如何购买比特币：初学者分步指南

我的投资策略从来都不是非常复杂或华而不实。我通常坚持购买指数基金。如果我感觉很疯狂，我会到处投资一只蓝筹股。

I've been in the financial services industry for over a decade, and I've seen firsthand how people's relationships with money can evolve over time. Some people start out feeling completely lost, but with a little guidance and effort, they eventually become financially literate and empowered. Others may begin their journey with a strong understanding of personal finance, but as life throws them curveballs, they may find themselves struggling to stay afloat.

我在金融服务行业工作了十多年，我亲眼目睹了人们与金钱的关系如何随着时间的推移而演变。有些人一开始感到完全迷失，但通过一点指导和努力，他们最终会具备财务知识并获得权力。其他人可能在开始他们的旅程时对个人理财有深入的了解，但当生活给他们带来麻烦时，他们可能会发现自己难以维持生计。

No matter where you are on your financial journey, there's always something new to learn. And that's why I'm excited to share this story with you — a story about how I, a financial journalist who had never owned bitcoin before, decided to finally take the plunge and invest in the world's most popular cryptocurrency.

无论您处于财务旅程的哪个阶段，总有新的东西需要学习。这就是为什么我很高兴与大家分享这个故事——这个故事讲述的是我，一名以前从未拥有过比特币的财经记者，如何决定最终冒险投资世界上最受欢迎的加密货币。

Throughout the story, I'll be sharing some of the valuable insights I gained from conversations with three financial experts, as well as my own experiences navigating the world of bitcoin investing. Whether you're a seasoned bitcoin investor or you're just starting to explore this exciting asset class, I hope you'll find something interesting and informative in this story.

在整个故事中，我将分享我从与三位金融专家的对话中获得的一些宝贵见解，以及我自己在比特币投资领域的经验。无论您是经验丰富的比特币投资者，还是刚刚开始探索这一令人兴奋的资产类别，我希望您能在这个故事中找到一些有趣且信息丰富的内容。

So, without further ado, let's dive into the world of bitcoin investing together.

那么，话不多说，让我们一起深入了解比特币投资的世界。

The decision to finally buy bitcoin

最终决定购买比特币

As a financial journalist who covers personal finance, investing, and economics, I've been following the development of bitcoin and other cryptocurrencies closely for years. Despite my interest, I had never personally invested in bitcoin — until recently.

作为一名报道个人理财、投资和经济学的财经记者，多年来我一直密切关注比特币和其他加密货币的发展。尽管我很感兴趣，但直到最近我才亲自投资过比特币。

Over the years, I've had many conversations with people about bitcoin, ranging from enthusiasts who believe it's the future of money to skeptics who believe it's a bubble waiting to burst. I've also heard from people who made (and lost) a lot of money quickly by trading bitcoin.

多年来，我与人们就比特币进行了多次对话，其中包括相信比特币是货币未来的狂热者，以及认为比特币是即将破裂的泡沫的怀疑论者。我还听说有人通过交易比特币很快赚了（也赔了）很多钱。

While I found these stories interesting, they didn't ultimately convince me to buy bitcoin. What did convince me, however, was the increasing interest from large financial institutions and asset managers in bitcoin, especially postelection.

虽然我发现这些故事很有趣，但它们最终并没有说服我购买比特币。然而，令我信服的是大型金融机构和资产管理公司对比特币的兴趣日益浓厚，尤其是在选举后。

For example, BlackRock, the world's biggest asset manager, recently suggested a bitcoin allocation within a multi-asset portfolio. Trilliondollar asset managers are throwing their support behind bitcoin, and bitcoin ETFs have taken off this year.

例如，全球最大的资产管理公司贝莱德最近建议在多资产投资组合中配置比特币。价值数万亿美元的资产管理公司正在大力支持比特币，比特币 ETF 今年已经起飞。

To me, this signaled a growing acceptance of bitcoin as an asset class, and I decided there was no better way to determine if bitcoin was really the next big thing — or if Wall Street simply had FOMO — than by buying bitcoin firsthand.

对我来说，这表明人们越来越接受比特币作为一种资产类别，而且我认为没有比直接购买比特币更好的方法来确定比特币是否真的是下一个大事件，或者华尔街是否只是有 FOMO。

With that, I set out to learn how to buy bitcoin and decided to ask three financial experts for some guidance. I spoke with John Haar, managing director at the bitcoin services firm Swan Bitcoin; Robert Cannon, a financial advisor at Experity Wealth; and David Laut, chief investment officer at Abound Financial.

就这样，我开始学习如何购买比特币，并决定向三位金融专家寻求一些指导。我采访了比特币服务公司 Swan Bitcoin 的董事总经理约翰·哈尔 (John Haar)。 Robert Cannon，Experity Wealth 的财务顾问； David Laut，Abound Financial 首席投资官。

Together, they provided me with a comprehensive overview of the different ways to invest in bitcoin, the factors to consider when determining a portfolio weight, and the risks and potential rewards of bitcoin investing.

他们共同为我提供了关于投资比特币的不同方式、确定投资组合权重时要考虑的因素以及比特币投资的风险和潜在回报的全面概述。

Here's a summary of my conversation with each expert, along with some of the key takeaways I gleaned from their insights.

以下是我与每位专家的对话摘要，以及我从他们的见解中收集到的一些关键要点。

John Haar on dollar cost averaging

约翰·哈尔 (John Haar) 谈美元成本平均法

One of the first questions I had was whether it was a smart choice to buy bitcoin after the price had already run up so much.

我的第一个问题是，在比特币价格已经上涨这么多之后，购买比特币是否是一个明智的选择。

Haar gave me an analogy that I found helpful. "If someone said 'Am I too late to bitcoin?' my answer would be 'Do you think you're too late to buying real estate or the S&P 500?'"

哈尔给了我一个我认为很有帮助的类比。 “如果有人说‘我接触比特币是不是太晚了？’我的回答是‘你认为购买房地产或标准普尔 500 指数为时已晚吗？’”

He explained that if an asset is a good storer of value, then it's going to appreciate over time and there isn't really a concept of being too late to it.

他解释说，如果一项资产是良好的价值储存手段，那么它会随着时间的推移而升值，而且不存在为时已晚的概念。

Of course, bitcoin is a unique asset, and its price has experienced some wild fluctuations over the years. But Haar's analogy still provides a useful framework for thinking about the long-term potential of an asset like bitcoin.

当然，比特币是一种独特的资产，多年来其价格经历了一些剧烈的波动。但哈尔的类比仍然为思考比特币等资产的长期潜力提供了一个有用的框架。

I also asked Haar for his advice on how to determine a portfolio weight for bitcoin. He told me that he personally recommends his clients keep a 5% allocation to a combination of gold and bitcoin if they're looking for a more aggressive investing style.

我还向 Haar 询问了如何确定比特币投资组合权重的建议。他告诉我，如果他的客户正在寻找更激进的投资方式，他个人建议他们将 5% 的配置保留在黄金和比特币的组合上。

The reason for this is because these assets aren't typically correlated with the performance of the stock market, Haar explained.

哈尔解释说，这是因为这些资产通常与股市表现无关。

David Laut on inflation hedges

大卫·劳特谈通胀对冲

Laut also mentioned that he's seen people use bitcoin as an inflation hedge in their portfolios, which is something I hadn't considered before.

Laut 还提到，他看到人们在投资组合中使用比特币作为通胀对冲工具，这是我之前没有考虑过的。

Cannon also mentioned that some people use bitcoin as an inflation hedge, but he added that it ultimately depends on your risk tolerance. He's advised clients with anything between 1-10% of their portfolio in bitcoin.

Cannon还提到，有些人使用比特币作为通胀对冲，但他补充说，这最终取决于你的风险承受能力。他为客户提供了比特币投资组合占其投资组合 1-10% 的建议。

Robert Cannon on the importance of risk tolerance

罗伯特·坎农谈风险承受能力的重要性

When I asked Cannon for his advice on how to determine a portfolio weight for bitcoin, he told me that it really depends on the individual's risk tolerance and financial goals.

当我向 Cannon 询问如何确定比特币投资组合权重时，他告诉我，这实际上取决于个人的风险承受能力和财务目标。

Cannon has clients with anywhere from 1-10%

Cannon 的客户比例从 1% 到 10% 不等