深入加密货币投资的六种方法

近年来，多种加密货币都带来了出色的回报，其中使用最广泛的数字货币比特币在过去一年中增长了 156%（美元）。这种诱人的前景吸引了新的投资者。

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.

近年来，多种加密货币都带来了出色的回报，例如，使用最广泛的数字货币比特币在过去一年中经历了 156% 的增长（美元），这种前景吸引了新的投资者。

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，消费者权益倡导者建议在涉足加密货币时要谨慎。消费者咨询服务 Finanztip 的金融投资专家 Hendrik Buhrs 警告说：“只有那些经济状况良好的人才应该考虑投资加密货币。这些加密货币只适合作为补充。”这种谨慎是由于传统投资平台缺乏安全措施。加密货币是一项高风险的尝试。

Step 2: Opt for a Platform

第 2 步：选择平台

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.

除了实物投资硬币外，另一种选择是间接投资。这可以通过购买反映加密货币的证券来实现。在美国，ETF（即股票交易所交易指数基金）已获批准用于比特币和以太坊。不幸的是，这些金融产品无法在德国提供，只能使用 ETN 或跟踪相应货币价格发展的证券交易所交易证券。

"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 的市场分析师兼加密货币专家 Timo Emden 表示：“对于那些只关注价格上涨的人来说，ETN 就足够了。” ETN 的优点是投资者可以将其转移到证券账户中，而无需担心区块链或代币私钥的安全存储（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，一些投资者重视加密货币的基本原则——比如去中心化和缺乏任何中央权威，在这种情况下，埃姆登建议直接购买加密货币。费用也是一个因素，因为它们适用于 ETN，但不适用于代币本身。

Step 3: Select a Coin

第 3 步：选择硬币

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.

市场上有数千种加密货币，选择投资哪一种对于新投资者来说可能是一项挑战。虽然应谨慎对待短期炒作的较小货币，但建议阅读特定货币的白皮书或“招股说明书”。本文件概述了货币背后的核心本质。埃姆登建议在做出决定之前了解其背景。

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.

代币过去的表现不应影响决策。相反，主要重点应该放在理解每种货币背后的独特特征和重要性上。

Step 4: Select a Trading Platform

第四步：选择交易平台

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.

许多交易平台提供比特币和其他加密货币。有些经纪商专门在加密货币领域成名，而另一些经纪商（如传统经纪商）也促进加密货币交易。对于大多数投资者来说，获得流行代币比平台上的选择范围更重要。德国客服也推荐。如果遇到麻烦，这可能是非常宝贵的帮助。

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.

德国金融服务监管机构 BaFin 现已向加密货币托管机构颁发许可证。 BaFin 网站上提供了这些经过验证的公司的列表。提供商声誉和监管状况的透明度对于确保安全至关重要。

Step 5: Decide on the Investment Amount

第五步：决定投资金额

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.

对于不太受欢迎的加密货币，大多数人可能不可能买得起整枚硬币，但拥有碎片是一种选择。布尔斯建议首先进行小额投资练习。如果不确定特定货币，请在交易平台上购买时设置预定阈值以限制潜在损失。

Step 6: Ensure Secure Storage

第 6 步：确保安全存储

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.

为了安全地存储数字货币，拥有一个“钱包”是必不可少的。这个虚拟银行单元持有访问硬币所需的私钥（私钥）。当您拥有密钥时，就可以保证您拥有加密货币。这需要承担管理您的代币的责任。

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.

如果您不想自己处理这方面的问题，许多交易平台都提供存储您的代币的服务。布尔斯强调考虑存储方法以确保最大安全性的重要性。然而，对于那些想要维护主权的人来说，拥有并保护你的私钥是首选。

"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.

“投资加密货币不是胆小者的任务”是普遍共识。事情可能会发生巨大、迅速的变化——这是跟上市场趋势并对加密货币有深入了解的一个很好的理由。通过不断评估您的数字资产来多样化和管理您的投资组合可能会增加您度过不可避免的高潮和低谷的机会。您不仅应该进行研究，还应该寻求专家的建议。最后，在投资方面保持谨慎——独立的批判性思维至关重要。了解和分析各种货币的未来、技术进步的潜力以及可能影响加密货币未来的社会变化至关重要。

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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护您的加密货币，其中最流行的是硬件钱包和纸钱包。 “硬钱包”是存储密钥的 USB 记忆棒的一个示例。对于“纸钱包”，投资者将他们的访问权限写在一张纸上。 “我会选择硬件钱包，它有着良好的记录，”埃姆登建议。然而，每个人都有自己的偏好，没有正确或错误的选择。关键是要保持