The Secure Way To Invest In Digital Assets Using Your IRA | Top-Rated Crypto IRA Platform.
"Steven Crowders' #1 Crypto Investing Platform"
Download A FREE Beginner’s Guide To Cryptocurrency
Our guide to cryptocurrency investing for beginners covers the history of crypto, blockchain, investment strategies, and more in a format that is ideal for crypto newcomers. Enter your email to get our free cryptocurrency trading strategy pdf.
"Steven Crowders' #1 Crypto Investing Platform"
Download A FREE Beginner’s Guide To Cryptocurrency
Our guide to cryptocurrency investing for beginners covers the history of crypto, blockchain, investment strategies, and more in a format that is ideal for crypto newcomers. Enter your email to get our free cryptocurrency trading strategy pdf.
As Seen In
As Seen In
What’s In The Beginner’s Guide To Cryptocurrency?
Learn The Secrets Of Investing In Crypto
Investing in cryptocurrency for beginners can be intimidating, but it doesn’t need to be. Our guide to cryptocurrency trading for beginners will help you establish goals, create an investing strategy, select currencies that fit your retirement goals, and start building real wealth for the future.
Just because you’re a latecomer to crypto trading doesn’t mean you’ve missed the boat. Here are some of the key concepts that our guide will cover.
01
Cryptocurrency Fundamentals
Get a crash course in the fundamentals of cryptocurrency including history, how to trade cryptocurrency, and more.
04
Pros & Cons of Cryptocurrency
Explore the pros and cons of different cryptocurrencies, compare crypto investing strategies, and understand crypto technologies.
02
Cryptocurrency Use Cases
Learn more about how cryptocurrency transactions work, practical applications for crypto and more.
05
Popular Digital Currencies
Get an in-depth crypto analysis written in plain English for top coins such as Bitcoin, Ethereum, and Litecoin.
03
Blockchain 101
Get a deeper understanding of what the block chain is and how blockchain technology powers the cryptocurrency market and enables secure crypto transactions.
06
Retirement Planning Tips
Learn effective long-term crypto investing strategies that are perfect for building retirement savings.
What’s In The Beginner’s Guide To Cryptocurrency?
Learn The Secrets Of Investing In Crypto
Investing in cryptocurrency for beginners can be intimidating, but it doesn’t need to be. Our guide to cryptocurrency trading for beginners will help you establish goals, create an investing strategy, select currencies that fit your retirement goals, and start building real wealth for the future.
Just because you’re a latecomer to crypto trading doesn’t mean you’ve missed the boat. Here are some of the key concepts that our guide will cover.
01
Cryptocurrency Fundamentals
Get a crash course in the fundamentals of cryptocurrency including history, how to trade cryptocurrency, and more.
02
Cryptocurrency Use Cases
Learn more about how cryptocurrency transactions work, practical applications for crypto and more.
03
Blockchain 101
Get a deeper understanding of what the block chain is and how blockchain technology powers the cryptocurrency market and enables secure crypto transactions.
04
Pros & Cons of Cryptocurrency
Explore the pros and cons of different cryptocurrencies, compare crypto investing strategies, and understand crypto technologies.
05
Popular Digital Currencies
Get an in-depth crypto analysis written in plain English for top coins such as Bitcoin, Ethereum, and Litecoin.
06
Retirement Planning Tips
Learn effective long-term crypto investing strategies that are perfect for building retirement savings.
Who We Are
A Team With A Big Vision
Changing The Way People Think About Retirement Planning
We believe in diversifying your long-term portfolio with crypto to outpace inflation and build real wealth for your future. But we know that many do not do so because it can be scary. That is why we have designed an easy-to-use secure platform accompanied by a customer service team to make crypto investing as approachable and accessible as possible for anyone.
Who We Are
A Team With A Big Vision
Changing The Way People Think About Retirement Planning
We believe in diversifying your long-term portfolio with crypto to outpace inflation and build real wealth for your future. But we know that many do not do so because it can be scary. That is why we have designed an easy-to-use secure platform accompanied by a customer service team to make crypto investing as approachable and accessible as possible for anyone.
Our Mission
Creating An Easier Path ToFinancial Freedom With Crypto
We created My Digital Money on a single premise – investing in cryptocurrency should be more accessible, transparent, and user-friendly. As the global economy continues to struggle, we believe that cryptocurrencies like Bitcoin and Ethereum will become the preferred long-term investment vehicle for those saving for retirement. We are committed to accelerating cryptocurrency adoption and helping people across the US build real wealth – regardless of their previous crypto experience.
Why Choose My Digital Money?
Our crypto is custodied by our partner Equity Trust, the largest Self-Directed IRA company in the country with over $70B in AUM
Military-Grade Crypto Security
Battle-Tested Multi-Layer Security From Ledger
My Digital Money now provides military-grade security for all crypto assets through a partnership with a global leader in digital asset security, Ledger. Our security features include multilayer hardware security modules, segregated cold storage in decommissioned nuclear bunkers, and A-rated insurance backing your assets.
Customer Success
Customer Success Is Our First Priority
We understand that sometimes our customers might need a little extra help when trading crypto. Our U.S.-based customer success team is friendly, knowledgeable, and available to answer any questions you may have. We’re happy to talk with you about our platform, general questions about crypto, or the coins you’re thinking about investing in.
Play Money Accounts
Perfect Practice Makes Perfect Trades
Thinking about investing in a crypto IRA, but want to get more comfortable with crypto trading first?
With My Digital Money’s crypto trading simulator, you can practice by making real crypto trades in a real trading environment without any risk. Getting started by opening a play money account. It only takes about 2 minutes and no credit card is required.
Standard Trading Accounts
Trade Crypto The Old-Fashioned Way
Not every investor wants to tie up their digital assets in a retirement account. My Digital Money users can also access a standard trading account if they want to make trades outside their crypto IRA. While your standard crypto trading won’t receive the same tax advantages as your IRA trades, we still hold your assets safely in a trust.
Why Choose My Digital Money?
Our crypto is custodied by our partner Equity Trust, the largest Self-Directed IRA company in the country with over 70B in AUM
Military-Grade Crypto Security
Battle-Tested Multi-Layer Security From Ledger.
My Digital Money now provides military-grade security for all crypto assets through a partnership with a global leader in digital asset security, Ledger. Our security features include multilayer hardware security modules, segregated cold storage in decommissioned nuclear bunkers, and A-rated insurance backing your assets.
Customer Success
Customer Success Is Our First Priority.
We understand that sometimes our customers might need a little extra help when trading crypto. Our U.S.-based customer success team is friendly, knowledgeable, and available to answer any questions you may have. We’re happy to talk with you about our platform, general questions about crypto, or the coins you’re thinking about investing in.
Play Money Accounts
Perfect Practice Makes Perfect Trades
Thinking about investing in a crypto IRA, but want to get more comfortable with crypto trading first?
With My Digital Money’s crypto trading simulator, you can practice by making real crypto trades in a real trading environment without any risk. Getting started by opening a play money account. It only takes about 2 minutes and no credit card is required.
Standard Trading Accounts
Trade Crypto The Old-Fashioned Way
Not every investor wants to tie up their digital assets in a retirement account. My Digital Money users can also access a standard trading account if they want to make trades outside their crypto IRA. While your standard crypto trading won’t receive the same tax advantages as your IRA trades, we still hold your assets safely in a trust.
Download Our Free
Crypto Investment Guide
Investing in cryptocurrency is just like investing in any other security – it requires research, strategy, and a little bit of luck. Get started on your crypto investing journey with our free crypto guide.
Learn Time-Tested Crypto Investment Strategies
You don’t need complex tools or algorithms to succeed in crypto. While some more experienced crypto traders use advanced crypto investment strategies and algorithms, most retail crypto investors find success investing in crypto by following a basic cryptocurrency trading strategy and sticking to it.
Our guide breaks down proven long-term crypto investment strategies that will help you make a better first crypto investment.
Transparent Fees
No Monthly Costs
Transparent Fees
No Monthly Costs
Learn Time-Tested Crypto Investment Strategies
You don’t need complex tools or algorithms to succeed in crypto. While some more experienced crypto traders use advanced crypto investment strategies and algorithms, most retail crypto investors find success investing in crypto by following a basic cryptocurrency trading strategy and sticking to it.
Our guide breaks down proven long-term crypto investment strategies that will help you make a better first crypto investment.
Transparent Fees
No Monthly Costs
Transparent Fees
No Monthly Costs
Build Real, Long-Term Wealth With Crypto
Just remember, every crypto billionaire started as a beginner. Even if investing in crypto feels confusing now, your current investing experience does not dictate your potential for success. Our guide to crypto trading for beginners will help you understand the basics of crypto investing so that you can start making confident, informed crypto investment decisions.
My Digital Money Reviews
Read What Our Customers
Have To Say About My Digital Money
Dean Peterson with My Digital Money is a one-of-a-kind guy to speak with. Dean is patient and not condescending for newbies to understand. I also think Dean may have a natural ability to educate using analogies etc. My Digital Money is lucky to have Dean! I am inspired.
Lisa Midlam
My experience with My Digital Money was very professional. Dean answered all my questions and circled back around to see if I had anymore. He took the time to answer all my additional questions as well. Very pleased with my interaction with MDM and Dean so far!
Michael K
Great customer service! They will actually answer the phone and talk with you. I worked with Angie and she was so nice to work with. Definitely knows her business and had a great personality. If you want a Crypto IRA, then give My Digital Money a call. They will take good care of you.
D Gronart
At My Digital Money, we believe in making investing in digital assets easy and accessible to everyone. Diversify your retirement savings with a Crypto IRA and enjoy tax advantages.
Guy Gotslak
President & Founder
At My Digital Money, we believe in making investing in digital assets easy and accessible to everyone. Diversify your retirement savings with a Crypto IRA and enjoy tax advantages.
Guy Gotslak
President & Founder
Frequently Asked Questions
Frequently Asked Questions
Questions about our platform and its features? Want to know more about our fee schedule and fee tiers? Just interested in learning more about how a crypto IRA works? Browse some of the most commonly asked questions and answers we receive from our customers below.
What Is A Crypto IRA?
A crypto IRA is a retirement account similar to a traditional IRA, but instead of holding stocks or bonds, it allows you to hold cryptocurrency. The main benefit of a crypto IRA is that it allows you to diversify your retirement portfolio with a new asset class that has the potential to grow at a higher rate than more traditional investments. You can learn more about what a crypto IRA is in this article.
How Do I Buy Crypto In An IRA?
Buying crypto in an IRA is similar to buying crypto in a standard trading account. First, you’d sign up with a crypto IRA platform like My Digital Money and fund your account. Once your account is set up and the funds have cleared, you can start trading cryptocurrencies as you would on any other platform. The big difference is that trades executed in the IRA will be allowed to grow tax-free until they are disbursed.
What Type Of Crypto Investments Can I Put In An IRA?
My Digital Money currently offers 20 cryptocurrencies that can be traded in an IRA. Our team carefully researches and reviews each coin before making it available for purchase in an IRA by our customers.
How Many IRA Accounts Can I Have?
You might be surprised to learn that there is actually no limit on the number of IRAs that you can have. However, there are limits on the total amount you can contribute to the IRA each year that would be subject to tax advantages. Currently, you are allowed to contribute up to $6,000 per year to an IRA, or $7,000 per year if you are over 50.
How Is An IRA Taxed?
Your IRA can be taxed in one of two ways depending on the type of IRA it is. A traditional IRA is taxed at the time you make a withdrawal from the account. On the converse, a Roth IRA is taxed at the time of the contribution so no tax is due when you withdraw your assets. Keep in mind, if you withdraw your funds early they will likely be subject to a 10% penalty.
How Much Will An IRA Reduce My Taxes?
When you contribute to your traditional crypto IRA account, you can deduct the full amount contributed from your taxable income. This means that if you’ve earned $100,000 in a tax year and you make the maximum contribution of $6,000 to your IRA, your taxable income will only be $94,000. The maximum contribution limit is imposed by the IRS and is $6000 – $7000 depending on your age. See your Tax Accountant for your specific situation and guidance.
What Is An IRA Custodian?
An IRA custodian is a licensed and regulated institution, like a bank, credit union, or non-depository bank that holds IRA assets. There are different types of custodians, including third-party and self-directed custodians. When you invest in a crypto IRA on My Digital Money, your assets are held in trust by our custodian, Equity Trust. Learn more about how custody works here.
How Can I Diversify My IRA?
The best way to diversify your IRA is to open a self-directed IRA like a crypto IRA. A self-directed IRA will allow you to invest in non-traditional assets such as real estate, art, precious metals, and cryptocurrency. Diversifying your retirement savings with alternative investments is a great way to hedge against inflation and unexpected volatility in traditional markets.
Can I Borrow From My IRA Without A Penalty?
Technically, you are not allowed to borrow any funds from your IRA, and any withdrawals made before the maturity date are subject to taxes and penalties. However, any funds that are withdrawn can be repaid within 60 days and will not be taxed or subject to penalties.
Important Disclaimer
MDM is not a financial services provider, an exchange, a broker, a dealer, a broker-dealer, a custodian or a money transmitter. Furthermore, MDM is not an investment or tax specialist, financial planner or retirement advisor and does not provide investment or tax advice, finance planning services or retirement planning or advice. No fiduciary relationship, broker-dealer relationship, principal-agent relationship or other special relationship exists between MDM and its clients.
Furthermore, MDM does not receive, send, transmit or hold any client investments, properties or funds. Due to strict governmental oversight, a third party custodian, Equity Trust,holds all investments or properties on behalf of MDM clients and facilitates all transactions for MDM clients.
Simply, MDM is an independent company that merely assists individuals in using the Equity Trust trading platform to self-execute their purchase, sale and/or storage of digital currencies within their own self-directed IRA and/or taxable account. This means that when an MDM client is transacting a trade, the MDM client is instructing Equity Trust to buy, sell or hold digital currency in its self-directed IRA and/or taxable account using Equity Trust’s platform. Simply, all transactions are conducted between the MDM client and Equity Trust using the Equity Trust platform, where Equity Trust, not MDM or the customer, is actually executing the purchase, sale or storage of the digital currency.
MDM does not sell or issue payment instruments or stored value; nor does it receive any monies for transmission. MDM is solely responsible for interfacing with the client to make sure that they understand the third party platform and how to use it. Once an account is set up, clients self-direct the custodian, through the platform, to buy, sell or hold digital currency
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