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Alto IRA vs Bitcoin IRA

Updated on May 29, 2024

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Alto IRA offers a self-directed IRA with more than than 200 coins and other alternative investments including venture capital, fine art, regenerative agriculture, private equity, and more.

Bitcoin IRA offers a self-directed IRA with options to invest in both cryptocurrency and gold, as well as opportunities to earn interest on your assets, including cash.

Find & move your old 401(k)s into your new IRA
Provider
AltoIRA
Self-Directed IRA
BitcoinIRA
Self-Directed IRA
Fees
AltoIRA
Crypto IRA: 1% Trade Fee for all transactions; No Custody or Account Fees
Alto IRA: Total invested capital $0.01 - $29,999.99: $37.50 per quarter; $30,000+: $100 per quarter
BitcoinIRA
Initial deposit fee: 5.99%; Transaction fees: 2% of all trades; Monthly account fee: 0.08%
What they invest in
AltoIRA
Private equity, venture capital, real estate, fine art, regenerative agriculture, rare spirits, over 200 different cryptocurrency coins
BitcoinIRA
Cryptocurrency (like Bitcoin, Ethereum, and 60+ others); Gold (note: these are actual gold bars stored in Brink’s storage facilities on your behalf)
Limitations
AltoIRA
Standard restrictions on alternative investments apply; in addition, you cannot currently invest in publicly traded assets like stocks and bonds.
BitcoinIRA
Bitcoin IRA has higher fees than some other providers of crypto IRAs, though you will be able to earn some interest on your holdings.
Human advisor available?
AltoIRA
Good: access to research on private investments through Alto partners like AngelList and Forge.
BitcoinIRA
Good; Bitcoin IRA offers various reports (on web and mobile) and allows you to set up advanced charts and price alerts which is especially useful for crypto trading.
Account minimums
AltoIRA
$0
BitcoinIRA
$0
Ease of use
AltoIRA
Star filledStar filledStar filledStar filledStar half
4.5 stars
BitcoinIRA
Star filledStar filledStar filledStar filledStar half
4.5 stars
Rollover

Fund a AltoIRA IRA with a 401(k) rollover

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Fund a BitcoinIRA IRA with a 401(k) rollover

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Find & move your old 401(k)s into your new IRA