认识可能成为增长趋势的一部分的79岁的比特币投资者

这对夫妇可能是少数澳大利亚越来越多的澳大利亚高级人士的一部分，这些澳大利亚人求助于加密货币，以提高他们的退休储蓄。

Terry and Justine Sanders are not your typical cryptocurrency investors.

特里（Terry）和贾斯汀·桑德斯（Justine Sanders）不是您典型的加密货币投资者。

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来越多的澳大利亚高级人士的一部分，这些澳大利亚高级人士转向加密货币，以增加他们的退休储蓄。

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

这对夫妇都在70年代后期说，他们在2019年购买了价值48,000美元的比特币。

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

他们说，他们在四年后兑现后赚了将近一百万美元，桑德斯女士说，这改变了他们的生活。

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

这位79岁的年轻人说：“我们不会告诉大多数我们的年龄人我们正在做加密。”

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

“我们告诉我们的少数人认为我们的脑海中有绝对的岩石。

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

“成功之后，我们觉得这将改变。”

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

加密货币交易所独立储备的研究估计多达650万澳大利亚人投资于波动的数字货币。

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

在线交易平台表示，在过去六年中，婴儿潮一代的所有权率提高了三倍。

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.

它对2,000人的最新年度调查发现，拥有加密货币的65岁以上的澳大利亚人人数增加到8.2％，尽管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.

自我管理的超级基金的受访者人数表示，他们希望在同一时期投资比特币的投资增加一倍。

Boom or bust

繁荣或胸围

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.

比特币的价格（最古老，最受欢迎的加密货币）已从2019年的5,000美元上升到约170,000美元，一路上有一系列的繁荣和萧条。

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

唐纳德·特朗普（Donald Trump）曾经是加密货币怀疑论者。现在，他的连任已经发出了比特币高高的波动价格。

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，尽管它是绕过大银行的分散财富商店的承诺，但它很少被视为现实世界中的付款方式。

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

有些人变得富有，但对于每个成功故事，都有一个警示性的故事。

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

在加密世界中，甚至有一个术语：被破坏。

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

澳大利亚证券和投资委员会已将加密货币归类为“非常高风险”的投资。

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

ASIC专员Alan Kirkland说，加密货币容易发生撞车事故，这是对需要稳定的退休人员的不合适的投资。

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

他说：“您可能会很幸运，但您可能也很快损失了很多钱。”

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

虽然大多数老年人都在投资适度的数量，但行业内部人士说，一些退休金领取者正在从超级赌注中撤出加密货币。

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.

澳大利亚养老金基金协会首席执行官玛丽·德拉胡蒂（Mary Delahunty）表示，基金经理进行了“大量”的尽职调查，零售投资者在购买加密货币之前也应该这样做。

"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女士说：“当然，有些人能够将加密货币浪潮很高，如果他们对这种风险感到满意，那么它可以成为多元化的投资组合的一部分。”

Cashed-up customers

现金客户

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

自称的加密教练Sydel Sierra经营着一家在线咨询业务，建议将成为桑德斯先生和女士在内的可能的投资者。

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

她说：“进入的障碍非常低。”

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

“任何具有笔记本电脑或计算机和互联网连接的人都可以参与其中。”

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

像Sierra女士这样的企业提供有关加密货币投资的建议的企业不需要持有金融服务许可。

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

这是因为根据澳大利亚法律，加密货币未归类为金融产品。

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.

这位36岁的年轻人说，她调查了700名客户，发现三分之一的年龄大于60岁，大多数退休人员听说过成年子女的加密货币。

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.

她说，她的一半客户至少投资了加密货币，而10％的客户的投资组合超过30万美元，而这一数字正在增加。

"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.

塞拉女士说：“婴儿潮一代和退休人员显然正在研究[千禧一代]的收益类型，还有一些FOMO。”

"They want in."

“他们想要进来。”

Crypto wild west

加密野生西部

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

加密货币在很大程度上不受监管，这使它们成为欺诈和骗局的沃土。

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

由于没有专门的法律，ASIC已被执行违反《公司法》等现有法律。

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.

在上一个财政年度，澳大利亚财务投诉当局收到了200多个有关加密货币的投诉，但表示预计随着吸收的增加，未来几年的数量将会增加。

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

比特币和以太坊是加密货币。（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.

据澳大利亚联邦警察称，澳大利亚人报告说，2023年损失了1.7亿美元的加密骗子骗局，该澳大利亚联邦警察说，损失的钱很少被追回。

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

柯克兰先生说，对于那些成为狡猾的操作员受害者的人来说，几乎没有追索权。

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

他说：“如果出现问题，您将没有相同的消费者保护。”

"[You don'

“ [你不