

Invest better.
For a better future.
Diversify your portfolio and take advantage of the tax advantage.
Alto IRA
Invest in venture capital, art and real estate funds, startups, private equity, and other alternatives with the potential for outsized returns.
Alto CryptoIRA®
Buy and sell up to 200+ cryptocurrencies tax-free or tax-deferred1 with no monthly fees or steep minimums.
Why Invest in Alternative Assets?
Portfolio diversification is key to lower volatility and higher returns over time. Diversification may involve investment in alternative assets like private equity and real estate, where industry returns are largely uncorrelated to the public markets. Professional and high-net-worth individuals have been investing heavily in alternatives for years. Alto’s mission is to make alternative investments available to all.

More Opportunities. Fewer Taxes.
Alternative investments like venture capital and crypto can result in big returns, which can also mean a hefty tax bill—but not with Alto. Your Alto account provides the same tax advantages as any of your IRA accounts:
- Contribute after-tax funds to a Roth IRA and never pay taxes on qualified distributions or gains.
- Make tax-deductible contributions to a traditional or SEP IRA and defer taxes until retirement.

Invest in What Interests You.
Use your IRA to invest in asset classes not available in your 401(k)—assets with the potential to boost returns and reduce exposure to market volatility.
- Real Estate
- Startups
- Crypto
- Art
- And more!

Take Control of Your Financial Future.
Investing in a broad range of public stocks or mutual funds is a good core strategy, but that alone doesn’t offer the diversification and ownership that alternative investments can. With a self-directed Alto IRA or CryptoIRA, whether on your own or with an advisor, you get to choose the investments best-suited to your long-term goals.
We Invest in Security So You Can Invest with Confidence.
Cash is maintained in FDIC-insured accounts.
Crypto held by Coinbase is kept
1:1 in institutional-grade hot and cold storage.
Alto enables and encourages two-factor authentication (2FA).

Getting Started with Alto Is Easy.
- Sign up to create your Alto IRA or CryptoIRA.
- Select whether you want to invest using a traditional, Roth, or SEP IRA.
- Fund your account with a cash contribution or by rolling over funds from an IRA, 401(k), 403(b), or other retirement account.
- Start investing!
Find Out Why People Love Investing with Alto…

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Frequently Asked Questions
What is a self-directed IRA?
Self-directed IRAs offer the same tax advantages as conventional IRAs. The difference is self-directed IRAs let you invest in a variety of alternative assets historically off-limits for everyday investors—including art, crypto, farmland, startups, and real estate.
How do I open an Alto IRA or CryptoIRA?
Opening an account with Alto is easy. Simply click Sign Up at the top of the page, select either an Alto IRA or CryptoIRA, complete the legally required Know Your Customer (KYC) process, and choose the type of IRA you want to invest with.
What types of IRAs does Alto offer?
You can open a traditional, SEP, or Roth Alto IRA or CryptoIRA.
How can I fund my Alto account?
You can fund your account with cash contributions or via a rollover. Alto makes it easy to roll over funds from an IRA, 401(k), 403(b), 457, or TSP account, and we don’t charge fees to transfer money into your account.
Still Have Questions? We’re Here to Help.
Shoot us a message, give us a call, check out our frequently asked questions, or peruse our wealth of support articles.

Invest in Your Retirement.
Diversify your portfolio with an Alto IRA or CryptoIRA.
Create Your Account