認識可能成為增長趨勢的一部分的79歲的比特幣投資者

這對夫婦可能是少數澳大利亞越來越多的澳大利亞高級人士的一部分，這些澳大利亞人求助於加密貨幣，以提高他們的退休儲蓄。

Terry and Justine Sanders are not your typical cryptocurrency investors.

特里（Terry）和賈斯汀·桑德斯（Justine Sanders）不是您典型的加密貨幣投資者。

The Sandgate, bayside Brisbane, pair could be part of a small but growing number of senior Australians turning to crypto in a high-risk attempt to boost their retirement savings.

Sandgate，Bayside Brisbane，可能是一小部分但越來越多的澳大利亞高級人士的一部分，這些澳大利亞高級人士轉向加密貨幣，以增加他們的退休儲蓄。

The couple, who are both in their late 70s, said they bought $48,000 worth of Bitcoin in 2019.

這對夫婦都在70年代後期說，他們在2019年購買了價值48,000美元的比特幣。

They said they made almost half a million dollars after cashing out four years later, which Ms Sanders said had changed their lives.

他們說，他們在四年後兌現後賺了將近一百萬美元，桑德斯女士說，這改變了他們的生活。

"We don't tell most people our age that we are doing crypto," the 79-year-old said.

這位79歲的年輕人說：“我們不會告訴大多數我們的年齡人我們正在做加密。”

"The few that we told thought we had absolute rocks in our heads.

“我們告訴我們的少數人認為我們的腦海中有絕對的岩石。

"After our success, we felt like that was going to change."

“成功之後，我們覺得這將改變。”

Research by cryptocurrency exchange Independent Reserve estimates as many as 6.5 million Australians have invested in the volatile digital currencies.

加密貨幣交易所獨立儲備的研究估計多達650萬澳大利亞人投資於波動的數字貨幣。

The online trading platform said ownership rates among baby boomers had quadrupled over the past six years.

在線交易平台表示，在過去六年中，嬰兒潮一代的所有權率提高了三倍。

Its latest annual survey of 2,000 people found the number of Australians aged over 65 who had owned crypto increased to 8.2 per cent, albeit from a low base of 2 per cent in 2019.

它對2,000人的最新年度調查發現，擁有加密貨幣的65歲以上的澳大利亞人人數增加到8.2％，儘管2019年低2％。

The number of respondents with self-managed super funds who said they would like to invest in Bitcoin doubled during the same period.

自我管理的超級基金的受訪者人數表示，他們希望在同一時期投資比特幣的投資增加一倍。

Boom or bust

繁榮或胸圍

The price of Bitcoin — the oldest and most popular cryptocurrency — has increased from $5,000 in 2019 to about $170,000, with a series of booms and busts along the way.

比特幣的價格（最古老，最受歡迎的加密貨幣）已從2019年的5,000美元上升到約170,000美元，一路上有一系列的繁榮和蕭條。

Donald Trump was once a crypto sceptic. Now his re-election has sent the volatile price of Bitcoin sky-high.

唐納德·特朗普（Donald Trump）曾經是加密貨幣懷疑論者。現在，他的連任已經發出了比特幣高高的波動價格。

But despite its promise as a decentralised store of wealth that bypasses the big banks, it is rarely accepted as a payment method in the real world.

但是，儘管它是繞過大銀行的分散財富商店的承諾，但它很少被視為現實世界中的付款方式。

Some people have become rich but for every success story, there has been a cautionary tale. 

有些人變得富有，但對於每個成功故事，都有一個警示性的故事。

In the crypto world there is even a term for it: getting wrecked.

在加密世界中，甚至有一個術語：被破壞。

The Australian Securities and Investments Commission has classed cryptocurrency as a "very high-risk" investment.

澳大利亞證券和投資委員會已將加密貨幣歸類為“非常高風險”的投資。

ASIC commissioner Alan Kirkland said cryptocurrency was prone to crashes, making it a poorly suited investment for retirees who needed stability.

ASIC專員Alan Kirkland說，加密貨幣容易發生撞車事故，這是對需要穩定的退休人員的不合適的投資。

"You might get lucky but you might also lose a lot of money very fast," he said.

他說：“您可能會很幸運，但您可能也很快損失了很多錢。”

While most seniors were investing a modest amount, industry insiders said some pensioners were withdrawing from their super to bet on crypto.

雖然大多數老年人都在投資適度的數量，但行業內部人士說，一些退休金領取者正在從超級賭注中撤出加密貨幣。

Association of Superannuation Funds of Australia chief executive Mary Delahunty said fund managers conducted an "enormous" amount of due diligence and retail investors should do the same before they bought cryptocurrency.

澳大利亞養老金基金協會首席執行官瑪麗·德拉胡蒂（Mary Delahunty）表示，基金經理進行了“大量”的盡職調查，零售投資者在購買加密貨幣之前也應該這樣做。

"There have certainly been people who have been able to ride the cryptocurrency wave quite high and if they are happy with that risk then it can form part of a diversified portfolio," Ms Delahunty said.

Delahunty女士說：“當然，有些人能夠將加密貨幣浪潮很高，如果他們對這種風險感到滿意，那麼它可以成為多元化的投資組合的一部分。”

Cashed-up customers

現金客戶

Self-styled crypto coach Sydel Sierra runs an online consulting business that advises would-be investors, including Mr and Ms Sanders.

自稱的加密教練Sydel Sierra經營著一家在線諮詢業務，建議將成為桑德斯先生和女士在內的可能的投資者。

"It has a very low barrier to entry," she said.

她說：“進入的障礙非常低。”

"Anyone with a laptop or a computer and an internet connection can get involved."

“任何具有筆記本電腦或計算機和互聯網連接的人都可以參與其中。”

Businesses like Ms Sierra's that provide advice on cryptocurrency investments are not required to hold a financial services licence.

像Sierra女士這樣的企業提供有關加密貨幣投資的建議的企業不需要持有金融服務許可。

That is because cryptocurrency is not classified as a financial product under Australian law.

這是因為根據澳大利亞法律，加密貨幣未歸類為金融產品。

The 36-year-old said she surveyed her 700 clients and found a third were older than 60 and most retirees had heard about cryptocurrency from their adult children.

這位36歲的年輕人說，她調查了700名客戶，發現三分之一的年齡大於60歲，大多數退休人員聽說過成年子女的加密貨幣。

She said half her clients had at least $60,000 invested in crypto and 10 per cent had a portfolio of more than $300,000, and that figure was increasing.

她說，她的一半客戶至少投資了加密貨幣，而10％的客戶的投資組合超過30萬美元，而這一數字正在增加。

"Baby boomers and retirees are obviously looking at the types of gains [millennials] are getting and there's a bit of FOMO," Ms Sierra said.

塞拉女士說：“嬰兒潮一代和退休人員顯然正在研究[千禧一代]的收益類型，還有一些FOMO。”

"They want in."

“他們想要進來。”

Crypto wild west

加密野生西部

Cryptocurrencies are largely unregulated, which makes them fertile ground for fraud and scams.

加密貨幣在很大程度上不受監管，這使它們成為欺詐和騙局的沃土。

With no dedicated laws, ASIC has been left to regulate by enforcement of breaches of existing laws such as the Corporations Act.

由於沒有專門的法律，ASIC已被執行違反《公司法》等現有法律。

In the last financial year, the Australian Financial Complaints Authority received more than 200 complaints about cryptocurrency, but said it expected that number to rise in coming years with an increase in uptake.

在上一個財政年度，澳大利亞財務投訴當局收到了200多個有關加密貨幣的投訴，但表示預計隨著吸收的增加，未來幾年的數量將會增加。

Bitcoin and Ethereum are cryptocurrencies.(Reuters: Dado Ruvic)

比特幣和以太坊是加密貨幣。 （路透社：dado ruvic）

Australians reported losing $170 million to crypto scams in 2023, according to the Australian Federal Police, which said the money lost was rarely recovered.

據澳大利亞聯邦警察稱，澳大利亞人報告說，2023年損失了1.7億美元的加密騙子騙局，該澳大利亞聯邦警察說，損失的錢很少被追回。

Mr Kirkland said there was little recourse for people who fell victim to a dodgy operator.

柯克蘭先生說，對於那些成為狡猾的操作員受害者的人來說，幾乎沒有追索權。

"If something goes wrong you don't have the same consumer protections," he said.

他說：“如果出現問題，您將沒有相同的消費者保護。”

"[You don'

“ [你不