OUR VERDICT
BITCOIN-ONLY, SIMPLE
8.5/10
Swan’s IRA is what you’d expect from a bitcoin-only company: Traditional and Roth accounts, automatic recurring buys, segregated custody in your name via Equity Trust, no rehypothecation, and education baked into everything. Pricing is simple buy-fee-based. No altcoins, no leverage — deliberately boring retirement stacking.
What it costs
ITEMFEE
Setup / monthly$0
Buy fee~0.99%
IRA typesTraditional · Roth (+ rollovers)
CustodianEquity Trust ($65B+ AUC)
Recurring buysSupported
From swan.com, June 2026. Re-verify before publishing.
DCA meets the IRA
Swan’s core product has always been automatic recurring buys, and the IRA inherits it: contribute, set a schedule, and dollar-cost average into your Roth all year without touching it. No other IRA provider makes steady accumulation this frictionless.
Custody posture
Assets are held in segregated accounts in your name through Equity Trust — a 50-year self-directed IRA custodian — with Swan explicit that client bitcoin is never lent or rehypothecated. Short of Unchained’s keys-in-hand model, this is the cleanest custody story in the category.
Who Swan is for
People who read our
learning path and concluded: bitcoin only, buy regularly, hold decades. If that’s you, Swan’s whole company is aligned with your plan — a rarer property than it should be.