如何投资比特币：初学者指南

尽管比特币最初被设想为一种支付技术，但如今大多数人认为它是一种投资资产——可以储蓄的东西

Bitcoin began as a technology for payments, but today most people use it as an investment asset. You can save in a Bitcoin IRA or add it to your portfolio as an alternative asset to hedge against inflation or diversify your investments. Bitcoin has experienced astronomical growth and has outpaced recent gains on major stock market indices, making it an attractive alternative.

比特币最初是一种支付技术，但如今大多数人将其用作投资资产。您可以存入比特币 IRA 或将其作为替代资产添加到您的投资组合中，以对冲通货膨胀或实现投资多元化。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。

Compared to blue chip stocks like Pfizer, Nike, or Nestle, Bitcoin is quite young. It was launched in 2009, and its price has skyrocketed. In 2010, Laszlo Hanyecz, a software developer and an early believer in Bitcoin’s value, famously paid 10,000 Bitcoins for pizza. Today, those coins would be worth over $580 million.

与辉瑞、耐克或雀巢等蓝筹股相比，比特币还相当年轻。它于2009年推出，价格一路飙升。 2010 年，软件开发人员、比特币价值的早期信徒 Laszlo Hanyecz 因支付 10,000 比特币购买披萨而闻名。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’s prices rise and fall for a variety 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的原因有多种。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：

New cryptocurrency regulations from different government agencies or countries can impact the price of Bitcoin and other digital assets. For example, if the U.S. decides to crack down on cryptocurrency mining operations, it could drive up the price of Bitcoin. On the other hand, if another country decides to ban cryptocurrency use, it could cause the price of Bitcoin to drop.

不同政府机构或国家的新加密货币法规可能会影响比特币和其他数字资产的价格。例如，如果美国决定打击加密货币挖矿业务，可能会推高比特币的价格。另一方面，如果另一个国家决定禁止加密货币的使用，可能会导致比特币的价格下跌。

The performance of other cryptocurrencies can also affect Bitcoin’s price. For example, if Ethereum experiences a bull run and sees astronomical growth, it could drive up the price of Bitcoin as well. This is because many people view Bitcoin as the “gold standard” of cryptocurrencies, and they believe that if other digital assets are performing well, then Bitcoin should also see some gains.

其他加密货币的表现也会影响比特币的价格。例如，如果以太坊经历牛市并出现天文数字增长，它也可能会推高比特币的价格。这是因为许多人将比特币视为加密货币的“黄金标准”，他们认为，如果其他数字资产表现良好，那么比特币也应该会看到一些收益。

World events and economic conditions can also impact the price of Bitcoin. For example, during the COVID-19 pandemic, the price of Bitcoin experienced some volatility. As the economy recovered and people began to feel more optimistic about the future, the price of Bitcoin also rose.

世界事件和经济状况也会影响比特币的价格。例如，在 COVID-19 大流行期间，比特币的价格经历了一些波动。随着经济复苏，人们开始对未来感到更加乐观，比特币的价格也随之上涨。

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

One of the most popular ways to invest in cryptocurrency is to buy Bitcoin directly. You can do this by opening an account with a cryptocurrency exchange. Once your account is created, you can sync it with your bank account and use your money to buy Bitcoin.

投资加密货币最流行的方式之一是直接购买比特币。您可以通过在加密货币交易所开设账户来做到这一点。创建帐户后，您可以将其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。

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。”

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

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。当决定投资哪里时