If you want to get exposure to BTC in your retirement accounts I would say GBTC is much more reasonable lately. The premium has been consistently sub 5% and even negative at times. In the past it was as high as 20-30%, which made it too damn expensive. There is a 2% management fee. Lyn Alden just did a great explanation of what the Grayscale bitcoin trust (GBTC) is on The *What Bitcoin Did* podcast from Feb. 25. If you go to [bitbo.io](https://bitbo.io) and scroll down a bit the premium is tracked. Right now it’s -2.25 % to the GBTC NAV.