Alto IRA Review

Alto IRA is an excellent opportunity for a self-directed IRA with alternative investments. This company allows you to invest in alternatives to the traditional IRA.

Alto IRA is a legitimate investment and only carries the regular risks that come with any investment.

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Our Partner

Self Directed IRAs

AT A GLANCE

  • No commissions, no paperwork
  • Transparent pricing
  • Invest in multiple asset classes
  • Tax-free investing
Overall Rating
4/5

Alternative IRA Provider

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Key Takeaways

  • Alto offers traditional investment options such as IRAs, Roth IRAs, and SEP IRAs.
  • They also offer Alto IRA and Alto Crypto IRA.
  • You can rollover your IRA into an Alto account.

Pros & Cons

Pros

  • Alternative Investments
  • Crypto IRA Options
  • Direct Investment Options
  • Partner Investments

Cons

  • Does not provide 401(K) investments
  • Cannot invest in stocks and ETFs

Determining if a company is the right fit for you is always difficult. Investments are risky, and you need to invest in companies you can trust.

This leaves you asking one very important question: is Alto IRA trustworthy?  The number of alternative investment options has rapidly multiplied in the last several years.

Alternative investments have shifted to include cryptocurrencies, start-ups, and other modern investment options.  In this Alto IRA review, I will dive into the ins and outs of this company and help you figure out if Alto IRA is the right company for you to trust with your alternative investments.

Alto IRA icon

Quick Summary

Minimum Investment: Varies by investment ($10 for crypto)

Account Fees: Starting at $10/mo or $100/yr

Promotion: No current promotions

About Alto IRA

Alto IRA is a company that provides self-directed IRAs. It allows investors to hold alternative investments in their retirement accounts

Alto IRA works with industry-leading banks and custodians to provide their clients with a safe and secure investment experience.  Alto IRA makes it possible to invest in digital assets within an IRA.

They are a self-directed IRA provider allowing various alternative investments, including crypto. A self-directed IRA means you have direct control over the assets you can hold in your account.

Alto IRA is one of the few companies that allow you to hold cryptocurrency in an IRA. Alto offers both traditional and Roth IRAs and SEP IRAs, and SIMPLE IRAs.

The variety of investment options stood out to me as I completed this Alto IRA Review.  Unfortunately, Alto's focus on alternative investments means they do not provide traditional 401(K) programs or stocks and electronically traded funds (ETFs).

If you want to invest in conventional programs, I recommend using a more traditional investment company.

Products

Alto IRA offers traditional investment options such as IRAs, Roth IRAs, and SEP IRAs. They also provide Alto IRA and Alto Crypto IRA.

The Alto IRA provides its users with various investment options, from traditional to cutting-edge. Some alternative investments include real estate, rare art, venture capital funds, start-ups, and private companies. 

Investors have access to more than 75 Alto partners. One of the reasons I wanted to do this Alto IRA review is because of the fantastic alternative investments that Alto offers.

Alto's CryptoIRA is also an exciting investment opportunity that had to be included in this Alto IRA review. Alto's CryptoIRA is connected with Coinbase and allows users to invest directly in over 135 cryptocurrencies.

You can trade your cryptocurrencies 24 hours a day, and Alto offers a concierge to help you get started in crypto. Additionally, Alto's CryptoIRA has a 1% trading fee which is far less than what you would pay if you traded directly on Coinbase.

You can rollover your IRA into an Alto account. This is a great way to diversify your retirement portfolio. Alto also offers the ability to use your Alto account like a 401(k). 

Alto makes it easy to move your retirement savings from one place to another.  The variety of products offered by Alto IRA is one of the reasons I wanted to complete an Alto IRA review.

Pricing

No Alto IRA Review would be complete without an outline of their pricing. Alto IRA has two different membership options. The starter package is for partner investments only.

The pro allows you to do both partner and direct investments. I've outlined the costs below.

Fee

Starter Account

Po Account

Account Fee

$10/month or $100/year

$25/month or $250/year

Partner Investment Fee

$10 or $50/investment

$10 or $50/investment

Direct Investment Fee

N/A

$75/per transaction

Outbound Wire Transfers

$25

$25

Account Closing Fee

$50

$50

In addition to these fees, Alto charges a one-time investment fee of $50 for partners and a private investment fee of $75.

Alto's pricing is different from many other investment companies, which stood out to me while researching this Alto IRA review.

Who is Alto IRA Best For?

Alto IRA is a self-directed IRA provider that offers a wide range of alternative investments, from real estate and private loans to cryptocurrency and precious metals

Alto IRA is best for investors who want to diversify their portfolios beyond traditional stocks and bonds.

Compare to Other Providers

Augusta Precious Metals
APM logo
  • Annual Fee: $180
  • Minimum Investment: $50,000
  • Promotion: Fees waived (depending on the investment amount)
Goldco
Goldco logo
  • Annual Fee: $175-$225
  • Minimum Investment: $25,000
  • Promotion: 5% back on metals over $50k
Noble Gold Investments
Noble Gold Investments Logo
  • Annual Fee: $225
  • Minimum Investment: $2,000
  • Promotion: Quality buyback program

Should You Use Alto IRA?

After reading this Alto IRA review, I am sure you can see the advantages offered by this investment company. Alto IRA is one of the top self-directed IRA providers in the industry, and they provide an excellent product for those looking to invest in alternative assets.

Overall, I believe Alto is an excellent choice for those looking for a self-directed IRA provider. They offer a wide variety of investment options and are a great company to invest in alternative investments.

I also believe that their pricing is competitive and allows investors to get precisely what they want without overpaying. Finally, they have a great team of customer service representatives who can help you with any questions.

I think Alto IRA is a great investment company with a bright future ahead of it. I encourage you to check out their website and look at the wide variety of alternative investments they offer. 

I promise they will back up everything I've said in this review.

Alto IRA FAQ's

Below are the answers to some of the most frequently asked questions I get about Alto IRA.

Is Alto IRA safe?

Alto IRA is a self-directed IRA provider offering alternative investments, such as real estate and cryptocurrency. Alto IRA has been in business since 2013 and is headquartered in Denver, Colorado.

Alto IRA is not a traditional financial institution, so it is not subject to the same regulations as banks or brokerages.

However, Alto IRA is a National Association of Securities Dealers member and is registered with the U.S. Securities and Exchange Commission. Alto IRA is also a member of the Better Business Bureau and has an A+ rating.

Is Alto IRA FDIC insured?

Alto IRA is not a bank and is not FDIC insured. Alto IRA is a self-directed IRA provider that allows investors to hold alternative investments in their retirement accounts.

While Alto IRA is not FDIC insured, all investor funds are held in segregated accounts at industry-leading banks and custodians.

Alto IRA is a safe and secure way to invest in alternative assets. Alto IRA is not a bank and does not engage in banking activities.

How does Alto IRA make money?

Alto IRA is a self-directed IRA company that enables investors to hold alternative investments in their retirement accounts. Alto charges an annual fee for its services.

Is investing in crypto in your IRA a good investment?

The answer to this question is up to you. Cryptocurrency is an excellent alternative investment and offers a tremendous economic opportunity. However, cryptocurrencies are also more volatile than traditional investments.

I believe that crypto is a good IRA investment in the long run. However, there is a chance that you will lose money in the short run.

At the end of the day, you are the only person who can determine if it is a good investment for you.

Alto IRA

With a self-directed IRA from Alto IRA, you can invest your retirement dollars in alternative assets like crypto, real estate, and fine art.

Alto IRA icon
  • Editor Rating
  • Rated 4 stars
  • 80%

  • Alto IRA
  • Reviewed by:
  • Published on:
  • Last modified: June 21, 2022


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