深入加密貨幣投資的六種方法

近年來，多種加密貨幣都帶來了出色的回報，其中使用最廣泛的數位貨幣比特幣在過去一年中增長了 156%（美元）。這種誘人的前景吸引了新的投資者。

With several cryptocurrencies delivering outstanding returns in recent years, for instance, Bitcoin, the most widely used digital currency, experienced a 156% growth in the past year (USD), this prospect draws in new investors.

近年來，多種加密貨幣都帶來了出色的回報，例如，使用最廣泛的數位貨幣比特幣在過去一年中經歷了 156% 的增長（美元），這種前景吸引了新的投資者。

However, consumer advocates advise caution when venturing into cryptocurrencies. "Only those who are financially well-positioned should even consider investing in cryptocurrencies. These coins are only fitting as a supplement," warns Hendrik Buhrs, an expert in financial investments from the consumer advice service Finanztip. This caution is due to the absence of security measures found in conventional investment platforms. Cryptocurrencies are a high-risk endeavor.

然而，消費者權益倡導者建議在涉足加密貨幣時要謹慎。消費者諮詢服務 Finanztip 的金融投資專家 Hendrik Buhrs 警告說：“只有那些經濟狀況良好的人才應該考慮投資加密貨幣。這些加密貨幣只適合作為補充。”這種謹慎是由於傳統投資平台缺乏安全措施。加密貨幣是一項高風險的嘗試。

Step 2: Opt for a Platform

第 2 步：選擇平台

Besides physically investing in coins, another option is to invest indirectly. This can be achieved through buying securities that mirror cryptocurrencies. In the US, ETFs, which are stock exchange-traded index funds, have been approved for Bitcoin and Ethereum. Unfortunately, these financial products cannot be offered in Germany, and only ETNs, or stock exchange-traded securities that track the price development of the corresponding currency, are available.

除了實體投資硬幣外，另一個選擇是間接投資。這可以透過購買反映加密貨幣的證券來實現。在美國，ETF（即股票交易所交易指數基金）已獲批准用於比特幣和以太坊。不幸的是，這些金融產品無法在德國提供，只能使用 ETN 或追蹤相應貨幣價格發展的證券交易所交易證券。

"For those focused solely on price increases, an ETN would suffice," says Timo Emden, market analyst and crypto expert from Emden Research. The advantage of ETNs is that investors can transfer them in a securities account without worrying about blockchain or the secure storage of private keys for the coins (Step 6).

Emden Research 的市場分析師兼加密貨幣專家 Timo Emden 表示：“對於那些只關注價格上漲的人來說，ETN 就足夠了。” ETN 的優點是投資者可以將其轉移到證券帳戶中，而無需擔心區塊鏈或代幣私鑰的安全儲存（第 6 步）。

However, some investors value the fundamental principles of cryptocurrencies - like decentralization and the lack of any central authority, in which case Emden advises buying the coins directly. Fees are also a factor, as they apply to ETNs but not to the coins themselves.

然而，一些投資者重視加密貨幣的基本原則，例如去中心化和缺乏中央權威，在這種情況下，艾姆登建議直接購買加密貨幣。費用也是一個因素，因為它們適用於 ETN，但不適用於代幣本身。

Step 3: Select a Coin

第 3 步：選擇硬幣

With several thousand cryptocurrencies in the market, choosing which one to invest in can be challenging for new investors. While smaller currencies with short-term hype should be approached cautiously, it's advised to read the whitepaper or "prospectus" of the specific coin. This document outlines the core essence behind the currency. Emden suggests understanding its background before deciding.

市場上有數千種加密貨幣，選擇投資哪一種對新投資者來說可能是一項挑戰。雖然應謹慎對待短期炒作的較小貨幣，但建議閱讀特定貨幣的白皮書或「招股說明書」。本文件概述了貨幣背後的核心本質。埃姆登建議在做出決定之前了解其背景。

The coin's past performance should not influence the decision. Instead, the main focus should be on comprehending the unique features and importance behind each currency.

代幣過去的表現不應影響決策。相反，主要重點應該放在理解每種貨幣背後的獨特特徵和重要性。

Step 4: Select a Trading Platform

第四步：選擇交易平台

Numerous trading platforms offer Bitcoin and other cryptocurrencies. Some have made a name for themselves exclusively in the crypto space, while others, like traditional brokers, also facilitate cryptocurrency transactions. For most investors, access to popular coins is more vital than the range of options on the platform. German customer service is also recommended. In case of trouble, this can be invaluable assistance.

許多交易平台提供比特幣和其他加密貨幣。有些經紀商專門在加密貨幣領域成名，而有些經紀商（如傳統經紀商）也促進加密貨幣交易。對於大多數投資者來說，獲得流行代幣比平台上的選擇範圍更重要。德國客服也推薦。如果遇到麻煩，這可能是非常寶貴的幫助。

BaFin, the German financial services supervisory authority, now issues licenses to crypto custodians. A list of these verified companies is available on the BaFin website. Transparency regarding the provider's reputation and regulatory status is crucial to ensure security.

德國金融服務監管機構 BaFin 現已向加密貨幣託管機構頒發許可證。 BaFin 網站上提供了這些經過驗證的公司的清單。提供者聲譽和監管狀況的透明度對於確保安全至關重要。

Step 5: Decide on the Investment Amount

第五步：決定投資金額

For less popular cryptocurrencies, it might be impossible for most individuals to afford a whole coin, but owning fractions is an option. Buhrs suggests practicing with small investments initially. If unsure about a particular coin, set a predetermined threshold when buying on a trading platform to limit potential losses.

對於不太受歡迎的加密貨幣，大多數人可能不可能負擔得起整枚硬幣，但擁有碎片是一種選擇。布爾斯建議先進行小額投資練習。如果不確定特定貨幣，請在交易平台上購買時設定預定閾值以限制潛在損失。

Step 6: Ensure Secure Storage

第 6 步：確保安全存儲

To safely store digital currencies, it's essential to have a "wallet". This virtual bank unit holds the private keys (private keys) required for accessing the coins. When you own the keys, you're guaranteed ownership of the cryptocurrencies. This entails assuming the responsibility of managing your coins.

為了安全地儲存數位貨幣，擁有一個「錢包」是必不可少的。這個虛擬銀行單元持有存取硬幣所需的私鑰（私鑰）。當您擁有金鑰時，就可以保證您擁有加密貨幣。這需要承擔管理您的代幣的責任。

If you prefer not to handle this aspect on your own, many trading platforms offer to store your coins. Buhrs emphasizes the importance of considering the storage method to ensure maximum security. However, owning and securing your private keys is preferred for those who want to maintain sovereignty.

如果您不想自己處理這方面的問題，許多交易平台都提供儲存您的代幣的服務。布爾斯強調考慮儲存方法以確保最大安全性的重要性。然而，對於那些想要維護主權的人來說，擁有並保護你的私鑰是首選。

"Investing in cryptocurrencies is not a task for the faint-hearted" is the general consensus. Things can change significantly, rapidly - a good reason to stay abreast of market trends and possess a solid understanding of cryptocurrencies. Diversifying and managing your portfolio by continuously evaluating your digital assets might increase your chances of weathering the inevitable highs and lows. Not only should you research, but you should also seek expert advice. Finally, remain prudent when it comes to investing - independent critical thinking is crucial. It's crucial to understand and analyze the futures of various currencies, the potential of technological advancements, and societal changes that might affect the future of cryptocurrencies.

「投資加密貨幣不是膽小者的任務」是普遍共識。事情可能會發生巨大、迅速的變化——這是跟上市場趨勢並對加密貨幣有深入了解的一個很好的理由。透過不斷評估您的數位資產來多樣化和管理您的投資組合可能會增加您度過不可避免的高潮和低潮的機會。您不僅應該進行研究，還應該尋求專家的建議。最後，在投資方面保持謹慎——獨立的批判性思維至關重要。了解和分析各種貨幣的未來、技術進步的潛力以及可能影響加密貨幣未來的社會變化至關重要。

Your financial educator, [Your Name]

您的金融教育家，[您的名字]

There are different versions for securing your cryptocurrency, with the most popular being hardware wallets and paper wallets. A "hard wallet" is an example of a USB stick that stores your keys. For "paper wallets," investors write down their access on a piece of paper. "I'd go for a hardware wallet, which has a proven track record," Emden suggests. However, everyone has their own preference, and there's no right or wrong option. The key is to keep

有不同的版本可以保護您的加密貨幣，其中最受歡迎的是硬體錢包和紙錢包。 「硬錢包」是儲存金鑰的 USB 記憶棒的一個例子。對於“紙錢包”，投資者將他們的訪問權限寫在一張紙上。 「我會選擇硬體錢包，它有著良好的記錄，」艾姆登建議。然而，每個人都有自己的偏好，沒有正確或錯誤的選擇。關鍵是要保持