如何投资比特币：初学者指南

比特币最初被设想为一种支付技术。然而如今，大多数人认为它是一种投资资产——可以存入比特币 IRA 的东西

Bitcoin was first created as a payment technology, but today, most people see it as an investment asset—something to save in a Bitcoin IRA, for example.

比特币最初是作为一种支付技术而创建的，但如今，大多数人将其视为一种投资资产，例如可以存入比特币 IRA 的资产。

As a decentralized, digital asset, the top cryptocurrency is a popular investment option for people who want to add alternative assets to their portfolios. Many find cryptocurrency appealing as a hedge against inflation or as a way to better diversify their investments. Bitcoin has experienced astronomical growth and has outpaced recent gains on major stock market indices, making it an attractive alternative. 

作为一种去中心化的数字资产，顶级加密货币对于想要在投资组合中添加另类资产的人们来说是一种流行的投资选择。许多人发现加密货币作为对冲通胀或更好地实现投资多元化的一种方式很有吸引力。比特币经历了天文数字的增长，并且超过了主要股市指数近期的涨幅，使其成为一个有吸引力的替代品。

Historical price of Bitcoin

比特币历史价格

Bitcoin is relatively young, especially in comparison to blue chip stocks like Pfizer, Nike, or Nestle. It was launched in 2009, and its price has skyrocketed. 

比特币相对年轻，尤其是与辉瑞、耐克或雀巢等蓝筹股相比。它于2009年推出，价格一路飙升。

In 2010, Laszlo Hanyecz, a software developer and an early believer in Bitcoin’s value, paid 10,000 Bitcoins for pizza. Today, those coins would be worth over $580 million. 

2010 年，软件开发人员、比特币价值的早期信徒 Laszlo Hanyecz 支付了 10,000 比特币购买披萨。如今，这些硬币的价值将超过 5.8 亿美元。

Since then, Bitcoin’s price has continued to climb. At the beginning of 2024, its price was $44,187. By March 2024, its price reached its highest level ever, surpassing $73,079. 

此后，比特币的价格持续攀升。 2024年初，其价格为44,187美元。到 2024 年 3 月，其价格达到历史最高水平，超过 73,079 美元。

“The potential benefits of investing in crypto are potentially higher returns than a more traditional stock and bond portfolio may yield on its own,” said Drew Feutz, a certified financial planner (CFP) with Migration Wealth Management. 

移民财富管理公司的注册财务规划师 (CFP) 德鲁·福茨 (Drew Feutz) 表示：“投资加密货币的潜在好处是，其回报可能比更传统的股票和债券投资组合本身更高。”

However, Bitcoin often experiences price fluctuations and dips. As of September 2024, its price had dropped to about $58,000. 

然而，比特币的价格经常会出现波动和下跌。截至2024年9月，其价格已降至约58,000美元。

Bitcoin price is influenced by various factors 

比特币价格受多种因素影响

Bitcoin’s prices rise and fall for a number of reasons. While the price of stocks can fluctuate based on company performance or industry news, Bitcoin is affected by other factors:

比特币的价格上涨和下跌有多种原因。虽然股票价格可能会根据公司业绩或行业新闻而波动，但比特币还受到其他因素的影响：

How to invest in Bitcoin

如何投资比特币

Investing in Bitcoin can take different forms.

投资比特币可以采取不同的形式。

Buy Bitcoin directly through a cryptocurrency exchange

直接通过加密货币交易所购买比特币

Buying Bitcoin directly is one of the most popular ways to invest in cryptocurrency. You can buy Bitcoin by opening an account with a cryptocurrency exchange. You can sync the account with your bank account and use your money to buy Bitcoin. 

直接购买比特币是投资加密货币最流行的方式之一。您可以通过在加密货币交易所开设账户来购买比特币。您可以将该帐户与您的银行帐户同步并用您的钱购买比特币。

Invest in a Bitcoin IRA

投资比特币 IRA

Another way to invest in Bitcoin is to open a Bitcoin IRA. A Bitcoin IRA is a tax-advantaged retirement account that allows you to invest in Bitcoin and other cryptocurrencies. Bitcoin IRAs have the same tax benefits and contribution limits as traditional or Roth IRAs, but you can invest in alternative assets. 

投资比特币的另一种方式是开设比特币 IRA。比特币 IRA 是一个税收优惠的退休账户，允许您投资比特币和其他加密货币。比特币 IRA 与传统 IRA 或 Roth IRA 具有相同的税收优惠和缴款限额，但您可以投资另类资产。

Consider cryptocurrency ETFs

考虑加密货币 ETF

A relatively new way to invest in Bitcoin is through a crypto exchange-traded fund (ETF). With these ETFs, you don’t directly own Bitcoin, but the performance of the ETF will reflect Bitcoin’s performance. 

投资比特币的一种相对较新的方式是通过加密货币交易所交易基金（ETF）。有了这些 ETF，您并不直接拥有比特币，但 ETF 的表现将反映比特币的表现。

Crypto ETFs allow you to buy and sell shares through an investment brokerage account, without the need to worry about storage for cryptocurrency or opening a separate cryptocurrency exchange account. 

加密货币 ETF 允许您通过投资经纪账户买卖股票，无需担心加密货币的存储或开设单独的加密货币交易账户。

Invest in cryptocurrency-related stocks

投资加密货币相关股票

For those wary of investing directly in Bitcoin, another option is to invest in cryptocurrency-focused stocks. Potential options include publicly traded cryptocurrency exchanges, technology firms, and payment processors; these companies may use Bitcoin or use it in their operations, so you’ll indirectly benefit from Bitcoin’s performance. 

对于那些对直接投资比特币持谨慎态度的人来说，另一种选择是投资以加密货币为重点的股票。潜在的选择包括公开交易的加密货币交易所、技术公司和支付处理商；这些公司可能会使用比特币或在其运营中使用比特币，因此您将间接受益于比特币的表现。

Is it a good time to invest in Bitcoin?

现在是投资比特币的好时机吗？

Bitcoin is still a relatively new asset, but it has displayed impressive past performance, and more and more companies are using it or accepting it as a payment method. As Bitcoin becomes more established, it may experience fewer fluctuations in price too. 

比特币仍然是一种相对较新的资产，但它过去的表现令人印象深刻，越来越多的公司正在使用它或接受它作为支付方式。随着比特币变得更加成熟，它的价格波动也可能会减少。

“Bitcoin’s price volatility is steadily decreasing over the years,” said Brady Swenson, co-founder and head of product marketing at Swan Bitcoin. “As a far more liquid asset, its price volatility is lower than relatively illiquid cryptos.”

Swan Bitcoin 联合创始人兼产品营销主管 Brady Swenson 表示：“多年来，比特币的价格波动性正在稳步下降。” “作为一种流动性更强的资产，其价格波动性低于流动性相对较差的加密货币。”

If you plan on holding onto your investment for the long haul, investing money into Bitcoin could be a good choice. 

如果您打算长期持有投资，那么将资金投资于比特币可能是一个不错的选择。

“It’s always a good time to invest in Bitcoin with a long-time horizon, [such as] 10 or more years,” said Swenson. “Cryptos are for gambling, not investing.”

“现在是长期投资比特币的好时机，例如 10 年或更长，”Swenson 说。 “加密货币是用来赌博的，而不是用来投资的。”

Current cryptocurrency prices

当前的加密货币价格

Although Bitcoin is the most well-known cryptocurrency, it’s not the only investment option you have. When deciding where to invest your money, consider these alternatives: 

尽管比特币是最知名的加密货币，但它并不是您唯一的投资选择。在决定将钱投资到哪里时，请考虑以下选择：

The takeaway 

外卖

Despite some severe dips, Bitcoin’s performance has been impressive. Over the past 15 years, Bitcoin’s price has skyrocketed and, as companies adapt to the technology and it’s a more commonly accepted payment method, there’s the potential for even more growth. 

尽管出现了一些严重下滑，但比特币的表现仍然令人印象深刻。在过去 15 年里，比特币的价格一路飙升，随着公司适应这项技术并且它成为一种更普遍接受的支付方式，比特币还有进一步增长的潜力。

However, cryptocurrencies like Bitcoin can be volatile and risky. Since Bitcoin is so new, it’s hard to gauge how it will truly perform over the long term. Only invest what you don’t need in the short term and diversify your portfolio so that the performance of your other

然而，像比特币这样的加密货币可能会波动且存在风险。由于比特币是如此新，很难衡量它的长期表现如何。只投资短期内不需要的东西，并使您的投资组合多样化，以便您的其他投资的表现