多樣化您的數字資產投資組合的4種方法

隨著數字資產格局變得越來越不可預測，重要的是要鼓勵客戶跨部門和數字資產類型多樣化。

As the digital asset market continues to rapidly evolve, it's becoming increasingly important for clients to diversify their holdings across sectors and digital asset types. This not only helps with tax planning, but it also propels you into a more advisory role. Here are four strategies you can recommend to clients to diversify their digital asset portfolio:

隨著數字資產市場繼續迅速發展，對於客戶而言，跨部門和數字資產類型的持股量變得越來越重要。這不僅有助於稅收計劃，而且還可以推動您擔任更諮詢的角色。您可以向客戶推薦以下四種策略，以使其數字資產組合多樣化：

1. Purchase different coin and token types. Perhaps the easiest way clients can diversify their digital asset portfolio is to acquire different types of coins and tokens. Start by advising clients to consider well-established cryptocurrencies, such as bitcoin and ether. Because these cryptocurrencies have a large market cap, they're typically considered lower-risk investments.

1。購買不同的硬幣和代幣類型。客戶可以使客戶多樣化其數字資產組合的最簡單方法是獲取不同類型的硬幣和代幣。首先建議客戶考慮已建立的加密貨幣，例如比特幣和以太。由於這些加密貨幣具有較大的市值，因此通常被認為是低風險的投資。

After that, encourage clients to consider altcoins. These are cryptocurrencies that aren't bitcoin. Although altcoins are riskier, they have the potential to quickly appreciate in value. But be careful — their values can suddenly plummet as well. As a rule of thumb, when investing in lesser-known altcoins, clients should only put in what they're willing to lose.

之後，鼓勵客戶考慮AltCoins。這些不是比特幣的加密貨幣。儘管AltCoins風險更大，但它們有可能快速欣賞價值。但是要小心 - 他們的價值也可能突然驟降。根據經驗，在投資鮮為人知的山寨幣時，客戶只能投入他們願意丟失的東西。

There are other types of coins and tokens that may help with diversification, including the following:

還有其他類型的硬幣和代幣可能有助於多元化，包括以下內容：

• Stablecoins: Stablecoins are a type of cryptocurrency that's pegged to a fiat currency, such as the U.S. dollar. This makes stablecoins less volatile than other cryptocurrencies. Some clients may choose to hold stablecoins as a way to quickly move funds or to hedge against the volatility of other digital assets.

•Stablecoins：Stablecoins是一種將固定在菲亞特貨幣（例如美元）掛鉤的加密貨幣。這使得與其他加密貨幣的揮發性較小。一些客戶可能會選擇持有穩定幣，以快速轉移資金或對沖其他數字資產的波動。

• Security tokens: Security tokens represent ownership in a particular asset, such as real estate or a company's stock. Although security tokens are stored on a blockchain, they're typically regulated by government agencies, unlike other cryptocurrencies. This makes security tokens a good option for clients who want to diversify their digital asset portfolio with more traditional investments.

•安全令牌：安全令牌代表特定資產的所有權，例如房地產或公司的股票。儘管安全令牌存儲在區塊鏈上，但與其他加密貨幣不同，它們通常由政府機構監管。對於希望通過更傳統的投資使其數字資產投資組合多樣化的客戶，安全令牌成為一個不錯的選擇。

• Non-fungible tokens (NFTs): NFTs are a unique type of cryptocurrency that can't be exchanged for another token. This makes NFTs ideal for representing ownership in digital collectibles, such as art, music or videos. Some clients may choose to invest in NFTs as a way to diversify their digital asset portfolio and potentially gain exposure to the booming collectibles market.

•不可殺死的令牌（NFTS）：NFT是一種獨特的加密貨幣類型，無法將其交換為另一個令牌。這使得NFTS非常適合代表數字收藏品（例如藝術，音樂或視頻）中的所有權。一些客戶可能會選擇投資NFT，以作為多元化其數字資產組合的一種方式，並有可能獲得蓬勃發展的收藏品市場。

Many clients will be unfamiliar with these items, so taking the time to explain the benefits and potential risks of each investment will solidify client relationships and elevate your advisory practice.

許多客戶將不熟悉這些項目，因此花時間解釋每種投資的收益和潛在風險將鞏固客戶關係並提高您的諮詢實踐。

2. Invest in a crypto exchange-traded product. A crypto ETP is the digital asset world's version of a mutual fund. It's essentially a way to invest in cryptocurrency without purchasing the coins directly. Like other ETPs, crypto ETPs are securities that track the value of underlying assets. However, in this case, the underlying assets are cryptocurrencies, such as bitcoin and ether.

2。投資加密交易所交易產品。加密ETP是數字資產世界的共同基金版本。從本質上講，這是一種在不直接購買硬幣的情況下投資加密貨幣的一種方式。像其他ETP一樣，加密ETP是跟踪基礎資產價值的證券。但是，在這種情況下，基礎資產是加密貨幣，例如比特幣和以太。

To help get clients started, you can recommend a reputable broker. Most major online brokers offer crypto ETPs; however, ETP types and fees will vary. Also, it's important to educate clients on the risks of investing in a crypto ETP. One potential drawback is trading can only occur during regular market hours, meaning your client may miss out if cryptocurrency values significantly change during the weekend (which, as we've seen, is highly likely). This wouldn't happen if your client purchased cryptocurrency directly since online exchanges are always open (unless briefly shut down for maintenance).

為了幫助客戶啟動，您可以推荐一個知名的經紀人。大多數主要的在線經紀人都提供加密ETP；但是，ETP類型和費用將有所不同。此外，重要的是要向客戶提供投資加密ETP的風險。一個潛在的缺點是交易只能在常規營銷時間內發生，這意味著當週末的加密貨幣值顯著變化時，您的客戶可能會錯過（正如我們所看到的，這很可能是可能的） 。如果您的客戶直接購買了加密貨幣，則不會發生這種情況（除非短暫關閉以進行維護）。

3. Try a crypto-related exchange-traded fund. Clients who go down this route have two options to consider: a stock-based ETF and a futures-based ETF. In a stock-based ETF, the client holds a collection of crypto-related stocks. These are the stocks of corporations that operate in the digital asset space, such as Coinbase Global, Inc. (NASDAQ:COIN). If your client decides to invest in a futures-based ETF, they will be exposed to the price movements of cryptocurrency futures contracts, which are agreements to exchange the fiat-equivalent value of a digital asset (or the asset itself) on a future date.

3。嘗試與加密相關的交易所基金。沿著這條路線的客戶有兩個選擇：基於股票的ETF和一個基於期貨的ETF。在基於股票的ETF中，客戶持有一系列與加密相關的股票。這些是在數字資產領域運營的公司的股票，例如Coinbase Global，Inc。（NASDAQ：COIN）。如果您的客戶決定投資基於期貨的ETF，他們將暴露於加密貨幣期貨合約的價格變動，這是在未來日期交換數字資產（或資產本身）的菲亞特等效價值的協議。

As with ETPs, ETFs won't give your clients direct ownership of cryptocurrencies — they will simply own units within the funds. This could be a problem if a particular cryptocurrency or company increases in value, but that growth isn't fully reflected in the ETF. However, crypto-related ETFs are still a great way to diversify a digital asset portfolio.

與ETP一樣，ETF不會使您的客戶直接擁有加密貨幣的所有權 - 他們只會在資金中擁有單位。如果特定的加密貨幣或公司的價值增加，但這種增長並沒有完全反映在ETF中，這可能是一個問題。但是，與加密相關的ETF仍然是使數字資產投資組合多樣化的好方法。

4. Hold digital assets in a self-directed IRA. As a tax and accounting professional, you're probably familiar with self-directed IRAs that hold real estate, precious metals, foreign currencies, commodities or hedge funds. But did you know they can also be used to hold digital assets? There are crypto IRA platforms out there that can help with the administrative burdens typically associated with self-directed IRAs.

4。將數字資產保存在自我指導的IRA中。作為稅收和會計專業人士，您可能熟悉擁有房地產，貴金屬，外幣，商品或對沖基金的自定向IRA。但是您知道它們也可以用來持有數字資產嗎？那裡有加密IRA平台，可以幫助承擔通常與自我指導的IRA相關的行政負擔。

Advising clients to establish a self-directed IRA can be a smart move; however, setting one up that invests in cryptocurrency is often complex. In many cases, you will need to direct the client to create an LLC that's solely owned by the IRA

建議客戶建立自我指導的IRA可能是明智之舉。但是，建立對加密貨幣投資的投資通常很複雜。在許多情況下，您需要指示客戶創建一個僅由IRA擁有的LLC