Tax Planning for Crypto in Retirement Accounts: One vs. Two IRAs

As financial markets evolve, the intersection of crypto and retirement will only deepen. New regulations, custodial innovations, and investor demand are likely to reshape how IRAs support digital assets.

Here are some trends to watch:

  1. Unified custodial platforms — services that let you hold stocks, bonds, ETFs, and crypto within one IRA will gain traction. The decision between one versus two accounts may morph into a non-issue.

  2. Tax rule adjustments — as policy catches up, we may see specific rules for crypto gains within retirement accounts, possibly favoring Roth-style treatment.

  3. Tokenization of real assets in IRAs — real estate, art, or income-producing assets tokenized on blockchain may be IRA-eligible in the future.

  4. Automated rebalancing across asset classes — platforms may offer AI-powered rebalancing that dynamically adjusts the mix of crypto and traditional holdings.

The foundational choices investors make today will resonate tomorrow. That’s why a timeless reference is One Account or Two? How a Crypto-Enabled IRA Fits Alongside a Traditional IRA, which frames the structural questions in a way that remains flexible in a changing context.

By understanding one vs. two account architectures now, you’ll be better positioned to adopt future innovations as they emerge. The guide’s emphasis on flexibility, clean custody, transparent reporting, and behaviorally-aware structure gives you a durable framework.

If you're positioning your retirement plan to ride into the next decade of finance, start by reading “One Account or Two? How a Crypto-Enabled IRA Fits Alongside a Traditional IRA” to lay a future-proof foundation.