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Get More Out of Your IRA
Invest your retirement dollars in alternative assets with a self-directed IRA from Alto.

Why invest in alternative assets with Alto?

Interested in an Alto CryptoIRA®? Feel confident your investments are safe.

Digital assets held by Coinbase are maintained 1:1 in institutional-grade hot and cold storage.

Cash funds held by Coinbase are maintained in pooled custodial accounts at one or more FDIC-insured accounts.

Undirected cash in your Alto accounts are held in FDIC-insured accounts.

Alto enables (and encourages) two-factor authentication.

Learn more about using tax-advantaged IRA funds to invest in alternatives.

Alto IRA

Diversify your portfolio with alternative investments.

  • Startups
  • Venture capital
  • Real estate
  • Fine art
  • Private equity
  • Farmland

Alto CryptoIRA®

Buy and sell crypto without the tax hassles.

  • Tax-deferred (traditional & SEP IRAs) and tax-free (Roth IRA) investing1
  • Up to 200+ coins and tokens through Coinbase integration
  • No setup or monthly account fees
  • 24/7, real-time trading
  • Market and limit orders

What makes Alto the best way to invest in crypto?

Choose from one of the largest selections of any crypto IRA via Alto’s Coinbase integration.

24/7 Trading

Never miss a trade with 24/7, real-time trading, and the ability to place market and limit purchases and sales.

Tax Advantaged

Avoid crypto capital gains taxes, plus receive other tax benefits offered by traditional, Roth, and SEP IRAs.

Invest in cryptocurrencies and other alternative assets without complicated or hidden fees.

Get the support you need from people who are passionate about what we do (and aren’t outsourced).

Secure Storage

Rest assured your assets are held in FDIC-insured accounts (cash) or hot and cold storage (crypto).

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Self-Directed Roth IRA

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Self-directed Roth IRAs have enabled investors like Peter Thiel to amass fortunes tax-free. Could a self-directed Roth IRA help you maximize your investments?

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Frequently Asked Questions

An individual retirement account could just be the best way to invest in alternative assets, given their potential for outsized returns. 

No matter how much your investment grows, with an IRA, you’ll never pay taxes on gains. Additionally, you may be able to avoid taxes altogether. 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. Save for certain exceptions, these tax advantages require you to wait until you’re 59-½ to take distributions (and have had an account for at least five years in the case of a Roth IRA). 

Regardless of which you choose, this is particularly advantageous for crypto investors. If you buy and sell crypto outside a qualified (meaning, tax-advantaged) account, you are required to report each and every transaction on your taxes. However, doing so within an IRA enables you to avoid this often-tedious process.

Not only that, investing with an IRA gives you access to capital that is locked in other retirement accounts. (For most Americans, their largest source of investable assets.) Alto makes it easy to roll over funds from an existing 401(k), 403(b), 457, or TSP account, and we don’t charge fees to transfer money into your account.

You’re not alone if you’ve never heard of a self-directed IRA before. While the option to self-direct an IRA has been around as long as individual retirement accounts, it was not an easy process. Often, it meant mountains of paperwork and a significant commitment of capital. Then you had to find a custodian willing to submit that paperwork. It was, in a word, prohibitive.

We knew there had to be a better way to harness the tax advantages of a self-directed IRA to invest in crypto and other alternative assets. So everyone could diversify their portfolio the way wealthy and institutional investors have done for years.

There is no legal distinction between a conventional IRA and a self-directed IRA, meaning they share the same tax benefits. 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.

Yes! Self-directed IRAs offer all the same tax advantages of conventional IRA accounts. The difference is that with a self-directed IRA, you’re in the driver’s seat when it comes to investing for retirement. Not only do you have the freedom to choose your own investments; with a self-directed IRA, you’re able to invest in portfolio-diversifying opportunities outside the public markets, including crypto, private equity, venture capital, real estate, and other alternative investments.

Currently, any United States resident that is 18 years or older can open a self-directed IRA. However, there is one exception: At present, residents of Hawaii may not open a crypto IRA.

Here’s how it works:

  1. Click “Sign up” to create your Alto IRA or CryptoIRA account.
  2. Choose whether you’d like to open a traditional, Roth, or SEP IRA.
  3. Fund your account by transferring funds from an existing 401(k), 403(b), 457, or TSP retirement account or by making a cash contribution from your bank account.
  4. Start investing via our network of alternative investment partners (Alto IRA) or through our integration with Coinbase (Alto CryptoIRA).

Have more questions? We’re here to help!

If you couldn’t already tell, providing the best possible experience is kind of our thing. Really, just look at our core values.