To own actual Bitcoin (not just a fund share), you must use a specialized custodian that supports alternative assets .

Log into your existing Roth IRA at a brokerage like Fidelity or Charles Schwab and purchase shares of an ETF such as IBIT (BlackRock), FBTC (Fidelity), or ARKB (ARK/21Shares) .

Direct ownership of the digital asset and access to a wider variety of cryptocurrencies .

Often carries higher fees than standard brokerages, including setup fees, monthly maintenance, and higher trading spreads . Top Providers for April 2026 Best Bitcoin IRA Companies for April 2026 - Investopedia