Crypto holdings

If your goal is long-term investment exposure, a registered account with a Bitcoin or Ethereum ETF is the best route. You mitigate any taxes owed if you do end up profiting.

However, the key thing here with these is you have to be able to hold them through the volatility. I believe it is a matter of when, not if, we see another 50%+ correction in cryptocurrencies. One incorrect move and a panic sell can end up in valuable contribution room to these accounts lost.

If you are comfortable with the large amount of volatility that will come from owning these assets, plus you are confident you won't make a mistake during a drawdown and panic sell them, tax-sheltered accounts provide a lot of benefits for crypto. I hold my Bitcoin in my LIRA, and have booked profits over the years that are completely tax-free.