什麼是加密ira？它如何工作以及在投資之前要知道什麼

Crypto IRA是為高級交易者而設計的，他們旨在通過利用區塊鏈技術來增加退休儲蓄。同樣的貢獻限制，稅收優惠和提款規則適用於加密IRA，作為傳統和羅斯IRA。

A crypto IRA, often called a bitcoin IRA, is a specialized self-directed retirement account designed to hold cryptocurrencies like bitcoin and altcoins. These accounts offer greater portfolio diversification, tax advantages, and the potential for high growth over the long term.

一個加密IRA，通常稱為比特幣IRA，是一個專門的自我指導的退休帳戶，旨在持有比特幣和山寨幣等加密貨幣。這些帳戶提供了更大的投資組合多元化，稅收優勢以及長期增長的潛力。

Traditional banks and brokerages don't offer crypto-specific IRAs. Instead, bitcoin IRAs and similar crypto-backed accounts are available through specialized custodians, including some of the best cryptocurrency exchanges.

傳統銀行和經紀公司不提供特定於加密的IRA。取而代之的是，比特幣IRA和類似的加密支持帳戶可通過專門的託管人（包括一些最佳的加密貨幣交易所）獲得。

The best bitcoin IRAs are highly secure platforms with low trading fees, quality custom support, cold-wallet storage, and a user-friendly interface. Management and trading fees can be quite high with crypto IRAs.

最好的比特幣IRA是高度安全的平台，其交易費用低，高質量的自定義支持，冷藏零售存儲和用戶友好的界面。 Crypto IRAS的管理和交易費用可能很高。

If you already have a well-funded and diversified retirement portfolio and are looking to open a crypto IRA, you stay informed on current regulatory rules and requirements involving cryptocurrency and blockchain trading.

如果您已經擁有大量資金且多元化的退休產品組合，並且正在尋求打開Crypto IRA，那麼您就可以了解涉及加密貨幣和區塊鏈交易的當前監管規則和要求。

Open a bitcoin IRA with BitcoinIRA and earn a $150 reward while you save for retirement. Available for IRA Rollovers, Roth, SEP, Employer Plan 401(k)s and new or existing Traditional IRAs.

用比特幣開設一個比特幣IRA，並在退休後賺取150美元的獎勵。可用於IRA翻車，羅斯，9月，雇主計劃401（k）以及新的或現有的傳統IRA。

Saving for retirement throughout your career and taking advantage of compound interest is key to building wealth for your golden years. Including bitcoin in that savings strategy through crypto IRAs can come with benefits, including:

在整個職業生涯中節省退休，並利用複雜的興趣是建立黃金年財富的關鍵。通過加密IRA將比特幣在該儲蓄策略中包括在內，包括：

Potential for high returns

高回報的潛力

While there have been plenty of cryptocurrency downfalls, there have also been returns that outpace other markets. In September 2019, bitcoin's price was around $10,000 per coin. Fast-forward six years, and bitcoin's price fluctuates between $97,000 and $100,000 per coin. If the bitcoin enthusiasts are right and cryptocurrency is here to stay, it could continue to grow over the years.

儘管有很多加密貨幣衰落，但也有回報超過其他市場。 2019年9月，比特幣的價格約為每枚硬幣10,000美元。快速前進的六年，比特幣的價格在每枚硬幣的$ 97,000至100,000美元之間波動。如果比特幣愛好者是正確的，而加密貨幣將留在這裡，那麼多年來它可能會繼續增長。

Moreover, only a limited number of bitcoins exist, suggesting the potential for high growth if the demand for the currency remains. As of 2025, 21 million bitcoins are available for trading, with nearly 1.08 million left to mine.

此外，只有有限數量的比特幣，這表明對貨幣的需求仍然存在，可能會產生高增長。截至2025年，可用於交易的2100萬比特幣，還剩下近108萬比特幣。

Diversification

多樣化

When you invest in a traditional IRA, you're likely buying a mix of stocks and bonds from various sectors and sizes via investment funds. This diversification is important since it helps ensure that when one area of your portfolio suffers, another is holding steady or performing well.

當您投資傳統的IRA時，您可能會通過投資基金購買各個部門和規模的股票和債券。這種多樣化很重要，因為它有助於確保當您的投資組合的一個區域受苦時，另一個區域保持穩定或表現良好。

Victoria Bogner, a financial planner and director of client experience at Allworth Financial, told Business Insider that investing in cryptocurrencies tends to be "a great diversifier" for your financial assets. Holding a bit of bitcoin "can be a good way to own something that doesn't move exactly like the rest of your investments move," she says.

Allworth Financial的財務規劃師兼客戶經驗總監Victoria Bogner告訴Business Insider，投資加密貨幣往往是您的金融資產的“偉大多元化者”。她說，持有一些比特幣“可能是擁有不像您其餘投資動作的東西的好方法。”

It could also be a hedge against inflation as the dollar's value against some other currencies has declined.

這也可能是對沖通貨膨脹的對沖，因為美元對其他一些貨幣的價值下降。

"A self-directed IRA has a little bit looser IRS rules, so you can hold things like property" or other alternative investments, Bogner says.

Bogner說：“自我指導的IRA有一些寬鬆的IRS規則，因此您可以擁有財產之類的東西”或其他替代投資。

Tax advantages

稅收優勢

Similar to Roth or traditional IRAs, crypto IRAs offer tax benefits such as tax-deferred growth or tax-free withdrawals. The kind of tax advantages you receive depends on whether you fund your account with tax-deferred or after-tax dollars.

與Roth或傳統IRA相似，加密IRA提供稅收優惠，例如延長稅收增長或免稅提款。您收到的稅收優勢的種類取決於您是用稅收遞送還是稅後美元為帳戶提供資金。

For example, the IRS taxes bitcoin as an investment, so it's subject to a capital gains tax when you sell it at a profit — but not if it's held in your IRA. That gain is tax-shielded, as are any transactions within an IRA. You only pay taxes on funds that you withdraw.

例如，美國國稅局（IRS）將比特幣稅作為一項投資，因此，當您以利潤出售時，它會徵收資本利得稅，但如果它在您的IRA中持有，則不得。這筆收益是稅收納稅的，IRA內的任何交易也是如此。您僅對撤回的資金繳稅。

Although cryptocurrencies offer a potential for growth that has historically outperformed other markets, their susceptibility to risk is just as high.

儘管加密貨幣為增長提供了潛力，歷史上比其他市場表現出色，但它們對風險的敏感性同樣高。

There are potential issues you should consider before buying bitcoin for an IRA, including:

在為IRA購買比特幣之前，您應該考慮一些潛在的問題，包括：

Volatility

揮發性

Cryptocurrencies are known for their volatile price swings. Unlike traditional assets tied to the US dollar or gold, the value of cryptocurrencies is primarily driven by investor demand and speculation. So, if investor confidence in a particular cryptocurrency diminishes, its price can plummet rapidly without guaranteeing recovery.

加密貨幣以其波動的價格波動而聞名。與與美元或黃金相關的傳統資產不同，加密貨幣的價值主要由投資者的需求和投機驅動。因此，如果投資者對特定加密貨幣的信心會降低，那麼其價格可能會迅速下降，而無需保證恢復。

"There's a reasonable chance that volatility with bitcoin will continue for a while," says Chris Chen, a certified financial planner at Insight Financial Strategists."If you're going to invest for retirement, you really have to think in terms of how you will deal with that volatility."

Insight財務戰略家認證的財務計劃師Chris Chen說：“有合理的機會將繼續進行比特幣的波動率。將處理這種波動。”

Security

安全

Hacking, phishing scams, and other fraudulent activity are common in the crypto world since the crypto trading market and its regulatory systems are still in their infancy. Not only do exchanges and IRA providers lack certain jurisdictions, but individual investors are also vulnerable to tricks that may reveal sensitive information, such as their private keys.

自加密貿易市場及其監管系統仍處於起步階段以來，黑客，網絡釣魚騙局和其他欺詐活動在加密貨幣世界中很普遍。交易所和IRA提供商不僅缺乏某些司法管轄區，而且個人投資者也很容易受到可能揭示敏感信息的技巧，例如其私鑰。

Fortunately, industry-leading crypto exchanges have implemented more advanced security protocols, such as external cold storage, two-factor authentication, and more reliable customer support. Crypto exchanges also increasingly comply with anti-money laundering procedures to prevent illegal activity on their platforms.

幸運的是，行業領先的加密交易所實施了更高級的安全協議，例如外部冷藏，兩因素身份驗證和更可靠的客戶支持。加密交易所也越來越遵守反洗錢程序，以防止其平台上的非法活動。

Regulatory uncertainty

監管不確定性

While they're called custodians, firms that offer self-directed

當他們被稱為託管人時，提供了自我指導的公司