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![BitPaine Avatar](https://lunarcrush.com/gi/w:24/cr:twitter::1441450123263832071.png) Bit Paine ⚡️ [@BitPaine](/creator/twitter/BitPaine) on x 48.3K followers
Created: 2025-07-24 17:49:43 UTC

your daily reminder that most of the commentators you see on here are literal children with zero knowledge of the world.

there are many very good reasons to stack $IBIT or $MSTR inside ERISA vehicles like 401(k)s but the best one is this:

401(k) plan assets are protected from creditors in bankruptcy under ERISA.

This means creditors usually cannot seize 401(k) funds to satisfy personal debts (there are exceptions, like IRS levies, divorce settlements, & criminal restitution). This applies to these assets even AFTER you have left your job and they have been transferred to an IRA, btw. 

So your spot / cold storage bitcoin? Yeah. They can take that. 

But they can’t take your $IBIT or $MSTR shares held in a 401(k).

This isn’t important until it’s suddenly very, very important. 

*Also, Roth ERISA vehicles accrue tax free.* 

Don’t take financial advice from children.


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**Related Topics**
[mstr](/topic/mstr)
[ibit](/topic/ibit)
[$mstr](/topic/$mstr)
[$ibit](/topic/$ibit)
[stocks etf](/topic/stocks-etf)
[stocks bitcoin spot etf](/topic/stocks-bitcoin-spot-etf)
[stocks crypto etfs](/topic/stocks-crypto-etfs)
[strategy](/topic/strategy)

[Post Link](https://x.com/BitPaine/status/1948440472009244948)