Is your Retirement Account positioned for the Wealth Transfer? Does it have Gold, Silver, Oil, and Crypto in it?
Many people are struggling to find the money to buy the prophetic cryptos. But most people have retirement accounts that are just sitting there invested in low risk, low rewards investments.
Did you know you can buy Crypto in your Retirement Accounts? You can also buy a Gold/Silver ETF that invests in physical precious metals.
There are many different retirement accounts. And you would need to find out which ones you have. For example, I worked at a hospital and was signed up for a Fidelity 403b retirement account. This is a low-risk retirement account. Fortunately, Fidelity allows retirement holders to open a Self-Directed brokerage retirement account and transfer money from the normal work retirement into it. That is what I did while still employed. This self-directed account allows you to invest in many ETFs and stocks that are not allowed in the standard work retirement account. This account unfortunately still has many limitations and will not let you buy the very risky stuff.
There is, however, a workaround that may work for some people. When I left my job, I had two options, leave my retirement account at the employer, or create a new Rollover retirement IRA account at Fidelity and transfer the work account into it. There are tradeoffs though. In most cases, if you do this, and decide to go back to work at the same employer, often, your vesting and retirement benefits will start from zero again. But the benefit of doing this is that the retirement IRA that you open for yourself now has zero limitations on investing – you can invest in anything you want. For example, I have crypto, gold, silver, and penny oil stocks like ZNOG, in my retirement account.
Don’t forget about Roth IRA. In most cases, because this is an individual retirement account, there are no restrictions on what you can invest in. So you should be able to buy gold, silver, oil, and crypto trusts in your Roth IRA, without any issues.
Here are examples of Gold, Silver, Oil, and Crypto investments in my retirement account:
- 1. GDLC – Grayscale Digital Large Cap Fund – This Trust owns Bitcoin, Ethereum, and some altcoins like XRP, Solana, and Cardano.
- 2. GXLM – Grayscale Stellar Lumens Trust – This trust owns XLM crypto
- 3. PSLV – Sprott Physical Silver Trust – Holds physical silver in Canadian Vaults managed by the Royal Canadian Mint. This is what I hold all my Silver investments in.
- 4. RING – iShares MSCI Global Gold Miners ETF – invests in Gold mining companies
- 5. TOSRF – 21SHARES AG – This trust owns XRP crypto
- 6. SLVP – iShares MSCI Global Silver and Metals Miners ETF – invests in Silver mining companies
- 7. ZNOG – Zion Oil & Gas – Prophetic Oil company that is drilling for oil in Israel
I do not own the following mining stock. But recently, a youtuber posted a dream seeing this stock at $1,000, while currently it’s only $0.79 cents. This is a multiple of over 1,000x. This means if you invest $1 thousand dollars, it will become $1 million.
$1,000 USAS – Shaphan Alan 6/4/25 – https://youtu.be/YYM691atMNo
USAS – Americas Gold and Silver – Unlike ETFs that may invest in multiple mining companies, this is a single company stock (Very risky). The company explores for gold, silver, zinc, lead, and other by-products.
https://digital.fidelity.com/prgw/digital/research/quote/dashboard/summary?symbol=USAS
https://americas-gold.com/
My recommendation is for you to call your retirement account company (your human resources department should have info on this), and ask them if you can invest in gold, silver, penny stocks, and crypto ETFs/ETPs/Trusts.
For Gold and Silver, you can buy physical silver ETFs, or you can buy the mining stocks. For example, the company that digs the gold/silver out of the ground also has a stock. If the price of gold/silver increases, in most cases the mining company stock also goes up in price. I have heard instances of people not being allowed to buy a gold/silver ETF in their retirement account but they could buy gold/silver mining stocks.
In recent years there have been companies popping up offering Gold IRAs and other things. Fidelity even opened a Crypto IRA – but only lets you buy Bitcoin and Ethereum for now. However, this is more complicated than just using the retirement account you already have at your current brokerage. Most people would not be able to transfer their retirement accounts into these.
https://www.fidelity.com/etfs/crypto-funds
Get easier exposure to the price of bitcoin—without buying bitcoin directly—in most brokerage, trust, and IRA accounts.
Are spot crypto ETPs eligible for investment through Fidelity’s workplace retirement plans?
At this time, exchange-traded products (ETPs) are not available as a designated investment option within a 401(k) plan. If a plan already offers Self-Directed Brokerage (SDB) and allows ETPs as an investment option within their brokerage window, FBTC, FETH, and other spot crypto exchange-traded products may be eligible for investment.
Recently the government has been considering easing the rules for Retirement Accounts to purchase crypto. But, for now, this process is complicated – as I outlined above. Hopefully, the rules are eased, and it will be easier in the future.
https://www.cnbc.com/2025/05/28/crypto-in-401k-plans-trump-administration-eases-rules.html
Trump administration axes Biden-era barrier for crypto in 401(k) plans
Published Wed, May 28 2025
The Trump administration on Wednesday relaxed barriers in 401(k) plans to buying cryptocurrency and related digital assets like NFTs and meme coins.
The Labor Department rescinded guidance put in place by the Biden-era Labor Department in 2022 that aimed to safeguard 401(k) investors from such digital assets.
At the time, the Biden labor officials cautioned employers to exercise “extreme care” before making crypto and related investments available to their workers. They cited “serious concerns” about the prudence of exposing investors’ retirement savings to crypto given “significant risks of fraud, theft, and loss.”
The Trump Labor Department has withdrawn that guidance in full.
The department said that it is “neither endorsing, nor disapproving of” employers who decide that adding crypto to a 401(k) investment list is appropriate.
7/18/25 Update:
You can now buy “XXRP” ETF on Fidelity. This is a 2x XRP ETF. What it means is if price of XRP increased by 10%, you make 20%. So you can make double, but you can also lose double.
Teucrium 2X Long Daily XRP ETF – https://digital.fidelity.com/prgw/digital/research/quote/dashboard/summary?symbol=XXRP
https://teucrium.com/etfs/XXRP
https://finance.yahoo.com/quote/XXRP/
The Teucrium 2x Long Daily XRP ETF (XXRP) seeks daily investment results, before fees and expenses, that correspond to two times (2x) the daily price performance of XRP for a single day, not for any other period.
A new XRP ETF launched on July 14, 2025. UXRP targets 2x daily XRP returns.
ProShares Ultra XRP ETF ($UXRP)
https://www.proshares.com/our-etfs/leveraged-and-inverse/uxrp
https://digital.fidelity.com/prgw/digital/research/quote/dashboard/summary?symbol=UXRP