Monthly account cost: $0
Cryptocurrency Trades: 1%
Physical Gold: $50 over spot per ounce
Physical Silver: $2.50 over spot per ounce
The minimum to open an iTrust account is $1,000. The maximum to fund an account is based on IRS limitations for cash contributions. There is no maximum for IRA Transfers or Qualified Plan Rollovers.
Cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), Cardano (ADA), Chainlink (LINK), Polkadot (DOT), Litecoin (LTC), Dogecoin (DOGE), Bitcoin Cash (BCH), Stellar (XLM), EOS (EOS), Uniswap (UNI), Compound (COMP), Sushi (SUSHI), Yearn.finance (YFI), Polygon - Matic (MATIC), Aave (AAVE), Solana (SOL), Curve DAO (CRV), Basic Attention (BAT), Enjin (ENJ), Algorand (ALGO), Cosmos (ATOM), Tezos (XTZ), Maker (MKR), Shiba Inu (SHIB), Decentraland (MANA).
Precious Metals: Gold, Silver
Transfer an IRA - Any existing IRA can be transferred. (Traditional, Roth, SEP, Simple, Inherited)
Employer Plans - Once you leave a job for any reason, you can rollover your retirement plan. (401k, 403b, TSP, 457)
Contribution - Add new funds based on yearly guidelines.
No. The IRS only allows IRAs to be funded with USD. However, you can transfer your crypto in-kind from another crypto ira provider.
Maybe. You may be eligible for an in-service rollover. Contact the plan administrator of the plan to find out if you have eligibility. Learn more
Yes. We have helped numerous clients transfer existing Bitcoin/Crypto IRAs from other companies. This is known as an in-kind transfer, and in most cases, you do not have to liquidate your investment to move it. Learn more
No. When transferring or rolling over funds from an existing account into an iTrustCapital IRA, there are no penalties or taxable events except when converting a pre-tax IRA/401k to a post-tax Roth IRA. Learn more about Roth IRA conversions.
Cash Contribution (ACH): 1-week
IRA Transfer: 1-2 weeks
Employer Plan Rollover: 3-4 weeks
No. To maintain compliance with IRS rules for IRAs, assets must be custodied. iTrust's clients' digital assets are secured with Coinbase Custody and Fireblocks. Learn more
All iTrust accounts are IRAs which shelter trades within the account from any taxes. Gains are either tax-deferred or tax-free, depending on the type of IRA you have. Learn more
If you take a distribution of your funds before the age of 59 ½, you may incur penalties. A tax professional can provide guidance on early distributions.
A Traditional IRA is funded with pre-tax dollars; gains are tax-deferred until you take distributions. A Roth IRA is funded with post-taxed dollars; gains are tax-free when you take distributions. Learn more
Yes. You can have as many IRAs as you want. However, you can only contribute the maximum per year collectively throughout all of your IRAs. Learn more
No. The “I” in IRA stands for individual, but you will need at least one beneficiary listed on your account who would inherit the account upon your passing. Many people name their spouse as the primary beneficiary.