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Get more out of your IRA.

With a self-directed IRA from Alto®, you can invest your retirement dollars in alternative assets.
Things like... crypto. startups. shares in artwork. crypto funds. private equity. real estate.
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No commissions, no paperwork.

Whether you’re a seasoned investor or new to the scene, investing with Alto is (almost too) easy.

Create your account

1 Get started with an Alto IRA or CryptoIRA to trade on Coinbase.

Select your IRA type

2 Every IRA has a tax advantage. Choose from traditional, Roth, or SEP.

Fund your account

3 Transfer funds from an existing retirement account, or cash from a bank account.

Start investing

4 Not a VC? Not a problem. Get access to our network of 75+ partners or invest in crypto.

Get Started

Put your "future funds" to work.

We like to think of your future funds as retirement dollars that don’t just sit there, but instead work for you. Reinvest the money you’d otherwise pay taxes on with an IRA that gives you more options for growth. Because it’s good to have options.
Alto CryptoIRA Wallet®

Alto CryptoIRA®

This isn’t your typical retirement account. Use your IRA to buy, sell, and trade Bitcoin, Ethereum, and more on Coinbase.
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Alto Assets

Alto IRA

Invest in a wide range of alternative assets—from shares in artwork and real estate to growth companies and startups.
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Simple, transparent pricing. Always.

We’re not into “fee menus”—you know the kind, where the list goes on and on. See what we charge all on one page, no surprises.
See pricing

Alto CryptoIRA

No monthly fees
Get started

Alto IRA

Starting at $10/mo
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Word on the street.

FAQs

The Alternative IRA® from Alto is an individual retirement account that gives investors the freedom to invest in alternative assets like startups, private companies, real estate, loans, and cryptocurrencies using the Alto platform. You can invest in your own alternative asset opportunity, or find one using Alto’s investment partners.

We’ve built an easy-to-use and enjoyable user experience. Our pricing is simple: we have no hidden fees. We’ve moved the entire process online and include the counterparty in the transaction process—saving you the burden of massive amounts of paperwork.

Yes! The AltoIRA puts the investor in the driver’s seat of their retirement account, allowing them to select the investments they want while maintaining the same tax-advantages as other IRA accounts.

There is no legal distinction between a traditional IRA and a self-directed IRA. While traditional, Roth, SEP, and other IRAs can all be “self-directed” (meaning you choose what to invest in), most brokerages and custodians don’t allow investments in unregistered securities, frequently referred to as “alternative assets.” With The Alternative IRA®, Alto investors have the control and flexibility to invest their IRA in assets uniquely suited to long-term investing—like startups, real estate, and more.

See all FAQs

Think like an investor.

Get access to alternative investment opportunities through some of the world’s most recognized platforms and fund partners. See something unique you want to invest in? Bring your own deal (BYOD) to the table, and we’ll help make it happen.

AngelList
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EquityZen
Republic company
Meet our partners

Your retirement is now in your control.

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Made in Nashville, TN

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1Capital gains accrue on a tax deferred or tax-free basis dependent upon your IRA account type. Alto does not provide tax advice. Consult a tax advisor or certified financial professional with any questions.

1Traditional IRA and SEP taxes are deferred; Roth IRAs are tax-free.

Alto Solutions, Inc. d/b/a AltoIRA (Alto) is an administrator of self-directed individual retirement accounts and is not a registered or licensed broker, dealer, broker-dealer, funding portal, cryptocurrency exchange, investment advisor or investment manager. Read more… Alto does not provide investment advice or recommendations about any specific security offering, investment or asset. Investing in start-ups, cryptocurrency, securitized art and other alternative investments involves significant risks. Alto services are intended only for investors who fully understand and are willing to accept the risks associated with alternative investments and the management of self-directed IRAs. Alto does not control or monitor the operation or conduct of third party investment platforms, funds, cryptocurrency exchanges or issuers, or their offerings. Information provided by AltoIRA does not constitute an offer, nor the solicitation of an offer to buy or subscribe to, any securities to any person in any jurisdiction.  Whenever making an investment decision, investors should consult with their tax attorney or financial professional. Investors are responsible for conducting their own due diligence regarding investments, for using their Alto accounts in compliance with law, and for all tax and other risks and obligations arising from account transactions. Alto®, The Alternative IRA®, the Alto logo and Alto CryptoIRA® are trademarks of AltoIRA.  All other trademarks are the properties of their respective owners. See additional information on file here.