Since the approval of spot Bitcoin ETFs in early 2024, most major brokerages like Fidelity and Charles Schwab allow you to buy Bitcoin ETFs (such as IBIT or FBTC) directly in your existing traditional or Roth IRA.
If you choose the direct ownership path, the process typically follows these steps: 3 Best Bitcoin IRAs for 2026 - Bitbo can i buy bitcoin with ira
: You don't own the underlying Bitcoin; you own shares of a fund that tracks its price. Since the approval of spot Bitcoin ETFs in
: Direct ownership of the coins and access to hundreds of other cryptocurrencies. : Higher fees (often 1%–2% per trade +
: Higher fees (often 1%–2% per trade + annual maintenance) and a more complex setup. Step-by-Step: How to Buy Bitcoin with a Self-Directed IRA
Depending on your preference for simplicity or direct ownership, there are two primary ways to invest. 1. The Easy Route: Bitcoin ETFs (Standard Brokerage)
However, the "how" depends on whether you want to own actual Bitcoin or simply gain exposure to its price through traditional brokerage accounts. Two Main Paths to Bitcoin in Your IRA