無需花費 10 萬美元即可投資比特幣的 3 種方法

隨著比特幣價格最近的快速上漲，許多投資者想知道如何才能參與其中。但隨著一枚比特幣的價格超過 10 萬美元，您究竟該如何投資世界上最有價值的加密貨幣？

With Bitcoin’s recent meteoric rise in price, many investors are wondering how they can get in on the action. But with the price of one Bitcoin exceeding $100,000, how exactly can you invest in the world’s most valuable crypto coin?

隨著比特幣價格最近的快速上漲，許多投資者想知道如何才能參與其中。但隨著一枚比特幣的價格超過 10 萬美元，您究竟該如何投資世界上最有價值的加密貨幣？

3 ways to invest in Bitcoin without spending $100,000

無需花費 10 萬美元即可投資比特幣的 3 種方法

One common misconception about buying crypto is that you have to buy the whole coin if you want to invest. This isn’t necessarily the case, though there are plenty of cheaper altcoins you can buy individually. If you want to buy Bitcoin, though, it may be wiser to buy pieces of the coin or Bitcoin-related funds.

關於購買加密貨幣的一個常見誤解是，如果你想投資，你必須購買整個加密貨幣。情況並非一定如此，儘管您可以單獨購買許多更便宜的山寨幣。不過，如果您想購買比特幣，購買比特幣或比特幣相關基金可能會更明智。

Whichever way you choose to invest, know that investing in crypto can be risky. Prices are only driven by what other people are willing to pay for the coin, not by hard assets such as cash flow or business performance, so keep that in mind before investing your hard-earned cash.

無論您選擇哪種投資方式，都要知道投資加密貨幣可能有風險。價格僅由其他人願意為代幣支付的價格決定，而不是由現金流或業務績效等硬資產決定，因此在投資辛苦賺來的現金之前請記住這一點。

Here are three ways to buy Bitcoin, even if you don’t have $100,000.

即使您沒有 10 萬美元，也可以透過以下三種方式購買比特幣。

1. Buy a fraction of a Bitcoin

1. 購買一小部分比特幣

If you want to start investing in Bitcoin, the good news is that you have options. You can head to crypto exchanges or online brokerages to buy pieces of the coin — or fractions — rather than an entire unit. If you don’t already have an account with any of these platforms, it’s easy to set one up within a matter of minutes.

如果您想開始投資比特幣，好消息是您有選擇。您可以前往加密貨幣交易所或線上經紀公司購買代幣的碎片或碎片，而不是整個單位。如果您還沒有這些平台的帳戶，只需幾分鐘即可輕鬆設定。

Each platform has different trade minimums for buying crypto. Webull, for example, has an account minimum of $1 — approximately 0.00001 of a Bitcoin as of mid-January — to trade crypto. If you bought $50 worth of Bitcoin, you’d have approximately 0.00047 of a Bitcoin.

每個平台都有不同的購買加密貨幣的最低交易額。例如，Webull 的帳戶最低金額為 1 美元（截至 1 月中旬約為 0.00001 個比特幣）用於交易加密貨幣。如果您購買了價值 50 美元的比特幣，您將擁有大約 0.00047 個比特幣。

Note that each platform has its own fee structure. Even zero-commission trades may have a spread markup, meaning that the costs are built into a coin’s buy or sell price.

請注意，每個平台都有自己的費用結構。即使是零佣金交易也可能有價差加價，這意味著成本已包含在代幣的買入或賣出價格中。

2. Invest in a Bitcoin ETF

2. 投資比特幣 ETF

A Bitcoin exchange-traded fund (ETF) might be for you if you want to invest in Bitcoin but prefer not to own Bitcoin directly or manage the inherent risks, such as storage.

如果您想投資比特幣，但不想直接擁有比特幣或管理儲存等固有風險，那麼比特幣交易所交易基金 (ETF) 可能適合您。

Approved in 2024, Bitcoin ETFs make it easier to invest in Bitcoin and help you avoid the potentially riskier process of using a crypto exchange. Ethereum, the second-largest cryptocurrency, can be bought through ETFs, too.

比特幣 ETF 於 2024 年獲得批准，使投資比特幣變得更加容易，並幫助您避免使用加密貨幣交易所的潛在風險較高的過程。第二大加密貨幣以太幣也可以透過 ETF 購買。

Because Bitcoin ETFs track Bitcoin, you should effectively see the same returns — minus expense ratios — as holding the coin directly but without the hassle of safely storing your crypto. The best Bitcoin ETFs are easy to buy and tend to offer low fees.

由於比特幣 ETF 追蹤比特幣，因此您實際上應該看到與直接持有比特幣相同的回報（減去費用比率），但無需安全儲存加密貨幣的麻煩。最好的比特幣 ETF 很容易購買，而且費用往往較低。

You can even buy fractional shares of a Bitcoin ETF. More advanced investors may consider trading options on Bitcoin ETFs or getting into Bitcoin futures ETFs.

您甚至可以購買比特幣 ETF 的部分股份。更高級的投資者可能會考慮交易比特幣 ETF 選擇權或進入比特幣期貨 ETF。

Investing in a crypto ETF is still risky, though. If the price of Bitcoin falls, so will the value of Bitcoin ETFs.

不過，投資加密貨幣 ETF 仍存在風險。如果比特幣價格下跌，比特幣 ETF 的價值也會下跌。

3. Invest indirectly in Bitcoin

3. 間接投資比特幣

Bitcoin is a big business. If you want to take a step back even further from investing directly in Bitcoin, you could invest in a Bitcoin-related stock or ETF. Some possibilities include:

比特幣是一門大生意。如果您想進一步退出直接投資比特幣，您可以投資比特幣相關股票或 ETF。一些可能性包括：

Should you invest in Bitcoin?

你應該投資比特幣嗎？

Bitcoin can be part of your broader investment strategy, but it shouldn’t be your only one — if only because crypto is volatile and has no real assets backing its value. Crypto prices rise and fall based solely on investor sentiment and outsize gains in the past don’t guarantee future results. Some advisors recommend only allocating 1 to 2 percent of your portfolio to digital assets.

比特幣可以成為您更廣泛的投資策略的一部分，但它不應該是您唯一的投資策略——即使只是因為加密貨幣具有波動性並且沒有實際資產來支持其價值。加密貨幣價格的上漲和下跌完全取決於投資者的情緒，過去的巨大收益並不能保證未來的結果。一些顧問建議僅將投資組合的 1% 到 2% 分配給數位資產。

Before you consider investing in crypto, get your finances in order. Make sure you have an emergency fund in place, a level of debt you’re able to manage and a diversified investment portfolio. Understand that crypto is speculative and never invest more than you’re willing to lose.

在考慮投資加密貨幣之前，請先整理好您的財務狀況。確保您擁有應急基金、能夠管理的債務水平以及多元化的投資組合。了解加密貨幣是投機性的，投資永遠不要超過您願意損失的金額。

A financial advisor can work with you to create a balanced portfolio that meets your short- and long-term goals — and Bankrate’s AdvisorMatch can help you connect with a CFP® professional.

財務顧問可以與您合作創建一個平衡的投資組合，以滿足您的短期和長期目標，而 Bankrate 的 AdvisorMatch 可以幫助您與 CFP® 專業人士建立聯繫。

Bottom line

底線

If you want exposure to Bitcoin without having to spend more than $100,000 for one coin, there are other ways to invest. You can buy fractions of a Bitcoin on crypto exchanges or brokerage platforms, invest in a Bitcoin ETF or look to crypto-related stocks and ETFs.

如果您想接觸比特幣而又不想花超過 10 萬美元購買一枚比特幣，還有其他投資方式。您可以在加密貨幣交易所或經紀平台上購買比特幣的一小部分，投資比特幣 ETF 或尋找與加密貨幣相關的股票和 ETF。