@jakeclaverqfop: Age is the primary variable. If you are in your 50s and close to 59 and a half, staying in the 401k makes more sense. If you are younger and want access to capital before retirement age, rolling into a self-directed IRA to hold XRP directly or cashing out to gain full flexibility are both worth modeling with a financial advisor. XRP ETFs limit what the underlying asset can do for you. Self-directed IRA ownership gives more flexibility within a tax-advantaged structure.

Jake Claver

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Monday 12 October 2026 11:33:12 GMT