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The Alternative IRA®

Your savings should do more than just sit there.
Now anyone can invest their retirement funds in alternative assets. Just think of it as a simple way to maximize returns (with an added tax advantage).
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How Alto works:

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 20+ partners.

Create your account

Choose what to invest in.

Alto offers a wide range of alternative assets so you can easily diversify your portfolio, all in one place. Fine art, venture capital, startups, real estate, land, and more. Interested in something specific? You can even sponsor your own deal.

Bring on the tax benefits.

Growing your money doesn’t need to be taxing. Choose which IRA type works best for your tax situation to increase your return on investments. With a traditional and SEP, you pay no taxes until you take a distribution, and with a Roth IRA, you pay no taxes on gains.1

Two options, no hidden fees.

We believe in equal pricing for everyone, whether you’re investing hundreds or thousands.
See pricing
Most flexible

Pro

Invest with 20+ partners — or bring your own deal.

$25/month
Or $250/year (get two months free!)
Best value

Starter

Invest with 20+ partners.

$10/month
Or $100/year (get two months free!)

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.

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.
Still have questions? Ask us directly

Your retirement is now in your control.

Start investing
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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.