最近的比特币飙升让不愿采用比特币和其他数字资产的个人理财顾问措手不及

几位金融专家和分析师表示，一些顾问仍然反对他们的客户涉足加密货币领域。

As the recent Bitcoin (BTC) surge continues to surprise personal finance advisors who have been unwilling to adopt Bitcoin and other digital assets, several finance experts and analysts are revealing that some advisors are still against their clients entering the crypto sector.

随着最近比特币（BTC）的飙升继续让那些不愿采用比特币和其他数字资产的个人理财顾问感到惊讶，一些金融专家和分析师透露，一些顾问仍然反对他们的客户进入加密货币领域。

However, a research carried out by Cerulli Associates in July showed that out of 1,500 financial planners, only 2.6% told their clients about crypto, while only 13.7% had ever used crypto with their clients. According to records, these advisors are also noted to be vehemently against anything related to the crypto space and are unwilling to provide it to clients who ask. But their unwillingness to provide crypto may cause problems in the industry. This is due to the demand for Bitcoin and other assets because of their performances, and advisors who refuse to recommend it may risk losing clients.

然而，Cerulli Associates 在 7 月份进行的一项研究显示，在 1,500 名理财规划师中，只有 2.6% 的人向客户介绍过加密货币，而只有 13.7% 的人曾经与客户一起使用过加密货币。根据记录，这些顾问还强烈反对与加密货币领域相关的任何事情，并且不愿意向提出要求的客户提供这些信息。但他们不愿意提供加密货币可能会导致行业出现问题。这是由于比特币和其他资产因其表现而受到需求，而拒绝推荐的顾问可能会面临失去客户的风险。

Financial advisors discuss Bitcoin’s potentialAccording to financial advisors, the adoption of Bitcoin has increased in the industry. This is because there are as many advisors willing to introduce their clients to Bitcoin, as they are those hesitant about it. “If you’re an advisor that is not able to offer it and not able to talk about it, then they might seek somebody willing to,” associate director of products at Cerulli Associates Matt Apkarian said.

财务顾问讨论比特币的潜力 据财务顾问称，比特币在行业中的采用有所增加。这是因为愿意向客户介绍比特币的顾问数量与犹豫不决的顾问数量一样多。 Cerulli Associates 产品副总监马特·阿普卡里安 (Matt Apkarian) 表示：“如果你是一名顾问，无法提供这些服务，也无法谈论它，那么他们可能会寻找愿意提供服务的人。”

One reason why advisors might be wary about introducing crypto is because of its real-world utility concerns. According to Apkarian, there are still advisors who view cryptocurrencies as a Ponzi scheme and they feel the assets may return to zero in the long run. He feels that way because of the most common answer to a survey question carried out by Cerulli Associates in 2023. When asked why they would not pitch crypto to their clients, their most common answer was that they do not need to add it to portfolios.

顾问可能对引入加密货币持谨慎态度的原因之一是考虑到它在现实世界中的效用。 Apkarian 表示，仍然有顾问将加密货币视为庞氏骗局，他们认为从长远来看资产可能会归零。他之所以有这种感觉，是因为 Cerulli Associates 在 2023 年进行的一项调查问题中最常见的答案。当被问及为什么他们不会向客户推销加密货币时，他们最常见的答案是他们不需要将其添加到投资组合中。

Retail interest predicted to trigger adoptionThe consensus is that retail trading of these assets has contributed to its present surge, but there is an increase in advisors keen on bringing it to their clients. There has also been increased interest on the part of the clients, fueled by the recent market-wide surge. With digital assets no longer seen as alternative investment tools, the idea behind decentralization appeals to more clients than before.

零售兴趣预计将引发采用 共识是，这些资产的零售交易促成了目前的激增，但越来越多的顾问热衷于将其带给客户。由于最近市场范围内的飙升，客户的兴趣也有所增加。随着数字资产不再被视为另类投资工具，去中心化背后的理念比以前吸引了更多的客户。

There has also been an uptick in retail adoption since the election day. Although these metrics cannot be measured, indicators like Google searches and app usage have increased since the period. According to financial planner Theresa Morrison, the recent surge cannot be attributed to only the retail traders, it is where the interest in these assets begins.

自选举日以来，零售采用率也有所上升。尽管这些指标无法衡量，但谷歌搜索和应用程序使用等指标自该时期以来有所增加。理财规划师特蕾莎·莫里森表示，最近的飙升不能仅仅归因于零售交易员，而是对这些资产的兴趣开始的地方。

However, there is still a long way for retail interest to trigger adoption on a wider scale. Most financial planners are part of larger organizations with policies against discussing or introducing crypto to clients. In August, Morgan Stanley permitted its advisors to spot Bitcoin ETF investments to clients with a net worth of over $1.5 million.

然而，零售兴趣要引发更广泛的采用还有很长的路要走。大多数财务规划师都是大型组织的一部分，其政策禁止向客户讨论或介绍加密货币。 8 月，摩根士丹利允许其顾问向净资产超过 150 万美元的客户进行比特币 ETF 投资。

With the recent demand for Bitcoin from clients, most advisors are looking in the way of the asset. According to Charles Zhang of Zhang Financials, Bitcoin has some potential. Zhang was ranked by Barron as the top wealth advisor in the United States in the last two years. However, he noted that it is what he feels and not financial advice. Zhang said that clients with more than $1 million may take the risk and invest 1% in Bitcoin, noting the need to avoid other digital assets.

随着最近客户对比特币的需求，大多数顾问都在寻找这种资产。张金融的张朝阳表示，比特币具有一定的潜力。张先生连续两年被《巴伦周刊》评为美国顶级财富顾问。然而，他指出，这是他的感受，而不是财务建议。张表示，资产超过 100 万美元的客户可以冒险投资 1% 的比特币，并指出需要避免其他数字资产。