加密退休：針對比特幣和其他數字資產的3倍回報

對於退休的老年人來說，有時的建議是減少您接觸風險的資產以保留巢雞蛋。但是，如果您的巢蛋已經被摧毀了，您需要一種高風險/高回報方法才能使其在幾年的時間內使其全部恢復，以便您可以舒適地退休？

The time-honoured advice for older people approaching retirement is to reduce your exposure to risky assets and preserve your nest egg.

對於退休的老年人來說，有時的建議是減少您對風險資產的接觸並保留巢蛋。

But what if your nest egg has already been destroyed and you need a high-risk/high-return method to make it all back in the space of a few years so you can retire comfortably?

但是，如果您的巢蛋已經被摧毀了，您需要一種高風險/高回報方法才能使其在幾年的時間內使其全部恢復，以便您可以舒適地退休？

It’s not a strategy for the faint-hearted — and it could easily go horribly wrong in the event of a sudden crash to a prolonged bear market — but some crypto investors see it as their last, best hope.

這不是一個膽小者的策略 - 如果突然撞到一個長時間的熊市，這很容易出錯，但是一些加密貨幣投資者將其視為他們的最後，最大的希望。

“I think your risk appetite would have to be pretty extreme to have all your eggs in any one basket, especially if that’s a volatile asset like crypto,” says payments consultant and former banker Rod Tasker.

Payments顧問和前銀行家Rod Tasker說：“我認為您的風險胃口必須非常極端，才能將所有雞蛋放在任何一個籃子裡，尤其是如果這是像加密貨幣這樣的波動性資產。”

Sydney project manager Alex P. is trying to set himself up once again for retirement after he lost the majority of his holdings in the collapse of Celsius, a risky crypto lending venture masquerading as a safe, bank-like platform that provided unusually high interest on crypto savings accounts.

悉尼項目經理Alex P.在失去了他在Cellapse的大部分股份後，試圖再次建立退休，這是一家風險的加密貨幣借出的風險投資，將其作為一個安全的，類似銀行的平台，提供了對加密儲蓄賬戶的異常濃厚的興趣。

The 52-year-old tells Magazine he invested all of his family’s funds into Celsius and switched his Self Managed Super Fund (SMSF) there too — that’s the Australian equivalent of a self-directed Individual Retirement Account (IRA). His 80-year-old mother saw how much interest he was getting from the platform and invested her retirement savings in Celsius too.

這位52歲的年輕人告訴雜誌，他將全家人的所有資金投入了攝氏，並在那裡轉換了他的自我管理的超級基金（SMSF） - 這相當於澳大利亞人等於自我指導的個人退休帳戶（IRA）。他80歲的母親看到了他從平台上獲得的興趣，並將退休儲蓄投資於攝氏攝氏。

“I completely drank the Kool-Aid of that business, so I had most of my crypto there,” he says. “You could essentially have financial freedom and one day retire and then live off the income, which is what we did.”

他說：“我完全喝了那個生意的庫爾德援助，所以我在那里大部分加密貨幣。” “您可以從本質上擁有財務自由，有一天退休，然後靠收入生活，這就是我們所做的。”

Celsius crypto retirement dream turns into a nightmare

Celsius Crypto退休的夢想變成了一場噩夢

For a while, the family was living the dream, and Alex and his wife quit their jobs in 2021 to live off the yield paid on their investments.

一段時間以來，一家人都在實現夢想，亞歷克斯和他的妻子在2021年辭去了工作，以靠自己的投資支付的收益。

Unfortunately, the dream turned into a nightmare. The “interest” was actually paid from the accounts of other users, and the scheme collapsed in mid-2022. Not only did Alex lose the majority of his funds, but he still had to pay an outstanding $400,000 tax bill on the income he’d earned.

不幸的是，夢想變成了一場噩夢。實際上，“利息”是從其他用戶的帳戶中支付的，該計劃在2022年中期倒塌。亞歷克斯不僅損失了大部分資金，而且他仍然不得不為獲得的收入支付未償還的40萬美元稅單。

“I put too many eggs in the Celsius network basket. So basically, I nearly lost the family home. My mum invested. I invested in it. So to say it was catastrophically damaging would be an understatement.”

“我把太多的雞蛋放在Celsius Network籃子裡。因此，基本上，我幾乎失去了家庭住宅。我的媽媽投資了。我投資了。所以說這是災難性的破壞，這是一種輕描淡寫。”

“It took a lot for me to not kind of go ‘where’s the nearest bridge?'” he adds.

他補充說：“我花了很多時間不去'最近的橋？'”

After battling for two years, they received back 25% of the crypto they’d invested via bankruptcy distributions. Alex blames himself rather than the crypto industry, and he’s determined to make it back.

戰鬥兩年後，他們收到了通過破產分配投資的加密貨幣的25％。亞歷克斯（Alex）責怪自己，而不是加密行業，他決心將其歸還。

Apart from the family home, all of his available funds have been reinvested in Bitcoin and other crypto assets, including his SMSF retirement account. He’s also trying to nurse his mom’s 25% portfolio back to life and spends around $15,000 a year to get advice in the Platinum group of crypto education outfit Collective Shift.

除了家庭住宅外，他的所有可用資金都已重新投資於比特幣和其他加密資產，包括他的SMSF退休帳戶。他還試圖為媽媽的25％投資組合恢復生活，並每年花費約15,000美元，以在Crypto Education Offic Outfit集體轉變中獲得建議。

“Essentially, now it’s just a matter of, you know, trying to pick the right assets within the SMSF, being a little bit maybe more risk-on with the crypto assets in order to try and build it back up again,” he says.

他說：“從本質上講，現在，這只是一個試圖在SMSF中選擇正確的資產的問題，對加密貨幣資產的風險有些風險，以便嘗試再次建立它。”

“Whereas with the personal portfolio, I’m trying to be less risky with that because, obviously, there’s too much on the line for me to take too much risk.”

“雖然有了個人投資組合，但我試圖對此冒著較小的風險，因為顯然，我的風險太多了，無法承擔太多的風險。”

Also read: Baby boomers worth $79T are finally getting on board with Bitcoin

另請閱讀：嬰兒潮一代價值$ 79T終於加入了比特幣

Finance professionals advise against going all in on crypto retirement

金融專業人士建議不要全力參與加密退休

Juanita Wrenn, managing director of Hudson Financial Partners, says the firm is unable to directly recommend crypto to clients for regulatory reasons, but they advise clients who already have it in their retirement funds to “cap crypto exposure at 2–5% of the total balance.

哈德遜金融合作夥伴董事總經理胡安妮塔·雷恩（Juanita Wrenn）表示，由於監管原因，該公司無法直接向客戶推薦加密貨幣，但他們建議已經在退休資金中擁有它的客戶“將加密貨幣敞口以總餘額的2-5％限制。

“That’s enough to benefit from upside if it performs, but not enough to cause catastrophic loss.”

“這足以從上升空間中受益，但不足以造成災難性的損失。”

She says it’s understandable, but very risky, to try to make a lot of money quickly to retire comfortably.

她說，試圖快速賺很多錢以舒適地退休是可以理解的，但很冒險。

“This is the most emotionally charged scenario, and the one where people are most tempted to take big risks. But here’s the truth: Chasing huge gains late in the game can often backfire worse than doing nothing at all.”

“這是最充滿情感的場景，也是人們最想冒險冒險的場景。但這是事實：在遊戲後期追逐巨大的收益通常比完全不做任何事情都更糟糕。”

Australians are fortunate that even a modest retirement account — around 314,000 Australian dollars ($205,000) is the sweet spot — can provide a comfortable retirement when combined with the government’s age pension.

澳大利亞人很幸運，即使是一個謙虛的退休帳戶（大約314,000美元（205,000美元）的最佳位置）也可以與政府的年齡退休金相結合時提供舒適的退休。

“Speculative bets like crypto are often more dangerous than they seem. Even a modest, well-structured portfolio — paired with age pension entitlements — can offer security and peace of mind.”

“諸如加密貨幣之類的投機賭注通常比看起來更危險。即使是一個謙虛，結構良好的投資組合（與年齡養老金的應有的權利配對）也可以提供安全和安心。”

Also read: Retire early with crypto?

另請閱讀：提早退休加密？