Fidelity Investments推出了Crypto IRA，使美國投資者能夠在退休計劃中包括比特幣（BTC）和以太坊（ETH）

Fidelity Investments推出了一項新產品，使美國投資者可以在退休計劃中包括加密貨幣。由Cointelegraph。

Financial services firm Fidelity Investments has launched a new offering that allows US investors to include cryptocurrencies in their retirement planning.

金融服務公司Fidelity Investments推出了一項新產品，使美國投資者能夠將加密貨幣包括在退休計劃中。

What Happened: Fidelity now provides individual retirement accounts (IRAs) with direct exposure to Bitcoin (BTC), Ether (ETH), and Litecoin (LTC), expanding the company’s growing involvement in digital assets.

發生的事情：Fidelity現在為個人退休帳戶（IRA）提供了直接接觸比特幣（BTC），Ether（ETH）和Litecoin（LTC），從而擴大了該公司對數字資產的日益參與。

The new product, called “Fidelity Crypto IRA,” is available to US citizens over 18 who live in states where Fidelity Digital Assets supports crypto IRAs and the company’s personal investment digital advice service is available.

新產品稱為“ Fidelity Crypto IRA”，可供18歲以上的美國公民居住在Fidelity Digital Assets支持Crypto IRA和該公司的個人投資數字諮詢服務的州。

Investors can choose from three different IRA structures:

投資者可以從三種不同的IRA結構中進行選擇：

* Traditional IRA

*傳統的IRA

* Roth IRA

*羅斯艾拉

* Rollover IRA

*滾動IRA

To use the new service, customers must hold a Fidelity brokerage IRA with the same registration type as the crypto IRA they wish to open and fund. This brokerage IRA acts as the funding source for the crypto IRA, and customers transfer money from their brokerage IRA to the crypto IRA to make trades.

要使用新服務，客戶必須擁有與他們希望開放和資助的加密貨幣IRA相同的註冊類型的Fidelity Brokerage IRA。該經紀IRA是Crypto IRA的資金來源，客戶將資金從其經紀IRA轉移到加密貨幣IRA進行交易。

If a customer doesn’t already have a qualifying Fidelity brokerage IRA, the company will open one alongside the crypto IRA. The beneficiaries, registration type, and state of residence will be the same on both the brokerage IRA and the crypto IRA.

如果客戶尚未擁有合格的保真經紀IRA，則該公司將與Crypto IRA一起開業。在經紀IRA和Crypto IRA上，受益人，註冊類型和居住狀態都將相同。

Fidelity is not charging any maintenance or custody fees for the crypto IRAs. This zero-fee approach applies to both opening and maintaining the account. The only cost is a 1% spread on buy and sell orders.

保真度沒有為加密貨幣IRA收取任何維護或監護費。這種零功能的方法適用於開設和維護帳戶。唯一的成本是在買賣訂單上分配1％。

This spread represents the difference between the price a customer receives when selling cryptocurrency and the price at which Fidelity Digital Assets sources the cryptocurrency.

這種價差代表客戶在銷售加密貨幣時獲得的價格與富達數字資產來源的價格之間的價格之間的差額。

The company is launching the offering with three cryptocurrencies. Bitcoin is the largest digital asset with a market cap of $1.7 trillion. ETH follows as the second-largest at $228 billion. Litecoin, launched in 2011, ranks as the 23rd largest cryptocurrency with a market cap of $6.4 billion.

該公司正在使用三個加密貨幣啟動產品。比特幣是最大的數字資產，市值為1.7萬億美元。 ETH隨後是第二大為2280億美元。萊特幣（Litecoin）於2011年成立，排名為23次加密貨幣，市值為64億美元。

Why It’s Important: The launch of the crypto IRA offering marks a significant step in bringing cryptocurrency investments into mainstream retirement planning.

為什麼重要的是：加密IRA提供的推出標誌著將加密貨幣投資帶入主流退休計劃中的重要一步。

As one of the largest financial institutions in the US, Fidelity is a major force in the financial services industry. The company manages over $6 trillion in assets and serves 49 million customers.

作為美國最大的金融機構之一，富達是金融服務行業的主要力量。該公司管理超過6萬億美元的資產，為4900萬客戶提供服務。

Earlier this year, Fidelity announced that it would be expanding its involvement in crypto with the launch of a new institutional digital asset trading platform called EDX Markets.

今年早些時候，富達宣布將通過推出一個名為EDX Markets的新機構數字資產交易平台，擴大其參與加密貨幣。

FDI World reports that Fidelity is also testing a stablecoin and has no immediate plans to bring it to the market. The company is also exploring the tokenized U.S. Treasury market.

外國直接投資世界報導說，富達還正在測試一個穩定的人，並且沒有立即計劃將其推向市場。該公司還正在探索象徵化的美國財政市場。

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