I have often wondered if a proper crypto IRA existed with sensible fees.  

I know I can Invest in BTC and ETH through some Index funds but that’s at a premium and I don’t own any of the underlying assets.  I can do this via bitwise or grayscale index funds.  

However I have finally found a company with sensible fees that offers me a proper crypto IRA where I own the underlying assets and they are held with a company I trust (coinbase).  

There are a number of companies offering Crypto IRA with a large monthly or yearly fee, and the crypto is held with a company I have never heard of.  For me this is a concern as I don’t know if they will be around when I retire. 

Coinbase is one of the most trusted if not the most trusted company when it comes to crypto, so I know for sure my assets are in a good place. 

You are not limited to BTC or ETH you can buy and sell any assets coinbase supports which whilst doesn’t include a lot I would like to invest it’s a lot more than other companies offer. 

The way a crypto IRA works is that the digital assets are owned by the IRA account (kept at Coinbase) and you are the custodian of the IRA.  You can trade crypto (buy /sell) yet take the tax advantages that an IRA gives you.   Whilst you can withdraw to USD it will be the same as a normal Roth IRA taxes may apply. 

 http://www.altoira.com is the company they are US based and this is a proper Roth IRA not needing an LLC as some crypto IRA’s do.  There support is excellent friendly, responsive and helpful which is actually what I need from a company l am using for my retirement. 

In order to buy and sell crypto they use Coinbase’s API.  Any cash held in your account is also coinbase account. 

You do not get a login to coinbase all trades are done via http://www.altoira.com website. 

For the fees there is a monthly 1%  based on the average balance from the previous 30 days and 1.5% per trade fee. 

I look at a crypto IRA as an addition to my other retirement accounts.  I have a 401k which is company matched and a Roth IRA that is invested in stocks.  I do not plan on putting the full available 6k per year at the moment into crypto but I will put a % as I think long term having a balance is best.   

Just remember crypto is a very volatile market and the above is not financial advice.  

Below is the list of crypto that can be traded in your crypto IRA. 

AAVE	AAVE
ALGO	Alogrand
ATOM	Cosmos
BAL	Balancer
BAND	Band Protocol
BCH	Bitcoin Cash
BNT	Bancor Network Token
BTC	Bitcoin
CGLD	Celo
COMP	Compound
DAI	Dai
DASH	Dash
EOS	EOS Blockchain
ETC	Ether Classic
ETH	Ether
FIL	Filecoin
GNT	Golem
GRT	The Graph
KNC	Kyber Network
LINK	Chainlink
LOOM	Loom
LRC	Loopring
LTC	Litecoin
MANA	Decentraland
NMR	Numeraire
NU	NuCypher
OMG	OMG Network
OXT	Orchid
REN	Ren
REP	Augur
SNX	Synthetix Network Token
UMA	UMA
USDC	USD Coin
UNI	Uniswap
WBTC	Wrapped Bitcoin
XLM	Stellar
XTZ	Tezos
YFI	yearn.finance
ZEC	ZCash
ZRX	0x

They support traditional IRA, Roth IRA as well as backdoor Roth.