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50% BTC, 25% MSTR, 25% FBTC (Roth IRA)
I've been DCAing in River for free and having it auto transfer to my Fidelity crypto account every 0.01. I also get FBTC in the 401k, roth 401k, roth IRA, and HSA through fidelity. I like everything in one place also. Also opened up a crypto Roth IRA this past year as well.
What's the advantage of a crypto account with Fidelity vs FBTC?
should allocate it to BTC? YES All at once? NO you could do 75% a BTC etf like FBTC then for draw downs add some non correlated assets that are STACKED on top of bitcoin. $RSSX is Sp500, Gold, and Bitcoin all in one. $BTGD is bitcoin and Gold. $OOQB is Nasdaq and Bitcoin. $OOSB is Sp500 and Bitcoin. That way you are still living on a bitcoin standard but you get diversification...in a way that you wont regret if if Bitcoin runs as you'll still benefit from it's upside while having some cushion on drawdowns Source? I made it all up (jk those are real tickers, DYOR)
I already do all that and this is to go 100% to FBTC, within the 401k. I am trying to figure out if there is a long game with bitcoin, or if the risk is too high. With the stock market, there is a guaranteed long game.
I like FBTC because they custody their own Bitcoin. If there is ever any new forking drama in the space I think they will have a more nuanced opinion than other funds.
Since youre basically talking about an ETF for BTC I’d take 200k and invest it into FBTC when it hits 50k so you have 4. If BTC historically has a 4 year ATM/bottom cycle sell them in a couple years at 200k. You would still have 600k that would be following the normal growth and potentially an additional 600k in a couple years. You can repeat this cycle or just have 1.2mil in VOO in a couple years
Have already done four different 401k rollovers in the past 3 years with another one settling right now to grab Bitcoin in the 60s Absolutely no regrets! Very excited to get this next buy in Am also buying FBTC because Fidelity actually holds their own keys. Setting a good example
I used to use IBIT but dumped all of that to FBTC because I trust Fidelity. I have large allocation in FBTC and MSTR. I worry somewhat but I think it is the right play for the next 5 to 10 years and beyond for that matter. I'm accumulating in fidelity tech mutual funds and S&P 500 as well.
For me, it comes down to who you trust. FBTC has does in-house custody, meaning Fidelity holds thier own coins. IBIT by Blackrock uses Coinbase to custody the coins. Coinbase has cooperated with oversight and been around a long time, so that is who I am most comfortable with. Also, IBIT holds significantly more BTC. They both track the BTC spot, so performance-wise they should be the same. You said the money isn't for you. Just FYI, if there are minor dependents, you can look into setting up a custodial Roth. These were 100% IBIT for me.
Okay, I think I’ll do this. $35K in IBIT and $35K in FBTC. Thank you everyone
I didn't see this said sooo... You might want to consider not just FBTC. Ya never know when someone might abscond with the BTC. For that sum you'd want to at least pick 2 or 3 firms so you can't lose it all on one big fraud. Also, BTC cannot rise faster than USD markets forever. You might want to consider doing 50% and making sure your other 50% is globally diversified. At this price though, I'd say 100% in the morning would have been good ;) I'd be worried about the long term and personally can't imagine going beyond 75% BTC in a 401k account. How else will you ever need to rebalance?
Of course. Thank you, a good result is this is that I am now thinking of IBIT instead of FBTC. But I wonder if there is any real difference?
No cash out, conversion (dump) into FBTC.
I wrote puts when it bottomed out on FBTC. Today is pay day for the premiums are wiped out pretty much. If I get assigned I dont care its just more btc. I would just DCA the dip though.
No, it stays in the 401k and goes to FBTC
I wouldn’t dump, it stays in the 401k as FBTC
Look at the GBTC/SPX chart (using GBTC because it has data going farther back than FBTC). Looks like the SPX is going to outperform BTC for awhile. If you're set on putting it into FBTC, I'd wait until the risk to reward is more appealing.
I’m comfortable with the responses here. I wanted to do 100%, but I think I will do 50%. Is there any problem with FBTC or are others better?
I’d say maybe dump a good portion in like 50% or more but keep at least 20-25% into VOO. I dumped all of mine in FBTC when bitcoin was about $40k and it turned out pretty good thru October 2025. It was very nerve wracking watching it plunge the last 5 months and I wouldn’t want to mentally go through that again. With that said I still have it all in FBTC and have been buying with every paycheck but I’m planning to diversify a bit if we get back to ATH.
Okay thanks, worst case if I can only have 1 do you think buying FBTC is a bad move in my regular IRA. Seems fine to me it’s backed up heavy
By crypto IRA do you mean regular IRA but just buy FBTC which is fidelity’s btc fund.
I chose FBTC over IBIT for those reasons and Fidelity has talked about in kind redemption of shares for actual Bitcoin. It’s not an option for retail investors yet, but hopefully in the future.
The spreads are the worst part. Even if you have a limit order you get completely ripped off with Coinbase. FBTC etf has a .01 spread.
One thing ETFs add that direct holding doesn't: transparent flow data. You can track daily inflows and outflows across all spot ETFs, giving you a read on institutional accumulation or distribution in real time. FBTC has generally seen steady net inflows since launch. That flow data is a useful signal whether you hold the ETF or just use it to inform your own buys.
My 16-year-old daughter wanted some Bitcoin in her savings mix (alongside money market and S&P 500 funds), so we put it in **FBTC**. I like that Fidelity embraced Bitcoin about 10 years ahead of other TradFi players, and that they self-custody the coins, unlike BlackRock's IBIT which relies on Coinbase (whose customer treatment is terrible). I also hold some FBTC in my Fidelity 401(k) for the tax perks, though most of my BTC exposure is spot Bitcoin in cold storage. Fidelity was the first major TradFi firm to let people buy spot Bitcoin and actually withdraw it to their own custody. Most others insist on holding your keys. Long term, the more regular people hold Bitcoin in cold storage, the better it can serve as a real exit from the fiat system.
Same lol. I transferred all my accounts out of Vanguard for FBTC because they became so anti-crypto. And having it as an IRA option is great.
I like it. My HSA is with Fidelity and 100% in FBTC
Rolled all our IRA's into an FBTC Roth Ira. We took it out of gbtc when FBTC was offered. I think it's a great choice as others have stated. They self custody the coins. Also, Fidelity has great customer service from our experience too.
of all the BTC ETF’s my heart leans towards FBTC as they are OG Bitcoiners and self custody their own Corn.
I’m currently DCAing the fidelity coin ETFs in a ROTH IRA so if I swing trade them or hold long term into retirement I won’t have to pay capital gains taxes on the gains so currently adding FBTC, FETH and FSOL and I’ll add XRP once they get a fidelity ETF , obviously there is the pro and con of not holding the coin but swing trade or long term hold seems like a smart option to do in a ROTH account, Would love some opinions on this approach it’s also a small portion of my portfolio and plan to swing and long term trade these 3 positions
Why not trade inside your investment account? Swap some of your ETFs/Stocks for IBIT or FBTC?
FBTC especially if you can use a tax free savings account
I don't think SIPC covers tail risks such as ETF holdings getting hacked. But yeah, ETFs are a much better option than leaving on exchanges, and easier for the average investor. To reduce risk further, just diversify across multiple ETFs such as IBIT, FBTC, FBTC, etc.
Buy FBTC & IBIT in a Roth IRA
IBIT or FBTC. They're the same, yet different in the way they hold their own bitcoin type investment. But either are fine.
FBTC or IBIT work just fine
I buy as FBTC. Bought 10k this morning Holding 230k in ETF.
That’s incorrect ETF name & symbol Fee Grayscale Bitcoin Mini Trust (BTC) 0.15% Franklin Templeton Digital Holdings Trust (EZBC) 0.19% Bitwise Bitcoin ETF (BITB) 0.20% VanEck Bitcoin Trust (HODL) 0.20%* Ark 21Shares Bitcoin ETF (ARKB) 0.21% iShares Bitcoin Trust (IBIT) 0.25% Fidelity Wise Origin Bitcoin Fund (FBTC) 0.25% WisdomTree Bitcoin Fund (BTCW) 0.25% Invesco Galaxy Bitcoin ETF (BTCO) 0.25% CoinShares Bitcoin ETF (BRRR) 0.25% Hashdex Bitcoin ETF (DEFI) 0.25% Grayscale Bitcoin Trust (GBTC) 1.50%
Also sitting on some FBTC. Its awesome that we have it available. That's why all the fud around the drop has been hilarious - theres a lot of capital in BTC. This is an asset that's here to stay.
I know, was being a bit facetious. I own quite a lot of FBTC in my IRAs. A lot of boomers have a lot of money in IRAs, but it’s the vehicle itself that seems to lend itself to holding. Inherently time horizon. I’d actually be curious to see ETF ownership by age bracket, now that I think about.
Bitcoin is not a company and does not have a "product". If you care about owning Bitcoin and its underlying ethos, then self-custody is the only play. >Does self custody still matter once you start using financial products Maybe you can elaborate as to what exactly you mean about using financial products. If one is getting exposure to Bitcoin via an ETF such as IBIT or FBTC, is that "using financial products"? Without more context it seems like a strange question to even ask. Whether one might opt to utilize one of those ETFs for example is not mutually exclusive to somebody else preferring to self-custody.
IBIT and FBTC (ETF funds) $25K in each.
Institutional crypto has turned into a machine that extracts value from retail. Spot ETFs like BlackRock IBIT and Fidelity FBTC, CME futures, options, perpetual swaps and structured products let funds profit from volatility, crashes and liquidations through shorts, leverage and basis trades. Price is driven by derivatives desks and macro flows, not real usage. A small group of custodians and institutions hold huge portions of supply, while paper Bitcoin and rehypothecation dilute the scarcity narrative. We have already seen how this ends for retail with FTX, Celsius, BlockFi, Terra and countless liquidation cascades. People lose everything while funds collect fees and trading profits either way. The tech side is not immune either. AI is accelerating exploit discovery and protocol attacks. Quantum computing is a real long term risk to current cryptography and signatures. If large scale quantum becomes practical, much of today’s blockchain security model is compromised. The reality is decentralization is shrinking, financialization is total, and the security assumptions are not permanent. Crypto is increasingly just another Wall Street asset class where retail takes the risk and institutions extract the value.
I never understood this mentality. If you believe the cycles are repeat patterns why don’t you sell when everyone was saying this is the cycle peak and load up on FBTC puts, sell those off today and now own 40x as many sats?
That’s exactly what I did. FBTC to IBIT
I've been investing all my roth iRA contributions to FBTC this year, will be interesting to see how that works out by EOY.
Diversify! My FBTC and FETH dropped like rocks. But my SCHD is booming right now as people seek the new safe haven.
FBTC is a spot ETF and is required to directly own the underlying asset. They cannot own derivatives and similar to track the price and this is enforced by the SEC. They own the assets under Fidelity Digital Asset services and is segregated in different wallets with most being offline. This organization is regulated by New York Department of Finacial services and are required to own 1:1 reserves. They also have quarterly SEC filing that show how much they own.
If all else fails, you can always buy one of the ETFs (like FBTC) in a brokerage account. I know many here have strong opinions about the bitcoin ETFs. I'm not here to convince anyone or argue the pros/cons! Simply offering an alternative route to get exposure at current market prices.
I know it’s not “real Bitcoin” but I do keep FBTC in a Roth for the tax advantages.
I'm switching jobs in a couple weeks and I will be able to roll my 401k over into FBTC. "You have no idea how high I can fly" - Michael Scott
I’ve been debating rolling a old 401k into a Roth and buying FBTC
Idk if it makes u feel better but I'm down -$26k between BITB/FBTC after deciding to increase my Bitcoin exposure this year. I just bought in $6k today at $77k only to see it drop to $75 as I am typing lol. Ultimately I'm trying to keep my Bitcoin exposure to ~10% of my portfolio. I plan to keep it this way for next 10 years (unless Bitcoin just goes to 0 lol). For my life goal, I think this is very cost efficient. It's either I work a few more years or I retire 2x of those years earlier.
I took advantage of this in December. I sold FBTC, purchased STRC, received two dividend payments at the end of December and January, and bought right back in to FBTC.
I did this in my perps al IRA about two weeks after they launched FBTC, it’s gone well
FBTC is what I bought, best way ever
Better buy fucking puts. June puts for FBTC $45 are still 60% cheaper now than they were in December.
Totally did this. I rolled over an old 401k to a Fidelity IRA and bought all FBTC/IBIT when Bitcoin was at $104k. 😮
I think he’s saying he would buy IBIT or FBTC in his 401k, not withdraw. But most (all?) 401ks don’t actually allow that. Only works in a Roth IRA (or maybe other types of IRAs, haven’t checked) in the US
Thanks for the input! I would just be mildly adjusting my holdings. Right now I’m in zero/low expense mutual funds (essentially 90% SP500/NASDAQ) and the rest international fund. Was thinking about dropping some SP500/NASDAQ tracking funds to maybe have 10% FBTC (like 0.25% expense fee). The only issue is that if fidelity or the bitcoin get hacked, the fund and investors will lose money.
I just put a boatload of my Roth IRA into FBTC. I know it's not the same as actual bitcoin, but this is the dip everyone will regret not buying (for anyone reading this). 2026 will be the last year BTC will be available for under $100k, MMW but also NFA.
Checking in as someone who invested 25% of my accounts into FBTC and IBIT since the beginning of the year. I plan to sell chunks out of it over a glidepath period of a decade or more as I get closer to retirement but may always hold as much as 25%.
I joined this sub because I recently invested 25% of my IRAs, HSA, and brokerage into IBIT and FBTC. Until late 2025 I barely even thought of Bitcoin. I’m sure I’m not alone.
IBIT with Vanguard and FBTC with Fidelity
Counterpoint: If you find a wife you have more retirement accounts that you can stack ETFs like FBTC or IBIT in
You should have bought FBTC for the margin. Great purchase.
Nice, my new 401k lets me invest in FBTC
I hold FBTC in my Roth. They custody their own Bitcoin. I went mostly all in early 2025 and cashed all principle out near ATH. Kept most profits in FBTC.
The fidelity credit card has a 2% cash back card. The points can be used to buy tickers like FBTC or BTCI.
tldr; Bitcoin ETFs experienced $103.57 million in outflows on January 23, marking the fifth consecutive day of redemptions, with total outflows reaching $1.72 billion since January 16. BlackRock’s IBIT led withdrawals, while Fidelity’s FBTC also saw redemptions. The sustained sell-off has reduced total net assets under management from $124.56 billion to $115.88 billion. Ethereum ETFs also faced outflows, totaling $611 million over four days. The selling pressure has reversed gains from mid-January, impacting institutional investments in cryptocurrency ETFs. *This summary is auto generated by a bot and not meant to replace reading the original article. As always, DYOR.
Too much hassle. Just buy FBTC or something and keep it simple if you have extra cash
It's funny to hear someone doing almost the same thing as I am. The only difference is that I intend to sell one-twelfth of my STRC each month and use the yield plus proceeds from the STRC sale to purchase FBTC. I don't think the fluctuation in price will be predictable enough for me to try your idea. I could be wrong though.
I have a friend that's shy about directly owning or putting too much money into any crypto. They recently put a bit into TKNQ and STBQ from amplify (DIVO people). It's a mix of crypto and crypto related equities that they were comfortable with. As for bitcoin they hold a little FBTC.
Spot ETFs like BTC or FBTC are also an option. There is no fee to purchase them, but they do have an expense ratio around 0.15%-0.25%
You can buy a bitcoin ETF like FBTC inside your Roth IRA
If you are going ETF then I would suggest FBTC. If you want to earn $ the. BTCI sells covered calls on Bitcoin.
Bitcoin in Strike, Bitcoin in wallet, Gemini Bitcoin rewaeds credit cars, IBIT, FBTC, MSTR.
Hopefully the markets can end the work-week on a strong note tomorrow. US Futures bombing down -1% last night dragged us down alongside it as short-volume moved in, but we're basically back to where we were yesterday as the S&P climbed back to a flat day (though Tech was still down today, and is down over the last 5 days). It'll be a few hours until Blackrock's ETFs report, but it looks like ETF outflows today were pretty well-absorbed by the markets as well. Fidelity (FBTC) customers in particular have sold around $680M worth in just 3 days, which amounts to ~5.5% of their entire fund as of Tuesday.
I do half IBIT, half FBTC. Fidelity came up with Fidelity Digital Assets to custody Bitcoin themselves. Blackrock custodies with Coinbase. Just a hedge if one or the other is compromised.
You need a better broker. I have FBTC in both TD and WealthSimple.
I checked my TFSA at my bank doesn't seem to allow holding FBTC or any crypto funds
For buy a flat outside eurogoulag in 2035 (target price mini: 500 000 USD) 🙏 DCA every month on $FBTC 30% allocation.
I believe the break-even point for a single investment is 8 years (1% purchase fee + 1% withdrawal fee for direct crypto)/.25% annual fee for fbtc. Hold longer than 8 years and the crypto ira is better. Hold for less (or trade more) and FBTC does better. If you're investing monthly or yearly and then withdrawing all at once, you'd be looking at more like 16 years (this would be an 8 year average age of a deposit). If you're not withdrawing all at once you can choose the midpoint of withdrawels (e.g. lets say you're 50, plan to retire at 65, expect to live until your 85, then average withdrawel time would be age 75, average age of investment = 25 years. Since 25 years > 16, you'd do better with direct crypto). I also suppose it's possible the fees on these funds could change over time... but that's hard to predict or model. The optimal strategy is to invest purely in crypto ira until you think you're 8 years away from withdrawing *that deposit & it's growth* and then start buying FBTC. But, if you're that close to withdrawing, you might consider less risky assets. My 2 cents anyway.
It's best to hold your own bitcoin - I'm sure other replies will cover the kraken purchases. But there's a lot to be said for tax free gains, too! If you have space in your TFSA, I'd buy FBTC with that $10k. By the time you retire, $10k should be worth substantially more, and in a TFSA you can withdraw tax free.
I've been doing this. I take some of my yields from SPYI, QQQI, and BTCI among others and buy FBTC with them.
I would say get a Fidelity account. You can buy either Bitcoin (BTC) or ETF (FBTC) and Ether (ETH) or ETF (FETH). No keys or pass phrases.. just signing into a stock account. You own the coins but need to sell them to spend them. Great for a beginner.
I suspect Fidelity runs the FSOL like FBTC and FETH.