Holding a spot Bitcoin or Ether ETF in a 401(k), IRA, or Roth rather than in a taxable brokerage account.
Inside a retirement account, the ETF's monthly expense sales and any gains are not reported; the account wrapper handles it. It is the simplest way to hold Bitcoin exposure without crypto tax reporting, at the cost of the fund's fee and no direct ownership. Withdrawals follow the account's rules.
No. Activity inside a retirement account is not reported on your return. Only distributions from the account are.
Source: IRC 408; IRC 401
Last reviewed September 18, 2026. Tax rules change; confirm current law before acting.
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