加密退休：针对比特币和其他数字资产的3倍回报

对于退休的老年人来说，有时的建议是减少您接触风险的资产以保留巢鸡蛋。但是，如果您的巢蛋已经被摧毁了，您需要一种高风险/高回报方法才能使其在几年的时间内使其全部恢复，以便您可以舒适地退休？

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

对于退休的老年人来说，有时的建议是减少您对风险资产的接触并保留巢蛋。

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，如果您的巢蛋已经被摧毁了，您需要一种高风险/高回报方法才能使其在几年的时间内使其全部恢复，以便您可以舒适地退休？

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.

这不是一个胆小者的策略 - 如果突然撞到一个长时间的熊市，这很容易出错，但是一些加密货币投资者将其视为他们的最后，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顾问和前银行家Rod Tasker说：“我认为您的风险胃口必须非常极端，才能将所有鸡蛋放在任何一个篮子里，尤其是如果这是像加密货币这样的波动性资产。”

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.

悉尼项目经理Alex P.在失去了他在Cellapse的大部分股份后，试图再次建立退休，这是一家风险的加密货币借出的风险投资，将其作为一个安全的，类似银行的平台，提供了对加密储蓄账户的异常浓厚的兴趣。

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.

这位52岁的年轻人告诉杂志，他将全家人的所有资金投入了摄氏，并在那里转换了他的自我管理的超级基金（SMSF） - 这相当于澳大利亚人等于自我指导的个人退休帐户（IRA）。他80岁的母亲看到了他从平台上获得的兴趣，并将退休储蓄投资于摄氏摄氏。

“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.”

他说：“我完全喝了那个生意的库尔德援助，所以我在那里大部分加密货币。” “您可以从本质上拥有财务自由，有一天退休，然后靠收入生活，这就是我们所做的。”

Celsius crypto retirement dream turns into a nightmare

Celsius Crypto退休的梦想变成了一场噩梦

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.

一段时间以来，一家人都在实现梦想，亚历克斯和他的妻子在2021年辞去了工作，以靠自己的投资支付的收益。

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，梦想变成了一场噩梦。实际上，“利息”是从其他用户的帐户中支付的，该计划在2022年中期倒塌。亚历克斯不仅损失了大部分资金，而且他仍然不得不为获得的收入支付未偿还的40万美元税单。

“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.”

“我把太多的鸡蛋放在Celsius Network篮子里。因此，基本上，我几乎失去了家庭住宅。我的妈妈投资了。我投资了。所以说这是灾难性的破坏，这是一种轻描淡写。”

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

他补充说：“我花了很多时间不去'最近的桥？'”

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.

战斗两年后，他们收到了通过破产分配投资的加密货币的25％。亚历克斯（Alex）责怪自己，而不是加密行业，他决心将其归还。

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，他的所有可用资金都已重新投资于比特币和其他加密资产，包括他的SMSF退休帐户。他还试图为妈妈的25％投资组合恢复生活，并每年花费约15,000美元，以在Crypto Education Offic Outfit集体转变中获得建议。

“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.

他说：“从本质上讲，现在，这只是一个试图在SMSF中选择正确的资产的问题，对加密货币资产的风险有些风险，以便尝试再次建立它。”

“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.”

“虽然有了个人投资组合，但我试图对此冒着较小的风险，因为显然，我的风险太多了，无法承担太多的风险。”

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

另请阅读：婴儿潮一代价值$ 79T终于加入了比特币

Finance professionals advise against going all in on crypto retirement

金融专业人士建议不要全力参与加密退休

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.

哈德逊金融合作伙伴董事总经理胡安妮塔·雷恩（Juanita Wrenn）表示，由于监管原因，该公司无法直接向客户推荐加密货币，但他们建议已经在退休资金中拥有它的客户“将加密货币敞口以总余额的2-5％限制。

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

“这足以从上升空间中受益，但不足以造成灾难性的损失。”

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

她说，试图快速赚很多钱以舒适地退休是可以理解的，但很冒险。

“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.”

“这是最充满情感的场景，也是人们最想冒险冒险的场景。但这是事实：在游戏后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.

澳大利亚人很幸运，即使是一个谦虚的退休帐户（大约314,000美元（205,000美元）的最佳位置）也可以与政府的年龄退休金相结合时提供舒适的退休。

“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.”

“诸如加密货币之类的投机赌注通常比看起来更危险。即使是一个谦虚，结构良好的投资组合（与年龄养老金的应有的权利配对）也可以提供安全和安心。”

Also read: Retire early with crypto?

另请阅读：提早退休加密？