Roth vs Traditional Crypto IRA

In This Guide

The plain-English differences, when each makes sense, and what to ask your tax pro.

Traditional IRA is typically funded with pre-tax dollars and taxed later (rules vary by situation). Roth IRA is funded with after-tax dollars and can be tax-advantaged later if rules are met.

For most people, the decision comes down to expectations about future tax rates, time horizon, and eligibility.

Practical move: ask your tax professional which IRA type fits your situation and confirm contribution/rollover rules.