Fidelity Investments通過新的“加密IRA”擴展到加密貨幣市場

該公司將直接管理資產的監護權，從而確保選擇押注Valute Virtuali作為其未來積累形式的投資者的更大安全性。

An important turning point in the world of finance and pensions comes from the United States: Fidelity Investments, the largest American provider of 401(k) retirement accounts, has announced the introduction of cryptocurrencies in individual retirement accounts (IRA).

財務和養老金世界中一個重要的轉折點來自美國：美國最大的401（k）退休賬戶提供商Fidelity Investments宣佈在個人退休帳戶（IRA）中引入加密貨幣。

This means that, starting now, investors can include Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC) in their retirement plans. A decision that opens up new scenarios for the integration of digital currencies into long-term savings.

這意味著，從現在開始，投資者可以在退休計劃中包括比特幣（BTC），以太坊（ETH）和Litecoin（LTC）。這項決定為將數字貨幣集成為長期節省的新方案。

Fidelity: a “Crypto IRA” to diversify the retirement future with Bitcoin, Ethereum, and Litecoin

保真度：用比特幣，以太坊和Litecoin多樣化退休未來的“加密IRA”

With the launch of the new service, which expands the existing offering of the company's retail trading service, investors will be able to open a "crypto IRA" to purchase and hold the three digital coins.

隨著新服務的推出，擴大了公司零售交易服務的現有產品，投資者將能夠開設“加密IRA”來購買和持有三個數字硬幣。

The company will directly manage the custody of the assets, thus ensuring greater security for investors who choose to bet on cryptocurrencies as a form of accumulation for their future.

該公司將直接管理資產的監護權，從而確保選擇押注加密貨幣作為其未來積累形式的投資者的更高安全性。

Bitcoin, Ethereum e Litecoin: Fidelity chooses a trio of historic cryptocurrencies

比特幣，以太坊e litecoin：保真度選擇了三個歷史性的加密貨幣

The three cryptocurrencies selected by Fidelity are not chosen at random, but represent established realities in the digital world.

Fidelity選擇的三個加密貨幣不是隨機選擇的，而是代表數字世界中既定現實的現實。

– Bitcoin, with a market capitalization of 1.7 trillion dollars, is by far the most important and recognized cryptocurrency in the world. Born in 2009, it is considered the pioneer of the entire sector.

- 比特幣的市值為1.7萬億美元，是迄今為止世界上最重要，最公認的加密貨幣。它出生於2009年，被認為是整個行業的先驅。

– Ethereum, second in the ranking by market value — currently at 228 billion dollars — is famous for having introduced the concept of smart contracts and for having a vast ecosystem of decentralized applications.

- 以太坊，排名在市場價值中排名第二，目前為2280億美元，以介紹智能合約的概念並擁有大量的分散應用程序的生態系統而聞名。

– Litecoin, created in 2011 as a faster and cheaper version of Bitcoin, is currently ranked 23rd among cryptocurrencies, with a capitalization of about 6.4 billion dollars.

- 萊特幣（Litecoin）於2011年創建的比特幣版本更快，更便宜，目前在加密貨幣中排名第23位，大約64億美元。

These three currencies have demonstrated uncommon resilience over the years, rendering them an interesting option for those seeking diversification in their retirement portfolio.

這些年來，這三種貨幣已經證明了罕見的彈性，這對於那些在退休產品組合中尋求多樣化的人來說是一個有趣的選擇。

From institutional adoption to new investment tools

從機構採用到新的投資工具

The interest of Fidelity in cryptocurrencies is not new. Already in 2022, in fact, the company had supported the creation of EDX Markets, a crypto trading platform for institutional investors, together with Wall Street giants like Charles Schwab, Citadel Securities, and Paradigm.

忠誠對加密貨幣的興趣並不是什麼新鮮事。實際上，在2022年，該公司已經支持了EDX Markets的創建，EDX Markets是一個為機構投資者提供的加密貨幣交易平台，以及Charles Schwab，Citadel Securities和Paradigm等華爾街巨頭。

At the same time, Fidelity had also announced the possibility for “plan sponsors” (the managers of retirement plans) to add a Digital Assets Account among the options available in 401(k) plans. Steps that were foreshadowing the current opening towards a crypto IRA dedicated to individual investors.

同時，富達還宣布了“計劃發起人”（退休計劃的經理）的可能性，以在401（k）計劃中可用的選項中添加數字資產帳戶。預示著當前向個人投資者的加密艾拉（IRA）開放的步驟。

But the news doesn't end here: last year the Securities and Exchange Commission (SEC) approved the launch of ETF funds based on cryptocurrencies, and Fidelity was among the few large companies to receive the green light. The results are already evident.

但是該消息並沒有結束：去年，美國證券交易委員會（SEC）批准了基於加密貨幣的ETF資金啟動，而富達是少數獲得綠燈的大公司之一。結果已經很明顯。

ETF on Bitcoin and Ethereum: the surprising numbers

比特幣和以太坊的ETF：令人驚訝的數字

The Fidelity Wise Origin Bitcoin Fund (FBTC) is among the most performing ETFs available on the market. With 11.4 billion dollars in net inflows, it ranks second out of a total of 11 funds currently traded. The overall collection in cryptocurrency-based ETFs has now reached 100 billion dollars.

Fidelity Wise Origin Bitcoin基金（FBTC）是市場上最受歡迎的ETF之一。淨流入量為114億美元，目前總共交易的11個資金中排名第二。基於加密貨幣的ETF的總體集合已達到1000億美元。

Even the ETF on Ethereum, the Fidelity Ethereum Fund (FETH), launched in July 2024, has shown encouraging signs. With 1.4 billion dollars in net inflows, it is second only to another fund among the nine currently available on the market.

甚至2024年7月推出的富達以太坊基金（FETH）的ETF也表現出令人鼓舞的跡象。淨流入量為14億美元，僅次於市場上的九家資金中僅次於另一個基金。

These data confirm how the institutional and private demand for exposure to regulated crypto-assets is experiencing significant growth, and that Fidelity is playing a leading role in building a structured and secure offering for long-term investors.

這些數據證實了機構和私人對受監管加密資產的接觸的需求如何經歷顯著增長，而富達在為長期投資者建立結構化且安全的產品方面發揮了領先作用。

A cultural change in wealth management

財富管理的文化變革

The opening to cryptocurrencies in retirement accounts reflects a profound cultural change. If until a few years ago digital currencies were considered highly speculative instruments and far from the prudent logic of retirement planning, today they are increasingly integrated into diversified investment portfolios, even for retirement purposes.

退休帳戶中加密貨幣的開放反映了深刻的文化變化。如果直到幾年前，數字貨幣被認為是高度投機的工具，並且遠離審慎的退休計劃邏輯，那麼今天，即使是出於退休目的，它們也越來越多地融入多元化的投資組合中。

The choice of Fidelity is a clear signal: digital assets are establishing themselves as a new recognized and strategic asset class, no longer relegated to the niche of enthusiasts or early adopters. With the security of institutional custody and regulatory-approved instruments like ETFs or crypto IRAs, cryptocurrencies gain in credibility and accessibility.

忠誠度的選擇是一個明確的信號：數字資產將自己確立為新的公認和戰略性資產類別，不再降級為發燒友或早期採用者的利基市場。憑藉機構監護權和經過監管批准的工具（例如ETFS或Crypto IRAS）的安全性，加密貨幣的信譽和可及性就可以提高。

Market performance

市場表現

At the time of the announcement, the behavior of the three selected cryptocurrencies was heterogeneous. Bitcoin recorded a rise of 1.3%, a signal of growing confidence from investors. In contrast, Ethereum and Litecoin showed slight declines, while maintaining a stable position in the ranking of the most capitalized cryptocurrencies.

在公告時，三個選定的加密貨幣的行為是異質的。比特幣的增長率為1.3％，這表明投資者信心越來越大。相比之下，以太坊和萊特幣顯示出略有下降，同時在最大的加密貨幣的排名中保持穩定的位置。

This volatility, which is still inherent in a young market, does not seem to discourage the big managers nor the pension investors who are looking for new sources of return in an uncertain economic context.

這種波動性仍然是年輕市場固有的，似乎並沒有阻止大型經理，也不勸阻那些在不確定的經濟環境中尋找新回報來源的養老金投資者。

Fidelity sets the course for the future

保真度為未來設定了課程

With this new move, which expands the existing offering of the company's retail trading service, investors will be able to open a "crypto IRA" to purchase and hold the three digital coins. The company will directly manage

通過這一新舉動，擴大了公司零售貿易服務的現有產品，投資者將能夠開設“加密IRA”來購買和持有三個數字硬幣。公司將直接管理