Bitcoin ETF or Buy BTC Directly? Choose by Amount and Holding Period (2026)
I've held both IBIT and self-custodied BTC since the ETF listed in 2024. Two years in, my biggest takeaway is that this isn't a "which is better" question — your amount, region, and risk tolerance determine which suits you. This article includes real fee measurements, a tax comparison, and a 5-person decision framework to help you make the best choice for your situation and avoid blindly following the crowd between ETF and self-custody. Suitable for investors who want to buy BTC but aren't sure how to hold it.