If you have a retirement account that you need or want to keep & have access to stocks & ETF’s……….

100% buy MSTR over an ETF.

MSTR is buy/HODL where the BTC will forever remain in cold storage.

ETF’s are a day traders dream where BTC goes in/out like the tides (true paper BTC).

This is investment advice. Best is to move to Unchained or something similar & buy your own BTC. Or even liquidating the account/take the tax hit & buy directly into ur own Cold storage but that takes a lot of conviction.