Investing in alternatives with an Alto IRA aligns long-term investment horizons with saving for retirement, an overlap in investment strategy we refer to as duration matching. Since retirement funds are tax-advantaged,1 using them can be a way to keep as much of your investment earnings as possible.
1 Traditional IRA funds are generally tax-deferred, Roth IRA funds are generally tax-free subject to qualified withdrawals. IRS rules and regulations apply.
Example is for illustration purposes only and does not represent a specific past, current or future investment.
*Assumes an income tax rate of 12% at the time of withdrawal as income tax rates generally decrease upon retirement.
**Assumes a long term capital gains rate of 20%
Actual tax rates are subject to each tax payer’s personal situation and circumstances.
Complete this intake form to receive the relevant partnership discount on account fees (estimated 1 minute)
You’ll be automatically directed to create your Alto account (estimated 3 minutes)
Fund your IRA (estimated 5 minutes)
Receive and approve an invite to participate in ACA's investment offerings (estimated 2 minutes)
ACA's team approves your investment on Alto
Alto executes subscription documents on behalf of your IRA and funds your investment within one business day*
*IRA must be funded to cover the investment. Further, based on Federal Treasury regulations, there is a seven day waiting period for a newly established IRA prior to investment.
Get startedOur belief in simplifying access to alternative investments with retirement funds extends to our pricing. Alto IRA accounts are charged a simple quarterly Account Fee based on Total Invested Capital with 50% off of Account Fees for the first year for ACA Investors.
$0.00
$18.75 per quarter for your first year
$37.50 thereafter
$50 per quarter for your first year
$100 thereafter
*Initial Quarterly Payment. Customer shall timely pay the first quarterly subscription fee for the Service (the “Initial Quarterly Payment”). The promotional discount described below does not apply to the Initial Quarterly Payment.Discount Period. Provided the Initial Quarterly Payment is received in full and the account remains in good standing, beginning with the first invoice issued after the Initial Quarterly Payment, Alto will apply a 50% discount to the applicable subscription fees for 24 months (the “Discount Period”).Scope & Exclusions. The discount applies only to recurring subscription fees and excludes taxes, other investment or service fees, usage-based or overage fees, and any one-time implementation or professional services. The discount is not stackable with other offers, credits, or promotions and has no cash value.
**Fees charged by investment platforms and third-party or affiliated issuers may apply.
Alto's holistic alternatives investment platform empowers individual investors to diversify their portfolios by investing in alts while supporting issuers with a range of fundraising methods to suit their unique needs.
Offering traditional, Roth, and SEP IRAs, Alto is bringing alternative investments to the mainstream, and the trillions in retirement savings in the United States to firms raising capital.
*All data as of September 30, 2024
Get startedAlto Solutions is a self-directed IRA administrator builds and operates easy-to-use technology that enables individual investors to access alternatives. Alto’s self-directed IRA products, the Alto IRA and Alto CryptoIRA® offer the same tax advantages as more conventional IRAs, while providing access to investment opportunities not offered by most custodians, without complicated or hidden fees.
