A Bundle is a collection of digital assets grouped around a theme or sector of the crypto market, bought in a single transaction and kept aligned to its target mix by automated rebalancing.
Steps / Explanation
The idea
Instead of buying several cryptocurrencies one at a time and adjusting them yourself, a Bundle lets you hold multiple assets as one managed grouping. Each Bundle has allocation parameters — the percentage each asset should represent — and automated rebalancing periodically trades the assets back toward those targets as markets move. See How automated rebalancing works in a Bundle for exactly how that works.
Two ways to build one
Pre-configured Bundles are ready-made themes you can select as-is — see The five Bundle themes for the current lineup. You pick a theme, a rebalancing frequency, a funding source, and an amount.
Custom Bundles let you choose your own assets and set your own allocation percentages (they must total 100%), then name your Bundle and set its rebalancing frequency.
Either way, creating a Bundle takes an initial amount between $1,000 and $500,000, and you confirm the order in the app just like a trade. You can add funds anytime after creation, hold up to 10 Bundles per account alongside your Individual Holdings, and include up to 20 assets in one Bundle.
What Bundles are not
A Bundle is not a fund you buy shares of, and not a managed product — the assets sit directly in your account, and the theme groupings are not investment recommendations. Neither Retired.com nor Digital Trust, our custodian, evaluates whether any Bundle fits your situation. Which Bundle (if any) to use is your decision as a self-directed investor.
What Pre-configured Bundles does Retired.com offer?
Retired.com offers five diverse Bundles to choose from. These bundles are organized around specific categories, themes, or sectors of the crypto market.
Name | Description |
|
Crypto Blue Chip | A grouping of established L1 networks providing exposure to widely held and commonly recognized digital assets | Bitcoin - BTC |
Tokenized Economy | A grouping reflecting activity related to tokenized assets smart-contract automation, and on-chain governance. These assets power real-world asset tokenization, data verification, and DeFi infrastructure. | Ethereum - ETH |
Al On Chain | A grouping of AI-focused crypto projects associated with decentralized compute, machine learning automation, data access, and on-chain prediction models. | Render Network - RENDER |
Privacy & Security | Exposure to digital assets associated with zero-knowledge privacy technology and on-chain confidentiality. | ZCash - ZEC |
DeFi | Digital assets associated with decentralized finance infrastructure, including lending, borrowing, automated liquidity, stablecoin systems, governance, and decentralized exchanges. | Aave - AAVE |
How often can I rebalance?
When you create a bundle, you select how often rebalancing occurs. Available options include:
Weekly rebalancing occurs on the same day of the week as your bundle’s creation date and at the same time of day.
Monthly rebalancing occurs on the same calendar day each month. If your bundle was created on the 29th, 30th, or 31st, future rebalances will run on the 28th to account for shorter months.
Quarterly rebalancing occurs every three months on the same calendar day, with the same 28th-day fallback if applicable.
Manual rebalancing occurs only when you select the “Rebalance Now” option. This performs the same process as a scheduled rebalance but runs immediately. Manual rebalances do not affect your future scheduled rebalance dates.
Note, you can manually rebalance the bundle at any time, regardless of the selected Rebalancing Frequency.
How Bundle Rebalancing Works
Bundle rebalancing is the process of adjusting a Crypto Bundle to align with its predefined allocation parameters after market movements cause asset allocations to change. Whether a rebalance runs on a schedule or is triggered manually, the same structured process is followed to ensure consistency.
When a rebalance occurs, the system evaluates your bundle using the following steps:
Identify and sell overallocated assets
First, each asset in the bundle is reviewed and compared based on its current allocation relative to its predefined allocation parameter. Any asset whose current allocation exceeds its predefined allocation parameter is considered overallocated. The overallocated amount from each asset may be sold to reduce its relative weight in the bundle.
Purchase underallocated assets
Next, after overallocated assets have been sold, the proceeds may be used to purchase assets that are underallocated—those whose current allocation is below their predefined allocation parameter. This adjusts allocations across the bundle.
Execute trades from largest to smallest deviation
Finally, assets are sold and purchased in order of the size of their deviation from the target allocation, starting with the largest. This approach prioritizes addressing the largest allocation differences first, If there are constraints such as liquidity limits, minimum order sizes, or market conditions, this sequencing addresses larger deviations before smaller ones.
Important Notes About Rebalancing
Small deviations are normal.
It may not always be possible to reach predefined allocation parameters exactly due to minimum trade sizes, price fluctuations during execution, or liquidity constraints. Minor deviations after a rebalance are expected and considered normal.Rebalances take time to complete.
A rebalance may take several minutes to finish. While it is in progress, you cannot initiate another rebalance, adjust Allocation parameters, or edit your bundle configuration.All rebalances follow the same process.
Scheduled rebalances and manual rebalances initiated by clicking the Rebalance Now button execute in the same way. The rebalance logic is identical regardless of how it is initiated.You may rebalance your bundle at any time by clicking the Rebalance Now button. This initiates the rebalance immediately.
By consistently applying this process, Crypto Bundles adjust allocations toward predefined allocation parameters in response to market changes on a recurring basis.
What Happens if a Trade Fails?
Occasionally, a trade may fail due to liquidity issues, market conditions, or system constraints. If one asset fails to sell or buy, the rebalance will continue to execute the remaining sells and buys. It is left to your discretion whether to leave the bundle unchanged or initiate a manual rebalance.
Frequently Asked Questions
How many bundles can I create?
You may create up to ten (10) bundles per account, in addition to your Individual Holdings.
How many cryptocurrencies can I have in one bundle?
You may hold up to twenty (20) cryptocurrencies in one bundle.
Will a failed trade stop my rebalance?
No. Failed trades are isolated and do not cancel the rest of the rebalance.
Can I rebalance assets in Individual Holdings?
No. Only assets held within a bundle are eligible for automated or manual rebalancing.
What happens if I add funds between rebalances?
Funds remain as cash until your next scheduled rebalance, or until a manual rebalance is initiated.
Why am I unable to create a Bundle?
There are a few reasons you may see an error when attempting to create a bundle:
Duplicate bundle name
Bundle names must be unique. If you’ve used the same name before, try choosing a different one.
Maximum bundle limit reached
You can have up to ten (10) active bundles at a time. If you’ve reached this limit, you’ll need to close or delete an existing bundle before creating a new one.
Account restrictions or verification issues
System or connectivity issues
Temporary technical issues or interruptions may also cause errors. If the problem persists, try again later or contact support.
What's the minimum to start a Bundle?
$1,000, up to a maximum of $500,000. You can add more after creation at any time.
Can I change a Bundle after I create it?
Yes — you can rename it, add or remove assets, adjust allocation percentages, change the rebalancing frequency, move funds in or out, or close it. See Bundles and your IRA — what to know.
Do I own the coins in my Bundle?
Yes. A Bundle is a grouping of assets your IRA holds directly, custodied by Digital Trust — not a share of a pooled fund.
Is a pre-configured Bundle a recommendation?
No. Pre-configured themes are groupings by market sector, not advice. We recommend consulting a tax advisor or attorney for guidance specific to your situation.
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