如何投資比特幣（BTC）

儘管比特幣最初被設想為一種支付技術，但如今大多數人認為它是一種投資資產——可以儲蓄的東西

Bitcoin began as a technology for payments, but today most people use it as an investment asset. You can save in a Bitcoin IRA or add it to your portfolio as an alternative asset. Many people use cryptocurrency as a hedge against inflation or to get diversification in their portfolios. Bitcoin has experienced astronomical growth and has outpaced recent gains on major stock market indices, making it an attractive alternative.

比特幣最初是一種支付技術，但如今大多數人將其用作投資資產。您可以存入比特幣 IRA 或將其作為替代資產添加到您的投資組合中。許多人使用加密貨幣來對沖通貨膨脹或實現投資組合的多元化。比特幣經歷了天文數字的增長，並且超過了主要股市指數近期的漲幅，使其成為一個有吸引力的替代品。

Compared to blue chip stocks like Pfizer, Nike, or Nestle, Bitcoin is quite young. It was launched in 2009, and its price has skyrocketed. In 2010, Laszlo Hanyecz, a software developer and an early believer in Bitcoin’s value, famously paid 10,000 Bitcoins for pizza. Today, those coins would be worth over $580 million.

與輝瑞、耐吉或雀巢等藍籌股相比，比特幣還相當年輕。它於2009年推出，價格一路飆升。 2010 年，軟體開發人員、比特幣價值的早期信徒 Laszlo Hanyecz 因支付 10,000 比特幣購買披薩而聞名。如今，這些硬幣的價值將超過 5.8 億美元。

Since then, Bitcoin’s price has continued to climb. At the beginning of 2024, its price was $44,187. By March 2024, its price reached its highest level ever, surpassing $73,079.

此後，比特幣的價格持續攀升。 2024年初，其價格為44,187美元。到 2024 年 3 月，其價格達到歷史最高水平，超過 73,079 美元。

“The potential benefits of investing in crypto are potentially higher returns than a more traditional stock and bond portfolio may yield on its own,” said Drew Feutz, a certified financial planner (CFP) with Migration Wealth Management.

移民財富管理公司的註冊財務規劃師 (CFP) 德魯·福茨 (Drew Feutz) 表示：“投資加密貨幣的潛在好處是，其回報可能比更傳統的股票和債券投資組合本身更高。”

However, Bitcoin often experiences price fluctuations and dips. As of September 2024, its price had dropped to about $58,000.

然而，比特幣的價格經常會出現波動和下跌。截至2024年9月，其價格已降至約58,000美元。

What factors impact the price of Bitcoin?

哪些因素影響比特幣的價格？

Bitcoin’s prices rise and fall for a variety of reasons. While the price of stocks can fluctuate based on company performance or industry news, Bitcoin is affected by other factors:

比特幣的價格上漲和下跌的原因有很多。雖然股票價格可能會根據公司業績或行業新聞而波動，但比特幣也受到其他因素的影響：

Bitcoin halving events: Every four years or so, the number of new Bitcoins created is cut in half. This event can impact the supply and demand of Bitcoin in the market and influence its price.

比特幣減半事件：每四年左右，新創建的比特幣數量就會減少一半。該事件可能會影響市場上比特幣的供需並影響其價格。

Demand and supply in the market: The price of Bitcoin is largely determined by how much people want to buy it in relation to how much of it is available on cryptocurrency exchanges. Higher demand usually leads to higher prices, while less demand can cause prices to fall.

市場的需求和供應：比特幣的價格很大程度上取決於人們購買比特幣的意願與加密貨幣交易所上可用比特幣的數量之間的關係。需求增加通常會導致價格上漲，而需求減少則導致價格下跌。

Relative strength index (RSI): This technical analysis indicator measures the magnitude of recent price changes to evaluate whether an asset is overbought or overvalued. Higher RSI values can indicate that an asset is due for a price decrease, while lower RSI values may suggest that an asset is undervalued.

相對強度指數（RSI）：此技術分析指標衡量近期價格變化的幅度，以評估資產是否超買或高估。較高的 RSI 值可能表示資產價格應下跌，而較低的 RSI 值可能表示資產被低估。

Fear and greed index: The crypto fear and greed index tracks traders’ emotions and sentiments towards Bitcoin and other cryptocurrencies on a scale of 0 to 100. Higher values on the index indicate greater bullishness in the market, which may be linked to higher prices.

恐懼和貪婪指數：加密貨幣恐懼和貪婪指數以 0 到 100 的範圍追蹤交易者對比特幣和其他加密貨幣的情緒和情緒。

How to invest in Bitcoin

如何投資比特幣

There are a few different ways to invest in Bitcoin.

投資比特幣有幾種不同的方式。

Buy Bitcoin directly through a cryptocurrency exchange

直接透過加密貨幣交易所購買比特幣

One of the most popular ways to invest in cryptocurrency is to buy Bitcoin directly. You can do this by opening an account with a cryptocurrency exchange. Once your account is created, you can sync it with your bank account and use your money to buy Bitcoin.

投資加密貨幣最受歡迎的方式之一是直接購買比特幣。您可以透過在加密貨幣交易所開設帳戶來做到這一點。建立帳戶後，您可以將其與您的銀行帳戶同步並用您的錢購買比特幣。

Invest in a Bitcoin IRA

投資比特幣 IRA

Another way to invest in Bitcoin is to open a Bitcoin IRA. A Bitcoin IRA is a tax-advantaged retirement account that allows you to invest in Bitcoin and other cryptocurrencies. Bitcoin IRAs have the same tax benefits and contribution limits as traditional or Roth IRAs, but you can invest in alternative assets.

投資比特幣的另一種方式是開設比特幣 IRA。比特幣 IRA 是一個稅收優惠的退休帳戶，可讓您投資比特幣和其他加密貨幣。比特幣 IRA 與傳統 IRA 或 Roth IRA 具有相同的稅收優惠和繳款限額，但您可以投資另類資產。

Consider cryptocurrency ETFs

考慮加密貨幣 ETF

A relatively new way to invest in Bitcoin is through a crypto exchange-traded fund (ETF). With these ETFs, you don’t directly own Bitcoin, but the performance of the ETF will reflect Bitcoin’s performance.

投資比特幣的一種相對較新的方式是透過加密貨幣交易所交易基金（ETF）。有了這些 ETF，您不會直接擁有比特幣，但 ETF 的表現將反映比特幣的表現。

Crypto ETFs allow you to buy and sell shares through an investment brokerage account, without the need to worry about storage for cryptocurrency or opening a separate cryptocurrency exchange account.

加密貨幣 ETF 讓您透過投資經紀帳戶買賣股票，無需擔心加密貨幣的儲存或開設單獨的加密貨幣交易帳戶。

Invest in cryptocurrency-related stocks

投資加密貨幣相關股票

For those wary of investing directly in Bitcoin, another option is to invest in cryptocurrency-focused stocks. Potential options include publicly traded cryptocurrency exchanges, technology firms, and payment processors; these companies may use Bitcoin or use it in their operations, so you’ll indirectly benefit from Bitcoin’’s performance.

對於那些對直接投資比特幣持謹慎態度的人來說，另一個選擇是投資以加密貨幣為重點的股票。潛在的選擇包括公開交易的加密貨幣交易所、科技公司和支付處理商；這些公司可能會使用比特幣或在其營運中使用比特幣，因此您將間接受益於比特幣的表現。

Is it a good time to invest in Bitcoin?

現在是投資比特幣的好時機嗎？

Bitcoin is still a relatively new asset, but it has displayed impressive past performance, and more and more companies are using it or accepting it as a payment method. As Bitcoin becomes more established, it may experience fewer fluctuations in price too.

比特幣仍然是一種相對較新的資產，但它過去的表現令人印象深刻，越來越多的公司正在使用它或接受它作為支付方式。隨著比特幣變得更加成熟，它的價格波動也可能會減少。

“Bitcoin’s price volatility is steadily decreasing over the years,” said Brady Swenson, co-founder and head of product marketing at Swan Bitcoin. “As a far more liquid asset, its price volatility is lower than relatively illiquid cryptos.”

Swan Bitcoin 聯合創始人兼產品行銷主管 Brady Swenson 表示：“多年來，比特幣的價格波動性正在穩步下降。” “作為一種流動性更強的資產，其價格波動性低於流動性相對較差的加密貨幣。”

If you plan on holding onto your investment for the long haul, investing money into Bitcoin could be a good choice.

如果您打算長期持有投資，那麼將資金投資於比特幣可能是個不錯的選擇。

“It’s always a good time to invest in Bitcoin with a long-time horizon, [such as] 10 or more years,”

“現在是長期投資比特幣的好時機，例如 10 年或更長。”