-yielding assets like Bitcoin.

ETFs have unlocked institutional flows, accelerating adoption.

Moreover, Bitcoin has one advantage gold doesn’t: a smaller market cap and a much larger untapped investor base. This gives BTC asymmetric upside as new capital enters the space.

In short, if gold’s rally is real, Bitcoin’s turn is next, and historically, its moves are larger and faster.

Bitcoin’s Time to Shine?

The writing’s on the wall. Gold has had its run, and Bitcoin is now poised to play catch-up, potentially with explosive consequences. With ETF inflows accelerating, macro conditions aligning, and a well-documented 100-day lead from gold, the digital gold narrative is once again in focus.

For long-term investors, this isn’t a time to chase momentum, it’s a time to understand the macro dynamics and position accordingly. If you’re ready to hedge like the institutions, not just with gold, but with the digital future. Open your BitcoinIRA¹ account today.

How to invest in Solana with a Crypto IRA

Posted on May 12, 2025 | by BitcoinIRA

Key Sections

What is Solana?

Solana, known as the “fastest blockchain in the world,” continues to solidify its position as one of the top contenders in the crypto space in 2024. With transaction speeds reaching 65,000 TPS (transactions per second) and extremely low fees, Solana outpaces Ethereum and Bitcoin when it comes to performance. Solana’s unique combination of Proof of History (PoH) and Proof of Stake (PoS) consensus mechanisms ensures it maintains high throughput while remaining secure and decentralized.

Founded in 2017 by Anatoly Yakovenko, Solana has grown significantly, boasting a market cap of over $40 billion in 2024. Its native token, SOL, remains a top choice among investors looking to diversify into high-performance blockchain networks, making it a smart addition to any crypto retirement portfolio.

Why Buy Solana?

With Solana’s ecosystem rapidly expanding, it’s no surprise that more and more people are asking, “Is Solana a good investment?”, Solana remains one of the most promising crypto assets, thanks to its lightning-fast transaction speeds, low fees, and a burgeoning decentralized finance (DeFi) and NFT ecosystem. Its native token, SOL, is now a top-10 cryptocurrency by market cap, making it a solid option for long-term investors looking to buy Solana for their portfolios.

How to Buy Solana with BitcoinIRA¹

Purchasing Solana within a tax-advantaged account through BitcoinIRA is a straightforward process:

Open an Account: Begin by opening a BitcoinIRA account. This will require you to provide personal information and complete the necessary documentation to establish your account.
Fund Your Account: You can fund your account by transferring or rolling over funds from an existing IRA or 401(k) or by making a new contribution. Be sure to adhere to IRS guidelines to avoid any potential penalties.
Choose Your Investments: Once your account is funded, you’re ready to start investing. You can choose Solana, along with over 75 other cryptocurrency assets, to diversify your portfolio.
Manage Your Portfolio: Continuously monitor your investments and adjust your portfolio as needed to align with your financial goals and market conditions. Regular rebalancing can help optimize your investment strategy.

Solana Vs Ethereum

While Ethereum remains the largest smart contract platform, Solana continues to chip away at Ethereum’s market share in 2024. With Ethereum’s high gas fees still an issue, Solana’s minimal transaction fees (averaging less than $0.01) and faster block confirmation times (400 milliseconds) make it an attractive option for both developers and investors. Solana has increasingly become the platform of choice for developers creating scalable dApps, DeFi protocols, and NFTs.

In 2024, Solana continues to outpace Ethereum with superior TPS rates, but both platforms coexist within the growing crypto ecosystem. Many investors are hedging their bets by investing in both Solana and Ethereum.

Solana and Taxes: Why Buy Solana in a Crypto IRA?

One of the biggest advantages of buying Solana in 2024 through a Crypto IRA is the potential for tax savings. By investing in Solana through a Roth IRA, investors can avoid paying capital gains taxes when they sell their assets. This tax-advantaged approach can make a significant difference in long-term returns.

Cryptocurrency investments like Solana, have demonstrated potential for high returns, and the ability to save on taxes can further amplify the benefits of holding SOL in a tax-advantaged account.

Is Solana a Good Investment?

Solana’s rapid adoption, technical innovation, and expanding use cases continue to make it a popular investment. Its DeFi and NFT ecosystems have matured, and with institutional interest growing, Solana is well-positioned to maintain its status as a top blockchain network.

With over 200,000 users already investing in Solana and other digital assets through BitcoinIRA, now may be an excellent time to buy Solana and diversify your portfolio with one of the fastest-growing cryptocurrencies. Plus, with up to $250 million in custody insurance² provided by BitGo, you can invest with confidence.

Why Should I Invest in Solana with BitcoinIRA?

Investing in Solana (SOL) through a Crypto IRA, such as those offered by BitcoinIRA, allows you to enjoy the tax advantages associated with traditional and Roth self-directed IRAs while gaining exposure to one of the most innovative blockchain platforms. With a Roth IRA, your contributions are made with after-tax dollars, meaning you won’t owe taxes on withdrawals during retirement, provided you meet the required conditions.

One significant benefit of holding Solana in a Crypto IRA is the ability to avoid paying capital gains taxes on the asset’s appreciation. This is particularly valuable given Solana’s potential for growth, driven by its fast transaction speeds, low fees, and expanding decentralized finance (DeFi) and NFT ecosystems. Any gains made within the IRA grow tax-deferred (in a traditional IRA) or tax-free (in a Roth IRA), depending on the type of account. However, it’s essential to keep in mind that early withdrawals (before age 59½) may result in penalties and taxes, regardless of the investment type, which applies to all IRAs.

By incorporating Solana into a Crypto IRA, investors can take advantage of both the growth potential of this innovative blockchain platform and the tax benefits of retirement accounts, making it an attractive option for those looking to diversify their retirement portfolios with high-performance digital assets.

Ready to start investing in Solana? Open your tax-advantaged BitcoinIRA account today and secure your financial future with the power of cryptocurrency. Take the first step now!