最近的比特幣飆升讓不願採用比特幣和其他數位資產的個人理財顧問措手不及

幾位金融專家和分析師表示，一些顧問仍然反對他們的客戶涉足加密貨幣領域。

As the recent Bitcoin (BTC) surge continues to surprise personal finance advisors who have been unwilling to adopt Bitcoin and other digital assets, several finance experts and analysts are revealing that some advisors are still against their clients entering the crypto sector.

隨著最近比特幣（BTC）的飆升繼續讓那些不願採用比特幣和其他數位資產的個人理財顧問感到驚訝，一些金融專家和分析師透露，一些顧問仍然反對他們的客戶進入加密貨幣領域。

However, a research carried out by Cerulli Associates in July showed that out of 1,500 financial planners, only 2.6% told their clients about crypto, while only 13.7% had ever used crypto with their clients. According to records, these advisors are also noted to be vehemently against anything related to the crypto space and are unwilling to provide it to clients who ask. But their unwillingness to provide crypto may cause problems in the industry. This is due to the demand for Bitcoin and other assets because of their performances, and advisors who refuse to recommend it may risk losing clients.

然而，Cerulli Associates 在 7 月進行的一項研究顯示，在 1,500 名理財規劃師中，只有 2.6% 的人向客戶介紹過加密貨幣，而只有 13.7% 的人曾與客戶一起使用過加密貨幣。根據記錄，這些顧問也強烈反對與加密貨幣領域相關的任何事情，並且不願意向提出要求的客戶提供這些資訊。但他們不願意提供加密貨幣可能會導致產業出現問題。這是由於比特幣和其他資產因其表現而受到需求，而拒絕推薦的顧問可能會面臨失去客戶的風險。

Financial advisors discuss Bitcoin’s potentialAccording to financial advisors, the adoption of Bitcoin has increased in the industry. This is because there are as many advisors willing to introduce their clients to Bitcoin, as they are those hesitant about it. “If you’re an advisor that is not able to offer it and not able to talk about it, then they might seek somebody willing to,” associate director of products at Cerulli Associates Matt Apkarian said.

財務顧問討論比特幣的潛力 據財務顧問稱，比特幣在行業中的採用有所增加。這是因為願意向客戶介紹比特幣的顧問數量與猶豫不決的顧問數量一樣多。 Cerulli Associates 產品副總監 Matt Apkarian 表示：“如果你是顧問，無法提供這些服務，也無法談論它，那麼他們可能會尋找願意提供服務的人。”

One reason why advisors might be wary about introducing crypto is because of its real-world utility concerns. According to Apkarian, there are still advisors who view cryptocurrencies as a Ponzi scheme and they feel the assets may return to zero in the long run. He feels that way because of the most common answer to a survey question carried out by Cerulli Associates in 2023. When asked why they would not pitch crypto to their clients, their most common answer was that they do not need to add it to portfolios.

顧問可能對引入加密貨幣持謹慎態度的原因之一是考慮到它在現實世界中的效用。 Apkarian 表示，仍有顧問將加密貨幣視為龐氏騙局，他們認為從長遠來看資產可能會歸零。他之所以有這種感覺，是因為Cerulli Associates 在2023 年進行的一項調查問題中最常見的答案。需要將其添加到投資組合中。

Retail interest predicted to trigger adoptionThe consensus is that retail trading of these assets has contributed to its present surge, but there is an increase in advisors keen on bringing it to their clients. There has also been increased interest on the part of the clients, fueled by the recent market-wide surge. With digital assets no longer seen as alternative investment tools, the idea behind decentralization appeals to more clients than before.

零售興趣預計將引發採用 共識是，這些資產的零售交易促成了目前的激增，但越來越多的顧問熱衷於將其帶給客戶。在最近市場範圍內的飆升的推動下，客戶的興趣也有所增加。隨著數位資產不再被視為另類投資工具，去中心化背後的理念比以前吸引了更多的客戶。

There has also been an uptick in retail adoption since the election day. Although these metrics cannot be measured, indicators like Google searches and app usage have increased since the period. According to financial planner Theresa Morrison, the recent surge cannot be attributed to only the retail traders, it is where the interest in these assets begins.

自選舉日以來，零售採用率也有所上升。儘管這些指標無法衡量，但Google搜尋和應用程式使用等指標自該時期以來有所增加。理財規劃師特蕾莎·莫里森表示，最近的飆升不能僅僅歸因於零售交易員，而是對這些資產的興趣開始的地方。

However, there is still a long way for retail interest to trigger adoption on a wider scale. Most financial planners are part of larger organizations with policies against discussing or introducing crypto to clients. In August, Morgan Stanley permitted its advisors to spot Bitcoin ETF investments to clients with a net worth of over $1.5 million.

然而，零售興趣要引發更廣泛的採用還有很長的路要走。大多數財務規劃師都是大型組織的一部分，其政策禁止向客戶討論或介紹加密貨幣。 8 月，摩根士丹利允許其顧問向淨資產超過 150 萬美元的客戶進行比特幣 ETF 投資。

With the recent demand for Bitcoin from clients, most advisors are looking in the way of the asset. According to Charles Zhang of Zhang Financials, Bitcoin has some potential. Zhang was ranked by Barron as the top wealth advisor in the United States in the last two years. However, he noted that it is what he feels and not financial advice. Zhang said that clients with more than $1 million may take the risk and invest 1% in Bitcoin, noting the need to avoid other digital assets.

隨著最近客戶對比特幣的需求，大多數顧問都在尋找這種資產。張金融的張朝陽表示，比特幣具有一定的潛力。張先生連續兩年被《巴倫周刊》評為美國頂級財富顧問。然而，他指出，這是他的感受，而不是財務建議。張表示，資產超過 100 萬美元的客戶可以承擔風險，將 1% 投資於比特幣，並指出需要避免其他數位資產。