Best Crypto ETFs in Canada (2025): How to Invest Safely in Digital Assets
2025-06-09
Crypto investing can be risky, complex, and overwhelming—especially for beginners. But for Canadians looking to gain exposure to Bitcoin and Ethereum without dealing with wallets, private keys, or exchanges, crypto ETFs offer a regulated and simple solution.
Whether you’re investing through a TFSA, RRSP, or a taxable account, crypto ETFs make it easier—and safer—to step into the digital asset world.
Let’s break down the best crypto ETFs in Canada, their features, and how to invest in them responsibly in 2025.
What Are Crypto ETFs?
Crypto ETFs (Exchange-Traded Funds) are investment funds that track the price of cryptocurrencies like Bitcoin or Ethereum.
Rather than buying and storing crypto yourself, you buy shares in an ETF that holds crypto in secure custody (typically institutional-grade cold storage).
Key Advantages:
- Tradeable on the TSX like any stock
- Can be held in tax-sheltered accounts (TFSA/RRSP)
- Lower technical barrier than direct crypto ownership
- Backed by reputable financial institutions
Read more: Is Crypto Trading Legal in Nigeria? Looking from the CBN Perspective
Best Crypto ETFs in Canada (2025)
Best Bitcoin ETFs
Best Ethereum ETFs
Best Mixed Crypto ETF
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Pros and Cons of Crypto ETFs
Pros
- Simple to Buy/Sell: Just like stocks, via your brokerage
- Safe Custody: Crypto is held in cold storage
- Registered Account Friendly: Eligible for TFSA and RRSP
- Diversification: Add to your portfolio without extra risk tools
Cons
- Higher Fees: MERs are generally 0.74%–1.68%
- No Blockchain Access: Can’t use DeFi, stake, or vote
- Price Tracking Issues: May deviate slightly from underlying asset
- Still Volatile: Crypto prices can swing wildly
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How to Invest Safely in Crypto ETFs
1. Keep It Small
Crypto should be a small portion of your portfolio (5–10% max for most investors).
2. Use TFSA or RRSP
Gain tax advantages by holding ETFs in registered accounts.
3. Prioritize Low Fees
ETFs like BTCX-B.TO and ETHX-B.TO offer lower fees, which add up long term.
4. Diversify Across Coins
Consider a mix of BTC and ETH exposure—or use a blended ETF like ETC.TO.
5. Understand the Risks
These are still crypto assets—volatility is part of the game.
6. Avoid Leveraged Products
Stick to unleveraged ETFs for safety and lower risk.
7. Monitor Regularly
Keep an eye on performance, rebalance annually, and don’t panic sell.
Are Crypto ETFs Worth the Fees?
Yes—if you value convenience, security, and tax benefits. While the fees are higher than direct crypto ownership, ETFs remove the complexities of managing wallets, securing private keys, or navigating crypto exchanges.
For most long-term investors, especially those using registered accounts, the trade-off is worth it.
Final Thoughts
Crypto ETFs in Canada are a great way to gain secure, regulated exposure to digital assets. For most investors, ETFs like the CI Galaxy Bitcoin ETF (BTCX-B.TO) and CI Galaxy Ethereum ETF (ETHX-B.TO) strike the best balance of cost, simplicity, and safety.
As with any investment, do your research, assess your risk tolerance, and consider speaking to a financial advisor. But if you’re crypto-curious and want a safer entry point—crypto ETFs are a smart place to start.
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FAQ
1. Can I hold crypto ETFs in a TFSA or RRSP?
Yes. Most Canadian crypto ETFs are eligible for both accounts.
2. Are crypto ETFs safe?
They’re generally safer than direct crypto ownership, as the assets are stored in secure cold wallets.
3. What’s the difference between buying crypto directly and an ETF?
With an ETF, you don’t own the crypto yourself—you own shares in a fund that holds it for you.
4. Which is the cheapest crypto ETF in Canada?
The CI Galaxy ETFs (BTCX and ETHX) have the lowest fees among their peers.
5. Should I invest in Bitcoin, Ethereum, or both?
Many advisors recommend diversifying into both, or using a mixed ETF like ETC.TO for broader exposure.
Disclaimer: The content of this article does not constitute financial or investment advice.
