Fidelity通過比特幣和兩個山寨幣啟動加密退休選項

Fidelity Investments推出了一項新的零收費退休計劃，旨在使投資者接觸比特幣（BTC），以太坊（ETH）和Litecoin（LTC）等主要加密貨幣。

Fidelity Investments has launched a lineup of zero-fee retirement plans that provide exposure to major cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC).

Fidelity Investments啟動了一個零收費的退休計劃，這些計劃提供了主要的加密貨幣，包括比特幣（BTC），以太坊（ETH）和Litecoin（LTC）。

These plans are designed for U.S. residents over the age of 18, specifically in states where Fidelity Digital Assets supports crypto individual retirement arrangements (IRAs).

這些計劃是為18歲以上的美國居民設計的，特別是在富達數字資產支持加密個人退休安排（IRA）的州。

The investment giant is introducing three distinct IRA options. The first is a Roth IRA, which offers tax-free savings using already taxed income.

這家投資巨頭推出了三種不同的IRA選項。第一個是羅斯IRA，它使用已經徵稅的收入提供免稅儲蓄。

The second is a traditional IRA, designed for tax-deferred growth on potential earnings.

第二個是傳統的IRA，旨在為潛在的收入增長而增長。

The third is a Rollover IRA, which allows users to transfer funds from previous employer-sponsored retirement plans, such as a 401(k) or 403(b), into a crypto IRA.

第三個是翻車IRA，它允許用戶從以前的雇主資助的退休計劃（例如401（k）或403（b））轉移資金到加密IRA。

To open a Crypto IRA with Fidelity, users must also have a corresponding Fidelity brokerage IRA, which serves as the funding account. If the customer does not already have one, Fidelity will set it up concurrently. Once linked, users can transfer money between the brokerage and crypto IRAs to facilitate trading.

要開設具有Fidelity的加密IRA，用戶還必須擁有相應的Fidelity Brokerage IRA，該經紀人用作資金帳戶。如果客戶還沒有一個，Fidelity將同時設置它。鏈接後，用戶可以在經紀和加密IRA之間轉移資金，以促進交易。

The crypto IRA provides access to Bitcoin, Ethereum, and Litecoin, focusing on well-known digital assets with higher market capitalization and liquidity.

Crypto IRA提供了對比特幣，以太坊和Litecoin的訪問權限，重點是具有更高市值和流動性的眾所周知的數字資產。

There are no maintenance or account fees for setting up and holding a Fidelity Crypto IRA. However, a 1% spread will apply to buy and sell transactions. This spread represents the difference between the internal acquisition cost of the asset and the price provided to the client.

沒有維護或帳戶費用來設置和持有Fidelity Crypto IRA。但是，將有1％的利差適用於買賣交易。這種價差代表資產的內部採集成本與提供給客戶的價格之間的差異。

The structure of the Crypto IRA also aligns with traditional Fidelity retirement accounts, enabling users to designate beneficiaries through the linked brokerage IRA platform. Any changes to beneficiaries must be made via the same platform.

加密IRA的結構還與傳統的保真退休帳戶保持一致，使用戶能夠通過鏈接的經紀IRA平台指定受益人。對受益人的任何更改都必須通過同一平台進行。

This initiative is part of Fidelity Digital Assets’ broader strategy to connect traditional finance with the evolving crypto market, emphasizing security and seamless integration for retirement-oriented investors.

該計劃是Fidelity Digital Assets的更廣泛戰略的一部分，該戰略將傳統財務與不斷發展的加密市場聯繫起來，強調安全性和無縫集成以退休為導向的投資者。

This latest move by Fidelity further expands the options available to investors interested in incorporating crypto into their long-term investment and retirement portfolio strategies.

Fidelity的最新舉動進一步擴大了有興趣將加密貨幣納入其長期投資和退休投資組合策略的投資者可用的選擇。