Overview

Investing for the long run is challenging. Doing so successfully generally requires discipline, risk management, thoughtful rebalancing, and asset diversification over the course of changing and sometimes extreme economics regimes.

Such requirements can be particularly challenging for investors seeking exposure to digital assets – a complex mosaic of higher-volatility blockchain-powered assets. Knowing what to invest in, let alone how much and at what times, can feel daunting for both individuals and fiduciaries.

At Truvius, we believe digital asset strategies are best codified into systematic rules and implemented automatically.

Now, Truvius is taking its investments a step further by enabling them within Traditional and Roth IRAs: we’re combining our systematic active management and automated rebalancing of diversified crypto portfolios with the tax advantages of retirement accounts.

Crypto’s Place in IRAs

A Rules-Based Approach for Higher-Volatility Assets

As a relatively early and fast-moving asset class, crypto exhibits higher volatility compared to stocks. Instances of significant single-asset risk and rapid sector rotations are not uncommon.

At Truvius, we rely on two key pillars of portfolio management to approach crypto investing:

• Diversification: a diversified portfolio can help mitigate concentration risk and reduce overexposure to any single asset, theme, or market narrative.

• Automated Rebalancing: regular rules-based rebalancing helps maintain target allocations as markets move, reducing drift and minimizing investor intervention. Over long horizons, this systematic approach can help manage unintended risks and reduce behavioral errors.

Automation, Diversification, and the Long-Run

Automated rebalancing for diversified portfolios may fit strongly within retirement accounts: these account structures reduce trading frictions (good for rebalancing) and encourage a long-term approach (good for diversification).

Price movements can quickly shift a crypto portfolio away from its intended risk profile. Rules-based rebalancing uses automation to periodically realign allocations and maintain portfolio consistency as markets evolve, allowing investors to benefit from a repeatable process that helps prevent portfolio distortions and unintended concentrations.

Tax-advantaged retirement accounts particularly benefit from this type of systematic oversight. For taxable portfolios, rebalancing can often trigger capital gains taxes. Inside IRAs, however, trades generally occur without tax consequences, making it less costly to trim appreciated positions and “cheaper” to adhere to target positions.

The long-run approach of retirement accounts also compliments a diverse crypto portfolio. Given its elevated volatility profile and rapidly shifting nature, crypto can invite investor overconfidence (ex: attachment to strong performers) or excess anxiety (ex: fear during drawdowns), which in turn can lead to impulsive or unnecessary trading that may undermines long-term goals. Retirement accounts reinforce a goals-based, long-term approach that supports the powerful investment properties of asset diversification and minimizes pressure-driven behavioral mistakes that can occur over shorter-term time horizons.

Truvius Strategies Inside Traditional and Roth IRAs

Now, investors can easily access diversified, automatically managed crypto portfolios inside Traditional and Roth IRAs for long-term tax-advantaged growth in the Truvius app.

Investors can fund retirement accounts with pre-tax dollars today and pay taxes when they withdraw later (traditional IRAs) or fund them with after-tax dollars today and withdraw tax-free later (Roth IRAs). (Additionally, investors can contribute annually and/or transfer existing assets from their qualified custody accounts.) We believe both represent compelling structures for long-term crypto investors.

Modern Tools Within Time-Tested Retirement Vehicles

We believe that the integration of rules-based, actively managed crypto investing into retirement accounts represents a meaningful step forward for allocators’ toolkits. By combining diversification, automation, and tax-advantaged structures, investors can engage with digital assets in a way that aligns with long-term planning.

 Truvius does not provide tax advice. Please see important tax-related disclosures here.

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Important Disclaimers

This communication and the information contained herein is confidential and is intended solely for the information of the person to whom it has been delivered. It is not to be reproduced, used, distributed or disclosed, in whole or in part, to third parties without the prior written consent of Truvius. Neither Truvius nor any principal or agent guarantees or makes any representations as to the performance of any investment product, other investment vehicle or account managed by Truvius, the repayment of capital, income payments or any particular rate of capital or income return. All performance and risk targets contained herein are subject to revisions by Truvius and are provided solely as a guide to current expectations. There can be no assurance that Truvius’ strategy, or any of the investments shown herein will achieve any targets or projections, or that there will be any return on capital. Historic performance is not necessarily indicative of future performance, which could vary substantially. 

The information presented herein, including, but not limited to, Truvius’ organizational structure, investment experience/views, returns or performance, investment strategies, risk management, market opportunity, representative strategies, portfolio construction, capitalizations, expectations, targets, parameters, guidelines, and positions may involve Truvius’ views, estimates, assumptions, facts and information from other sources that are believed to be accurate and reliable and are as of the date this information is presented, any of which may change without notice. Truvius has no obligation (express or implied) to update any or all of the information contained herein or to advise you of any changes; nor does Truvius make any express or implied warranties or representations as to the completeness or accuracy or accept responsibility for errors. The information presented is for illustrative purposes only and does not constitute an exhaustive explanation of the investment process, investment strategies or risk management. No person (other than Truvius and its principals and employees) has been authorized to make any statement concerning Truvius and any such statements, if made, may not be relied upon. This communication has been prepared from original sources and data believed to be reliable. However, no representations are made as to the accuracy or completeness thereof. Except where otherwise indicated herein, the information provided herein is based on matters as they exist as of the date of preparation and not as of any future date, and will not be updated or otherwise revised to reflect information that subsequently becomes available or circumstance existing or changes occurring after the date hereof. Certain information contained in the presentation may constitute forward looking statements, which can be identified by the use of forward-looking terminology such as “may,” “will,” “should,” “expect,” “anticipate,” “target,” “project,” “estimate,” “intend,” “continue,” or “believe,” or the negative thereof or other variations thereon or comparable terminology. Due to various risks and uncertainties, actual events or results or the actual performance of any investment product, other investment vehicle or account managed by Truvius may differ materially from those reflected or contemplated in such forward-looking statements. This document is being provided for informational purposes only, and is being communicated for the purpose of ascertaining levels of interest in the investment products offered by Truvius.  These materials are not intended, and shall not be construed, as an offer to sell, or the solicitation of an offer to purchase, any security (including the investment products or any other vehicle or account managed by Truvius), the offer and/or sale of which can only be made by definitive offering documentation which will be provided to prospective investors in connection with any offering and which will contain material information that is not set forth herein, including risk factors relating to any such investment. All information, including projections and estimates, is subject to change without notice. Past performance is not necessarily indicative of future results. Please read our Form ADV Part 2A and Form CRS for more information.