Spot Bitcoin ETFs have made crypto accessible inside IRAs and brokerage accounts.
Holding crypto in a tax-advantaged account may reduce capital gains tax drag over time, depending on account type and individual circumstances.
Most 401(k) plans do not currently offer crypto, though recent regulatory changes, including the Department of Labor’s May 2025 rescission of its 2022 guidance and a March 2026 proposed safe harbor rule, may gradually expand access over time.
IRAs remain a readily available alternative today.
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Bitcoin (BTC-USD) has become a mainstream consideration for long-term investors. Here is what investors should know before adding crypto exposure to a retirement account.
For years, Bitcoin lived outside the traditional investment conversation. It was too volatile, too
