如何為比特幣繁榮做好準備

比特幣可能正處於新一輪牛市的邊緣。 Adamant Research 的 Tuur Demeester 在他的出版品《如何定位》中指出

Bitcoin is rallying again, and many are speculating that another bull run is on the horizon. If you’re looking to secure a substantial allocation of bitcoin before this happens—an allocation that could appreciate completely tax-free—then you might have forgotten about an old retirement account.

比特幣再次上漲，許多人猜測另一場牛市即將到來。如果您希望在此之前獲得大量比特幣分配（這種分配可能完全免稅），那麼您可能已經忘記了舊的退休帳戶。

With an Unchained IRA, you can save bitcoin in a tax-advantaged manner while maintaining full control of your keys. There is no third-party risk because you hold the keys—ensuring that no one else can access your bitcoin.

借助 Unchained IRA，您可以以稅收優惠的方式保存比特幣，同時保持對鑰匙的完全控制。不存在第三方風險，因為您掌握著金鑰，確保沒有其他人可以存取您的比特幣。

Here's a step-by-step guide on how to set up an Unchained IRA and begin saving bitcoin for your retirement:

以下是有關如何設定 Unchained IRA 並開始為退休儲蓄比特幣的逐步指南：

Step 1: Purchase hardware wallets

第一步：購買硬體錢包

A hardware wallet allows you to store your bitcoin keys offline, giving you full control of your funds. To begin, purchase a couple of hardware wallets, such as those offered by Trezor or Ledger. Unchained currently supports a range of devices, including the Ledger Nano X, Trezor Model T, and Coldcard Mk4. Check out the full list of hardware wallets Unchained supports.

硬體錢包可讓您離線儲存比特幣金鑰，讓您完全掌控您的資金。首先，購買幾個硬體錢包，例如 Trezor 或 Ledger 提供的錢包。 Unchained 目前支援一系列設備，包括 Ledger Nano X、Trezor Model T 和 Coldcard Mk4。查看 Unchained 支援的硬體錢包的完整清單。

For optimal security, it’s recommended to buy directly from the manufacturer, but purchasing from a trusted third-party retailer, like Best Buy, is also acceptable. This is especially true in the context of multisig which eliminates any single key as a single point of failure.

為了獲得最佳安全性，建議直接從製造商購買，但從值得信賴的第三方零售商（例如百思買）購買也是可以接受的。在多重簽章的情況下尤其如此，它消除了任何單一金鑰作為單點故障的情況。

Make sure to get at least two wallets—you’ll need both to set up your Unchained IRA vault.

確保至少有兩個錢包——您需要兩個錢包來設置您的 Unchained IRA 金庫。

Step 2: Create an account on Unchained.com

步驟 2：在 Unchained.com 上建立帳戶

Next, go to Unchained and create an account. The process is simple: provide your name, email, phone number, and create a strong password. Unchained takes your privacy seriously.

接下來，前往 Unchained 並建立一個帳戶。過程很簡單：提供您的姓名、電子郵件、電話號碼，並建立一個強密碼。 Unchained 非常重視您的隱私。

Once your account is created, select the type of account you need—in this case we’re creating an IRA account. If you prefer personalized assistance, consider opting for Unchained’s Concierge Onboarding, where a bitcoin custody expert will guide you through every step.

建立帳戶後，選擇您需要的帳戶類型 - 在本例中我們將建立 IRA 帳戶。如果您更喜歡個人化幫助，請考慮選擇 Unchained 的 Concierge Onboarding，比特幣託管專家將引導您完成每一步。

Step 3: Create your Unchained IRA account—with no setup or account fees for the first year!

步驟 3：建立您的 Unchained IRA 帳戶—第一年無需設定費用或帳戶費用！

Now it’s time to set up your IRA account. With an Unchained IRA, you can save bitcoin in a tax-advantaged manner while maintaining full control of your keys. There is no third-party risk because you hold the keys—ensuring that no one else can access your bitcoin.

現在是時候設定您的 IRA 帳戶了。借助 Unchained IRA，您可以以稅收優惠的方式保存比特幣，同時保持對鑰匙的完全控制。不存在第三方風險，因為您掌握著金鑰，確保沒有其他人可以存取您的比特幣。

Setting up an account is straightforward—there are no setup fees, account fees don’t start until the second year, and you can see trading fees on our pricing page. Unchained’s IRA offers both Traditional and Roth options, allowing you to choose the best fit for your retirement strategy.

設定帳戶非常簡單——沒有設定費用，帳戶費用直到第二年才開始，您可以在我們的定價頁面上看到交易費用。 Unchained 的 IRA 提供傳統和羅斯選項，讓您選擇最適合您的退休策略。

Step 4: Follow the Self-Service guide for vault setup

步驟 4：依照自助服務指南進行保管庫設置

After setting up your account, it’s time to set up your multisig vault—one of the most secure ways to secure bitcoin. Multisig requires more than one key to authorize a transaction, which mitigates the risks associated with custodian and exchange hacks, bad business practices, or individual mistakes.

設定帳戶後，就可以設定多重簽名保險庫了－這是保護比特幣最安全的方法之一。多重簽章需要多個金鑰來授權交易，這可以減輕與託管人和交易所駭客攻擊、不良商業行為或個人錯誤相關的風險。

You can set up this secure multisig configuration in under an hour using Unchained’s Self-Service Onboarding. Simply follow the guide at diy.unchained.com to get started—if you’re using two hardware wallets to build your vault, you’ll choose the Lead custody model.

您可以使用 Unchained 的自助服務入門在一小時內設定此安全多重簽章配置。只需按照 diy.unchained.com 上的指南開始 - 如果您使用兩個硬體錢包來建立您的金庫，您將選擇 Lead 託管模型。

Step 5: Roll over your existing 401k/IRA

步驟 5：滾動您現有的 401k/IRA

Next, you’ll need to fund your new IRA, and there are a few ways to do it: an IRA-to-IRA transfer, a 401(k)-to-IRA rollover, or an annual contribution. The most common method is rolling over funds from an existing 401(k) or IRA into your new Unchained IRA.

接下來，您需要為您的新 IRA 提供資金，有幾種方法可以實現：IRA 到 IRA 轉帳、401(k) 到 IRA 轉存或年度供款。最常見的方法是將現有 401(k) 或 IRA 中的資金轉入新的 Unchained IRA。

While this process can feel tedious—particularly if your 401(k) administrator needs to issue you a physical check—it is straightforward. Once you receive your funds, Unchained will convert them to bitcoin with our trading desk and deposit them into your IRA vault.

雖然這個過程可能會讓人覺得乏味——特別是如果您的 401(k) 管理員需要向您開立身體檢查——但它很簡單。一旦您收到資金，Unchained 將透過我們的交易台將其轉換為比特幣，並將其存入您的 IRA 金庫。

If you already hold bitcoin in another IRA, you can do an in-kind transfer to move your bitcoin directly to Unchained without converting to cash first. If you want to learn more about how to fund your IRA, we have a full Knowledge Base article for that.

如果您已經在另一個 IRA 中持有比特幣，您可以進行實體轉賬，將您的比特幣直接轉移到 Unchained，而無需先轉換為現金。如果您想了解有關如何為 IRA 提供資金的更多信息，我們有完整的知識庫文章。

Step 6: Enjoy the benefits of tax-advantaged bitcoin

步驟6：享受比特幣稅收優惠的好處

Congratulations—your retirement savings are now secured in bitcoin! Unchained offers flat annual fees. Starting in year two, you’ll pay a flat $250 annual fee for your IRA account.

恭喜您—您的退休儲蓄現在以比特幣作為保障！ Unchained 提供固定年費。從第二年開始，您將為 IRA 帳戶支付 250 美元的固定年費。

Holding bitcoin in a tax-advantaged account combines the inflation resistance of bitcoin with the benefits of an IRA. Most importantly, you remain in charge of your bitcoin—not an exchange or third party. If the bull run is approaching as many suspect, the Unchained IRA could put you in position to watch your retirement savings grow.

在稅收優惠帳戶中持有比特幣結合了比特幣的通膨抵抗力和 IRA 的好處。最重要的是，您仍然負責您的比特幣，而不是交易所或第三方。如果牛市如許多人所懷疑的那樣臨近，Unchained IRA 可以讓您看到退休儲蓄的增長。

This article is provided for educational

本文僅供教育