父母正在拋棄529個計劃，將比特幣作為大學儲蓄車投資

為了幫助他們的孩子在經濟上取得成功，儘管風險和波動性有風險和波動，但家庭仍將他們的錢投入加密貨幣作為大學儲蓄計劃。

Families are putting their money into cryptocurrencies as a college savings plan despite the risk and volatility.

儘管冒險和波動性，但家庭仍將他們的錢投入加密貨幣作為大學儲蓄計劃。

Some are putting their children's college savings into Bitcoin, hoping to beat inflation and rising tuition costs.

有些人將孩子的大學儲蓄投入比特幣中，希望超過通貨膨脹和學費上漲。

Others say stock gains aren't good enough, while some financial advisors say it's a fair way to diversify.

其他人則說，股票收益不夠好，而一些財務顧問說，這是多元化的公平方式。

Bitcoin's value has increased by over 500% from the "crypto winter" low, and many believe the OG token's ascent is far from over.

比特幣的價值比“加密冬季”低的低點增加了500％，許多人認為OG代幣的上升還遠遠沒有結束。

After trading hands for less than $16,000 in November 2022, the world's largest cryptocurrency finally crossed the $100,000 threshold in December last year and is hovering around that level.

在2022年11月以不到16,000美元的價格交易之後，世界上最大的加密貨幣終於超過了去年12月的100,000美元門檻，並且徘徊在該水平上。

Some parents say their children have enough time if they start early to weather Bitcoin's extreme volatility and still make large returns to fund their children's college.

一些父母說，如果他們早點開始天氣比特幣的極端波動，並且仍然有大量回報以資助孩子的大學，他們的孩子有足夠的時間。

Bitcoin experienced a revival in interest and investment last year with the launch of Bitcoin exchange-traded funds.

去年，隨著比特幣交易所交易資金的推出，比特幣經歷了利息和投資的複興。

The asset's recovery has been highlighted by its surge subsequent to President Donald Trump's election and his embrace of the industry as a whole.

唐納德·特朗普總統的當選以及整個行業的擁抱之後，資產的複蘇得到了強調。

Distributing a portion of a child's assets to Bitcoin could align with specific ideas of traditional financial responsibility, even though most financial advisors would not recommend full investment in Bitcoin.

即使大多數財務顧問不建議對比特幣投資，將兒童資產的一部分分配給比特幣可能與傳統財務責任的特定想法保持一致。

Investors with longer time horizons may afford to take more risk, says Stanford's Initiative for Financial Decision-Making head Annamaria Lusardi, who also suggests using a small number of cryptocurrencies in a diversified portfolio.

斯坦福大學的財務決策負責人安娜瑪里亞·盧薩迪（Annamaria Lusardi）表示，遠景時間更長的投資者可能會承擔更多的風險，他還建議在多元化的投資組合中使用少量加密貨幣。

For first-time investors, she recommends the tax-free and easy-to-understand Roth IRA.

對於首次投資者，她建議您免稅且易於理解的Roth IRA。

Cryptocurrency is helping some parents save even more for education. One year at a prestigious private university can cost up to $100,000, so investing in regular stocks won't cut it.

加密貨幣正在幫助一些父母為教育節省更多。一年在一所著名的私立大學的一年可能的費用高達100,000美元，因此投資常規股不會削減它。

The same is true for Alex Crognale, a professional soccer player.

專業足球運動員Alex Crognale也是如此。

This 30-year-old knew he wanted to do everything he could to aid his wife's financial situation after she had her first child last year.

這位30歲的年輕人知道，他去年生了第一個孩子後，他想盡一切可能幫助妻子的財務狀況。

On the other hand, Bitcoin appeals to him as a more versatile kind of wealth than the standard 529 plans, whose returns in the past have disappointed him.

另一方面，比特幣吸引了他比標準529計劃更具用途的財富，而標準的529計劃使他的回報使他失望。

My daughter was born 2 weeks ago. I’m NOT opening a 529 savings acct for her. Here’s what I’m doing instead:In addition to stacking bitcoin, we are opening a brokerage account that will serve as her primary savings vehicle. What would you buy to hold for the next 18 years?…

我的女兒2週前出生。我不是為她開設529節的ACCT。這是我正在做的事情：除了堆疊比特幣外，我們還開設了一個經紀帳戶，該帳戶將作為她的主要儲蓄工具。在接下來的18年中，您會買什麼？…

When invested in a 529 plan, residents of many states can deduct their state income taxes, put the money to grow tax-deferred, and then withdraw it tax-free for higher education expenses.

當投資529個計劃時，許多州的居民可以扣除其州所得稅，投入資金來增加稅收剝奪，然後將其免稅用於高等教育費用。

However, crypto does not come with any such advantages.

但是，加密沒有任何這樣的優勢。

Moreover, even crypto-sceptical parents may find it challenging to dissuade their children from engaging with the asset class. Bitcoin has attained such popular status that their children may already be aficionados, influenced by the enthusiasm of their friends.

此外，即使是加密的父母，也可能會發現勸阻孩子與資產類別互動是一項挑戰。比特幣已經獲得瞭如此受歡迎的地位，以至於他們的孩子可能已經是狂熱者，受到朋友的熱情的影響。