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iTrustCapital Review: Is It Worth It for Crypto and Precious Metals IRAs?
iTrustCapital started in 2018. It mixes brokerage and custody for self-directed IRAs in cryptos like Bitcoin and Ethereum, plus gold and silver from places like the Royal Canadian Mint.
This lets you mix up your retirement savings beyond stocks and bonds. Enjoy 24/7 trading and tax benefits in Roth or Traditional IRAs, following IRS rules and FINRA checks.
Security stands out here. Cryptos stay in 100% cold storage with multi-party computation, and metals are insured at Fortis Bank.
They have an A+ BBB rating with no big hacks. The easy dashboard gets you started in under 10 minutes with KYC (know-your-customer checks), funds via ACH (bank transfers) or rollovers, live charts, and fast trades in 10-15 minutes.
Fees are clear and fair. No setup costs, just 1% per trade and $29.95 monthly (a bit more for bigger balances), with $1,000 minimum.
This beats rivals like BitIRA (2.5% fees) or Bitcoin IRA (1-2%). Great for wider choices in crypto or metals IRAs.
- Pros: Enjoy tax-free growth on cool assets, trade anytime, super low fees under 1%, rave reviews (4.8/5 on Trustpilot from over 1,000 folks), and top-notch security.
- Cons: $1,000 minimum shuts out tiny starters, monthly fees sting small accounts, no stocks allowed, and metals delivery takes 7-10 days-act fast if you need them quick!
Self-directed fans, check out iTrustCapital for crypto IRA perks or metals strategies. It gives cheap, reliable access to hot assets-chat with a financial advisor now to match your retirement dreams!
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Key Takeaways:
- Jump into tax-smart IRAs for crypto and gold with easy 24/7 trading-perfect for shaking up your retirement without stock hassles!
- 1% trade fees rock, but mind metal storage extras; top pick for savvy alternative investors craving clear, simple vibes.
- Suits techy retirees or young guns chasing crypto/gold thrills-grab self-control now, but peek at Alto IRA for more choices.
Key Features of iTrustCapital
- Self-directed IRAs for cryptos and metals (our guide on how to select a self-directed IRA custodian provides key insights into setup and management).
- 24/7 trading access.
- Secure cold storage and insured vaults.
- Easy dashboard for quick trades.
Cryptocurrency and Precious Metals Trading
- Crypto trading: Buy/sell Bitcoin, Ethereum, Litecoin, Solana, Ripple, Dogecoin with real-time prices.
- Metals: Get gold/silver from Royal Canadian Mint or Kitco, stored in vaults or delivered.
- How to trade: Log in, pick assets, set orders (limit/stop for crypto, VaultChain for metals), confirm-done in 10-15 mins with 1% fee and $1,000 min.
24/7 Access and Tax-Advantaged IRAs
Trade cryptos and metals anytime, day or night. Do this in Roth IRAs (tax-free growth) or Traditional IRAs (tax-deferred), all IRS-approved.
Never miss a market move!
24/7 Access enables trading of assets like Bitcoin (BTC) and gold at any time, including weekends.
Trade in a tax-advantaged IRA through iTrustCapital. This setup lets your investments in alternative assets grow without immediate taxes, following IRS rules for self-directed IRAs.
2024 contribution limits for IRAs reach USD 7,000 for individuals under 50.
FINRA, the Financial Industry Regulatory Authority, oversees iTrustCapital to ensure it follows rules. This helps keep your tax-deferred investment gains safe.
Is the Company Secure and Regulated?
All cryptocurrencies stay in cold storage to prevent hacks. Multi-party computation spreads out access keys among trusted parties, plus commercial insurance covers any risks.
Excitingly, iTrustCapital holds an A+ rating from the Better Business Bureau. No major security issues since 2018-your investments are in good hands!
How User-Friendly Is the Platform?
The iTrustCapital platform is user-friendly, with an intuitive interface that simplifies account setup, funding, and 24/7 trading.
Get started fast with onboarding that takes under 10 minutes. You'll just need basic info and a government ID for KYC-Know Your Customer-verification.
Fund your account easily via bank transfer, ACH (Automated Clearing House for electronic payments), or IRA rollover. Best part: no setup fees!
The dashboard provides real-time and historical charts, market commentary, crypto prices, and order placement tools.
Reach customer service by phone or email-they resolve issues quickly. Users give them 4.8 out of 5 stars on Trustpilot.
Fee Structure: Hidden Costs or Good Value?
iTrustCapital's fee structure includes no setup fee and a $1,000 account minimum for self-directed IRAs in crypto and precious metals.
Transaction fees equal 1% per trade, while monthly platform fees range from $29.95 to $39.95 based on account balance.
iTrustCapital avoids hidden costs like custody or storage fees for metals, though spreads on crypto trades and potential wire transfer fees apply.
iTrustCapital offers fantastic value with its low, upfront fees-get in on this smart choice over stuffy traditional brokers today! Worth exploring: Precious Metals IRA Custodians - A Detailed Guide.
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Trading and Account Fees
| Fee Type | Cost | Applies To |
|---|---|---|
| Transaction Fee | 1% | Crypto and Precious Metals Trades |
| Monthly Account Fee | $29.95 - $39.95 (based on balance) | All Active Accounts |
| Setup Fee | $0 | New Accounts |
But How Does It Stack Up Against Competitors?
iTrustCapital shines against rivals like BitIRA, Bitcoin IRA, BlockTrustIRA, and American Hartford Gold. It offers lower fees and more asset choices for self-directed IRAs-don't miss out!
- iTrustCapital: 1% transaction fees
- BitIRA: 2.5%
- Bitcoin IRA: 1-2%
- American Hartford Gold: Markup-based pricing
- iTrustCapital lets you trade crypto and precious metals anytime, 24/7.
- BitIRA and Bitcoin IRA stick to crypto only.
- American Hartford Gold handles metals exclusively.
Platforms like BitIRA, Bitcoin IRA, BlockTrustIRA, and American Hartford Gold offer Roth and traditional IRAs.
iTrustCapital stands out with diversification options. Competitors focus on specialization, according to Forbes and Investopedia (2023). If you're interested in other precious metals specialists, our BGASC Review: A Closer Look at Their Precious Metal Services breaks down their offerings in detail.
Who Is iTrustCapital Best For?
iTrustCapital is perfect for self-directed IRA investors. Dive into crypto IRAs or precious metals like gold and silver in your Roth or traditional IRA accounts.
It serves people who love tax perks and round-the-clock access to exciting assets like these.
- Bitcoin (BTC)
- Ethereum (ETH)
- Litecoin (LTC)
- Solana (SOL)
- Ripple (XRP)
- Dogecoin (DOGE)
- Gold
- Silver
Mid-career pros with over $50,000 in retirement savings will love this. It's your chance to mix up your portfolio with alternatives beyond plain stocks!
Users get commission-free trading with limit orders and stop-loss options.
Easy account funding makes iTrustCapital a top pick for straightforward investing.
Company Background and Founding
iTrustCapital is a platform founded in 2018 that provides access to cryptocurrency and precious metals in self-directed IRAs.
- CEO Kevin Maloney: Founded the company; graduated from USC and previously worked at Everfree.
- Chief Marketing Officer Marc Guberti: Helps run daily operations.
iTrustCapital launched in the 2017 crypto boom. It fills the gap for secure, rule-following retirement investments with built-in brokerage and custody.
The platform ensures FINRA compliance and follows SEC crypto custody guidelines, with FDIC insured elements for traditional components.
By 2023, over 10,000 clients trusted iTrustCapital. It boasts an A+ BBB rating and glowing Trustpilot reviews-jump in before you miss out!
iTrustCapital maintains transparency with real-time audits and charges a 1% fee to build trust and avoid fraud risks.
Their Role in Alternative Asset Investing
iTrustCapital provides self-directed IRAs.
These let retirement accounts hold cryptos like Dogecoin and physical metals like gold and silver from the Royal Canadian Mint and Kitco Metals.
Fortis Bank handles secure custody.
Enjoy tax breaks, 24/7 trading, and safe off-site storage via VaultChain. Note: These assets aren't FDIC insured, so stay sharp!
Handle in-kind transfers and watch your investments in real-time. Perfect for navigating those wild market swings.
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Frequently Asked Questions
If you’re curious about how iTrustCapital works and whether it’s the right fit for your retirement strategy, this FAQ guide answers the most common questions investors ask.
What is iTrustCapital?
iTrustCapital is a self-directed IRA platform that gives investors access to cryptocurrencies and precious metals within a retirement account. Instead of being restricted to stocks, bonds, or mutual funds, you can diversify your retirement portfolio with assets like Bitcoin, Ethereum, gold, and silver—all in a tax-advantaged structure.
How does iTrustCapital work?
Once you set up an account, iTrustCapital connects you with an IRS-approved custodian and secure storage partners. You can fund the account through rollovers, transfers, or contributions, then buy and sell digital assets 24/7 or purchase physical gold and silver. All assets remain inside your IRA, meaning transactions grow with tax advantages.
What types of IRAs does iTrustCapital offer?
Traditional IRA – Contributions may be tax-deductible, with tax-deferred growth until withdrawal.
Roth IRA – Contributions are made with after-tax dollars, and qualified withdrawals are tax-free.
SEP IRA – Designed for self-employed individuals or small business owners, with higher contribution limits.
What assets can You trade on iTrustCapital?
Cryptocurrencies – Bitcoin, Ethereum, Cardano, Polkadot, and more than two dozen digital assets.
Precious Metals – Physical gold and silver stored in insured, IRS-approved vaults.
This combination gives you exposure to both innovative digital currencies and traditional stores of value.
What are the fees on iTrustCapital?
The platform charges:
1% transaction fee on crypto trades.
Competitive markups on precious metals purchases.
No monthly maintenance fees, which sets it apart from many other IRA providers.
Is iTrustCapital safe?
Yes. Digital assets are stored with institutional-grade custodians that use cold storage and insurance coverage. Precious metals are stored in IRS-approved depositories, fully insured against theft or loss. The platform is also IRS-compliant for self-directed IRAs.
Who should use iTrustCapital?
iTrustCapital is best suited for investors who:
Want to diversify retirement savings with crypto or metals.
Value control and flexibility within their IRA.
Prefer a transparent, low-fee platform for long-term investing.