富達（Fidelity）推出了新的退休帳戶，這將使美國人能夠投資加密貨幣幾乎沒有收費

Fidelity是一家金融服務公司，擁有5.9萬億美元的管理資產，它引入了新的退休帳戶，該帳戶將使美國人能夠在加密貨幣上投資幾乎沒有收費。

Financial services company Fidelity, which manages $5.9 trillion in assets, has announced new retirement accounts that will allow Americans to invest in crypto almost fee-free.

金融服務公司Fidelity管理資產5.9萬億美元，已宣布了新的退休帳戶，該帳戶將使美國人幾乎沒有收費。

The three accounts — a tax-deferred traditional IRA and two Roth IRAs (one is a rollover) — permit the buying and selling of Bitcoin (BTC), Ether (ETH), and Litecoin (LTC). While there are no fees to open or maintain the accounts, Fidelity charges a 1% spread on the execution price of crypto buy and sell transactions.

這三個帳戶 - 賦予稅收的傳統IRA和兩個Roth IRA（一個是翻車） - 允許比特幣（BTC），Ether（Eth）和Litecoin（LTC）購買和銷售。雖然沒有開張或維護帳戶的費用，但Fidelity收取了Crypto買賣的執行價格的1％差價。

The crypto IRAs are offered by Fidelity Digital Assets, a subsidiary of Fidelity that has traditionally offered institutional investors the opportunity to buy and sell crypto.

Crypto IRA是由Fidelity Digital Assets提供的，Fidelity Digital Assets是Fidelity的子公司，傳統上為機構投資者提供了買賣加密貨幣的機會。

The broadening of its client base may be another signal of the changing crypto landscape in the United States, which has seen the adoption of a strategic Bitcoin reserve and multiple companies, including stablecoin issuer Circle, filing for an initial public offering.

擴大其客戶群可能是美國加密貨幣景觀不斷變化的另一個信號，該景觀已經採用了戰略性比特幣儲備和包括Stablecoin發行人圈在內的多家公司，並提出了首次公開募股。

Fidelity states that, for security, it holds the majority of its crypto in cold storage, which consists of crypto wallets not connected to the internet.

Fidelity指出，為了安全性，它將其大部分加密貨物用於冷藏，其中包括與互聯網連接的加密錢包組成。

Related: Bitcoin ETFs for retirement planning: A beginner’s guide

相關：用於退休計劃的比特幣ETF：初學者指南

BTC and ETH exposure already offered for retirement accounts

BTC和ETH曝光已經為退休帳戶提供

While the direct purchase of cryptocurrencies in an IRA has never been strictly prohibited, few IRA providers have allowed such purchases, according to Investopedia. Hence, Fidelity’s new IRAs may indicate a change in the environment.

據Investopedia稱，儘管從未嚴格禁止在IRA中直接購買加密貨幣，但IRA提供商很少允許購買此類購買。因此，富達的新IRA可能表明環境發生了變化。

Still, for enthusiasts of BTC and ETH, there have been other options since 2024, such as exchange-traded funds (ETFs) of those corresponding coins.

儘管如此，對於BTC和ETH的發燒友來說，自2024年以來，還有其他選擇，例如那些相應的硬幣的交易所交易資金（ETF）。

Since the debut of those ETFs, investors in the US have been able to gain exposure to crypto markets from their retirement accounts — depending on the brokerage. There has also been the rise of Bitcoin IRAs, which are self-directed retirement accounts that offer tax advantages.

自從這些ETF首次亮相以來，美國的投資者已經能夠從退休帳戶中獲得對加密貨幣市場的影響 - 取決於經紀。比特幣IRA的興起，這些比特幣是提供稅收優勢的自我指導的退休帳戶。

Some crypto companies offer digital-asset-specific IRAs like BitIRA, where individuals can add altcoins such as LTC to their retirement portfolios.

一些加密公司（Crypto Companies）提供了特定於數字資產的IRA，例如Bitira，個人可以在其退休投資組合中添加山寨幣（例如LTC）。

The move to allow more Americans to invest crypto into retirement accounts may be gaining momentum. On April 1, Alabama Senator Tommy Tuberville announced the reintroduction of a bill to allow Americans to add cryptocurrency to their 401(k)s. The process would involve scaling back regulations issued by the Department of Labor.

允許更多的美國人將加密貨幣投資到退休帳戶中的舉動可能會越來越大。 4月1日，阿拉巴馬州參議員湯米·圖伯維爾（Tommy Tuberville）宣布重新引入一項法​​案，以允許美國人在其401（k）s中增加加密貨幣。該過程將涉及勞工部發布的後背法規。