Alto IRA
Real estate, startups, funds, art and more… all in your IRA.
Why Invest in Alternative Assets with an Alto IRA?
Diversify Your Portfolio
the Way the Pros Do
It’s no secret ultra-wealthy and institutional investors look to alternative investments to help protect their portfolios from market volatility and boost returns. With Alto, everyone can invest in assets with low to no correlations to public markets.
Invest in the
Next Big Thing
Amazon, Facebook, and PayPal were all private companies that delivered BIG returns for early investors. Now, you can invest in companies with the potential for explosive growth—and you don’t need to be wealthy or have special connections.
Say Goodbye to the
Old Way of Investing
Self-directed IRAs have been around for decades. You just had to be okay with mountains of paperwork, and have a LOT of time and money. Alto streamlined the process by partnering with investment platforms to make alternatives accessible for all.
Invest in Assets That Interest You.
We’ve partnered with some of the most recognized names in alternative investing, so you can invest in assets you’re actually interested in—like contemporary art, real estate, or socially conscious startups.
- Art
- Crypto Funds
- Farmland
- Infrastructure
- Private Credit
- Private Equity
- Real Estate
- Securitized Collectibles
- Startups
- Venture Capital
Alto IRA Fees
Portfolio diversification shouldn’t be a tool only the uber-rich can afford. So we created a new, streamlined fee structure that enables everyone to invest in alternatives. The tables below provides a breakdown of our Starter and Pro Plans.
With our Starter Plan, invest with our wide variety of alternative investment partners, you get to decide how and where to invest your retirement dollars.
| Starter Plan | |
|---|---|
| Account Fee | $10/month or $100/year (get two months free) |
| Custody Fee | $0 |
| Partner Investment Fee* | $10 |
| Inbound Funding/Rollover Fee | $0 |
| Account Closure Fee | $50 |
| Outbound Wire Fee | $25 |
| Hidden Charges | None |
*Partner investment fee covers the expense incurred each time we execute an initial investment on your behalf through one of our Alternative Investment Partners.
Want to invite a new issuer to the Alto platform? With Pro, you can invest in opportunities outside of our existing investment partners, and you’ll get access to everything available in our Starter Plan too.
| Pro Plan | |
|---|---|
| Account Fee | $25/month or $250/year (get two months free) |
| Custody Fee | $0 |
| Partner Investment Fee* | $10 |
| Private Investment Fee** | $75 |
| Inbound Funding/Rollover Fee | $0 |
| Account Closure Fee | $50 |
| Outbound Wire Fee | $25 |
| Hidden Charges | None |
*Partner investment fee covers the expense incurred each time we execute an initial investment on your behalf through one of our Alternative Investment Partners.
**Private investment fees cover the expense incurred each time we execute an initial investment on your behalf with an issuer not listed on our Alternative Investment Partners page.
Frequently Asked Questions
What are alternative investments?
Alternatives are assets outside the traditional markets (stocks, bonds, mutual funds, etc.). Alternative investments include shares of art, crypto, farmland, private equity, real estate, securitized collectibles, and venture capital, among others.
Why invest in alternative assets with an IRA?
An IRA could be the best way to invest in alternative assets due to their potential for outsized returns.
No matter how much your investment grows, with an IRA, you’ll never pay taxes on gains. You may even be able to avoid taxes altogether. With traditional and SEP IRAs, contributions are tax-deductible and you pay no taxes until you take a distribution. With a Roth IRA, you pay no taxes at all. (Upon eligibility to take distributions.)
Not only that, an IRA gives you access to capital that is otherwise locked in other retirement accounts. This makes an IRA the perfect vehicle for investing in assets with longer time horizons.
Do I need to be an accredited investor to sign up?
Alto supports non-accredited investors as well as accredited investors. Anyone can create an Alto IRA account, though some offerings are open only to accredited investors. This determination is entirely up to the company or investment platform issuing the offering.
Can Alto give me investment advice?
No. Alto is an administrator only and does not act as a financial advisor or provide any investment advice.
What is the difference between Starter and Pro Plan?
With a Starter Plan, you can invest with our wide variety of alternative investment partners. The Pro Plan allows you to invest with issuers you want to invite to the Alto platform, plus everything available in our Starter Plan too.
Take Control of Your Portfolio.
Use your IRA to invest in startups, real estate, and more.
Open an Alto IRA