, depending on whether you want to own the cryptocurrency directly or invest in a traditional fund that tracks its price.
: FBTC can be held in tax-advantaged accounts like standard IRAs and Roth IRAs. If your employer offers a self-directed brokerage window in your 401(k), you may be able to buy it there too. fidelity buy bitcoin
: Because it is an ETF, you can only buy and sell FBTC during traditional stock market hours. ⚖️ Direct Bitcoin vs. FBTC Spot ETF Fidelity Crypto® Account (Direct) Fidelity Bitcoin Fund (FBTC ETF) Asset Held Actual Bitcoin Shares of a fund tracking Bitcoin Account Type Dedicated Crypto Account Brokerage, IRA, or Trust accounts Trading Hours 23/7 (Short nightly maintenance) Standard U.S. market hours Fees 1% spread per trade 0.25% annual expense ratio Self-Custody Withdrawals to external wallets supported Not available (shares only) , depending on whether you want to own
: You open a separate Fidelity Crypto account and fund it by transferring cash from your traditional Fidelity brokerage account. : Because it is an ETF, you can
This route is ideal for long-term investors or retirement savers who want exposure to Bitcoin's price movements without managing digital wallets or separate accounts.
: Fidelity charges an annual expense ratio of 0.25% (25 basis points) to manage the fund.