如何購買比特幣：初學者逐步指南

我的投資策略從來都不是非常複雜或華而不實。我通常堅持買指數基金。如果我感覺很瘋狂，我會到處投資一隻藍籌股。

I've been in the financial services industry for over a decade, and I've seen firsthand how people's relationships with money can evolve over time. Some people start out feeling completely lost, but with a little guidance and effort, they eventually become financially literate and empowered. Others may begin their journey with a strong understanding of personal finance, but as life throws them curveballs, they may find themselves struggling to stay afloat.

我在金融服務業工作了十多年，我親眼目睹了人們與金錢的關係如何隨著時間的推移而演變。有些人一開始感到完全迷失，但透過一點指導和努力，他們最終會具備財務知識並獲得權力。其他人可能在開始他們的旅程時對個人理財有深入的了解，但當生活給他們帶來麻煩時，他們可能會發現自己難以維持生計。

No matter where you are on your financial journey, there's always something new to learn. And that's why I'm excited to share this story with you — a story about how I, a financial journalist who had never owned bitcoin before, decided to finally take the plunge and invest in the world's most popular cryptocurrency.

無論您處於財務旅程的哪個階段，總有新的東西要學習。這就是為什麼我很高興與大家分享這個故事——這個故事講述的是我，一個以前從未擁有過比特幣的財經記者，如何決定最終冒險投資世界上最受歡迎的加密貨幣。

Throughout the story, I'll be sharing some of the valuable insights I gained from conversations with three financial experts, as well as my own experiences navigating the world of bitcoin investing. Whether you're a seasoned bitcoin investor or you're just starting to explore this exciting asset class, I hope you'll find something interesting and informative in this story.

在整個故事中，我將分享我從與三位金融專家的對話中獲得的一些寶貴見解，以及我自己在比特幣投資領域的經驗。無論您是經驗豐富的比特幣投資者，還是剛開始探索這個令人興奮的資產類別，我希望您能在這個故事中找到一些有趣且資訊豐富的內容。

So, without further ado, let's dive into the world of bitcoin investing together.

那麼，話不多說，讓我們一起深入了解比特幣投資的世界。

The decision to finally buy bitcoin

最後決定購買比特幣

As a financial journalist who covers personal finance, investing, and economics, I've been following the development of bitcoin and other cryptocurrencies closely for years. Despite my interest, I had never personally invested in bitcoin — until recently.

身為一名報道個人理財、投資和經濟學的財經記者，多年來我一直密切關注比特幣和其他加密貨幣的發展。儘管我很感興趣，但直到最近我才親自投資過比特幣。

Over the years, I've had many conversations with people about bitcoin, ranging from enthusiasts who believe it's the future of money to skeptics who believe it's a bubble waiting to burst. I've also heard from people who made (and lost) a lot of money quickly by trading bitcoin.

多年來，我與人們就比特幣進行了多次對話，其中包括相信比特幣是貨幣未來的狂熱者，以及認為比特幣是即將破裂的泡沫的懷疑論者。我還聽說有人透過交易比特幣很快就賺了（也賠了）很多錢。

While I found these stories interesting, they didn't ultimately convince me to buy bitcoin. What did convince me, however, was the increasing interest from large financial institutions and asset managers in bitcoin, especially postelection.

雖然我發現這些故事很有趣，但它們最終並沒有說服我購買比特幣。然而，令我信服的是大型金融機構和資產管理公司對比特幣的興趣日益濃厚，尤其是在選舉後。

For example, BlackRock, the world's biggest asset manager, recently suggested a bitcoin allocation within a multi-asset portfolio. Trilliondollar asset managers are throwing their support behind bitcoin, and bitcoin ETFs have taken off this year.

例如，全球最大的資產管理公司貝萊德最近建議在多元資產投資組合中配置比特幣。價值數兆美元的資產管理公司正在大力支持比特幣，比特幣 ETF 今年已經起飛。

To me, this signaled a growing acceptance of bitcoin as an asset class, and I decided there was no better way to determine if bitcoin was really the next big thing — or if Wall Street simply had FOMO — than by buying bitcoin firsthand.

對我來說，這表明人們越來越接受比特幣作為一種資產類別，而且我認為沒有比直接購買比特幣更好的方法來確定比特幣是否真的是下一個大事件，或者華爾街是否只是有FOMO。

With that, I set out to learn how to buy bitcoin and decided to ask three financial experts for some guidance. I spoke with John Haar, managing director at the bitcoin services firm Swan Bitcoin; Robert Cannon, a financial advisor at Experity Wealth; and David Laut, chief investment officer at Abound Financial.

就這樣，我開始學習如何購買比特幣，並決定向三位金融專家尋求一些指導。我採訪了比特幣服務公司 Swan Bitcoin 的董事總經理約翰‧哈爾 (John Haar)。 Robert Cannon，Experity Wealth 的財務顧問； David Laut，Abound Financial 首席投資長。

Together, they provided me with a comprehensive overview of the different ways to invest in bitcoin, the factors to consider when determining a portfolio weight, and the risks and potential rewards of bitcoin investing.

他們共同為我提供了關於投資比特幣的不同方式、確定投資組合權重時要考慮的因素以及比特幣投資的風險和潛在回報的全面概述。

Here's a summary of my conversation with each expert, along with some of the key takeaways I gleaned from their insights.

以下是我與每位專家的對話摘要，以及我從他們的見解中收集到的一些關鍵要點。

John Haar on dollar cost averaging

約翰·哈爾 (John Haar) 談美元成本平均法

One of the first questions I had was whether it was a smart choice to buy bitcoin after the price had already run up so much.

我的第一個問題是，在比特幣價格已經上漲這麼多之後，購買比特幣是否是一個明智的選擇。

Haar gave me an analogy that I found helpful. "If someone said 'Am I too late to bitcoin?' my answer would be 'Do you think you're too late to buying real estate or the S&P 500?'"

哈爾給了我一個我認為很有幫助的類比。 “如果有人說‘我接觸比特幣是不是太晚了？’我的回答是‘你認為購買房地產或標準普爾 500 指數為時已晚嗎？

He explained that if an asset is a good storer of value, then it's going to appreciate over time and there isn't really a concept of being too late to it.

他解釋說，如果資產是良好的價值儲存手段，那麼它會隨著時間的推移而升值，而且不存在為時已晚的概念。

Of course, bitcoin is a unique asset, and its price has experienced some wild fluctuations over the years. But Haar's analogy still provides a useful framework for thinking about the long-term potential of an asset like bitcoin.

當然，比特幣是一種獨特的資產，多年來其價格經歷了一些劇烈的波動。但哈爾的類比仍然為思考比特幣等資產的長期潛力提供了一個有用的框架。

I also asked Haar for his advice on how to determine a portfolio weight for bitcoin. He told me that he personally recommends his clients keep a 5% allocation to a combination of gold and bitcoin if they're looking for a more aggressive investing style.

我也向 Haar 詢問如何確定比特幣投資組合權重的建議。他告訴我，如果他的客戶正在尋找更積極的投資方式，他個人建議他們將 5% 的配置保留在黃金和比特幣的組合上。

The reason for this is because these assets aren't typically correlated with the performance of the stock market, Haar explained.

哈爾解釋說，這是因為這些資產通常與股市表現無關。

David Laut on inflation hedges

大衛勞特談通膨對沖

Laut also mentioned that he's seen people use bitcoin as an inflation hedge in their portfolios, which is something I hadn't considered before.

Laut 也提到，他看到人們在投資組合中使用比特幣作為通膨對沖工具，這是我之前沒有考慮過的。

Cannon also mentioned that some people use bitcoin as an inflation hedge, but he added that it ultimately depends on your risk tolerance. He's advised clients with anything between 1-10% of their portfolio in bitcoin.

Cannon也提到，有些人使用比特幣作為通膨對沖，但他補充說，這最終取決於你的風險承受能力。他為客戶提供了比特幣投資組合佔其投資組合 1-10% 的建議。

Robert Cannon on the importance of risk tolerance

羅伯特·坎農談風險承受能力的重要性

When I asked Cannon for his advice on how to determine a portfolio weight for bitcoin, he told me that it really depends on the individual's risk tolerance and financial goals.

當我向 Cannon 詢問如何確定比特幣投資組合權重時，他告訴我，這實際上取決於個人的風險承受能力和財務目標。

Cannon has clients with anywhere from 1-10%

Cannon 的客戶比例從 1% 到 10% 不等