什么是加密ira？它如何工作以及在投资之前要知道什么

Crypto IRA是为高级交易者而设计的，他们旨在通过利用区块链技术来增加退休储蓄。同样的贡献限制，税收优惠和提款规则适用于加密IRA，作为传统和罗斯IRA。

A crypto IRA, often called a bitcoin IRA, is a specialized self-directed retirement account designed to hold cryptocurrencies like bitcoin and altcoins. These accounts offer greater portfolio diversification, tax advantages, and the potential for high growth over the long term.

一个加密IRA，通常称为比特币IRA，是一个专门的自我指导的退休帐户，旨在持有比特币和山寨币等加密货币。这些帐户提供了更大的投资组合多元化，税收优势以及长期增长的潜力。

Traditional banks and brokerages don't offer crypto-specific IRAs. Instead, bitcoin IRAs and similar crypto-backed accounts are available through specialized custodians, including some of the best cryptocurrency exchanges.

传统银行和经纪公司不提供特定于加密的IRA。取而代之的是，比特币IRA和类似的加密支持帐户可通过专门的托管人（包括一些最佳的加密货币交易所）获得。

The best bitcoin IRAs are highly secure platforms with low trading fees, quality custom support, cold-wallet storage, and a user-friendly interface. Management and trading fees can be quite high with crypto IRAs.

最好的比特币IRA是高度安全的平台，其交易费用低，高质量的自定义支持，冷藏零售存储和用户友好的界面。 Crypto IRAS的管理和交易费用可能很高。

If you already have a well-funded and diversified retirement portfolio and are looking to open a crypto IRA, you stay informed on current regulatory rules and requirements involving cryptocurrency and blockchain trading.

如果您已经拥有大量资金且多元化的退休产品组合，并且正在寻求打开Crypto IRA，那么您就可以了解涉及加密货币和区块链交易的当前监管规则和要求。

Open a bitcoin IRA with BitcoinIRA and earn a $150 reward while you save for retirement. Available for IRA Rollovers, Roth, SEP, Employer Plan 401(k)s and new or existing Traditional IRAs.

用比特币开设一个比特币IRA，并在退休后赚取150美元的奖励。可用于IRA翻车，罗斯，9月，雇主计划401（k）以及新的或现有的传统IRA。

Saving for retirement throughout your career and taking advantage of compound interest is key to building wealth for your golden years. Including bitcoin in that savings strategy through crypto IRAs can come with benefits, including:

在整个职业生涯中节省退休，并利用复杂的兴趣是建立黄金年财富的关键。通过加密IRA将比特币在该储蓄策略中包括在内，包括：

Potential for high returns

高回报的潜力

While there have been plenty of cryptocurrency downfalls, there have also been returns that outpace other markets. In September 2019, bitcoin's price was around $10,000 per coin. Fast-forward six years, and bitcoin's price fluctuates between $97,000 and $100,000 per coin. If the bitcoin enthusiasts are right and cryptocurrency is here to stay, it could continue to grow over the years.

尽管有很多加密货币衰落，但也有回报超过其他市场。 2019年9月，比特币的价格约为每枚硬币10,000美元。快速前进的六年，比特币的价格在每枚硬币的$ 97,000至100,000美元之间波动。如果比特币爱好者是正确的，而加密货币将留在这里，那么多年来它可能会继续增长。

Moreover, only a limited number of bitcoins exist, suggesting the potential for high growth if the demand for the currency remains. As of 2025, 21 million bitcoins are available for trading, with nearly 1.08 million left to mine.

此外，只有有限数量的比特币，这表明对货币的需求仍然存在，可能会产生高增长。截至2025年，可用于交易的2100万比特币，还剩下近108万比特币。

Diversification

多样化

When you invest in a traditional IRA, you're likely buying a mix of stocks and bonds from various sectors and sizes via investment funds. This diversification is important since it helps ensure that when one area of your portfolio suffers, another is holding steady or performing well.

当您投资传统的IRA时，您可能会通过投资基金购买各个部门和规模的股票和债券。这种多样化很重要，因为它有助于确保当您的投资组合的一个区域受苦时，另一个区域保持稳定或表现良好。

Victoria Bogner, a financial planner and director of client experience at Allworth Financial, told Business Insider that investing in cryptocurrencies tends to be "a great diversifier" for your financial assets. Holding a bit of bitcoin "can be a good way to own something that doesn't move exactly like the rest of your investments move," she says.

Allworth Financial的财务规划师兼客户体验总监Victoria Bogner告诉Business Insider，投资加密货币往往是您的金融资产的“伟大多元化者”。她说，持有一些比特币“可能是拥有不像您其余投资动作的东西的好方法。”

It could also be a hedge against inflation as the dollar's value against some other currencies has declined.

这也可能是对冲通货膨胀的对冲，因为美元对其他一些货币的价值下降。

"A self-directed IRA has a little bit looser IRS rules, so you can hold things like property" or other alternative investments, Bogner says.

Bogner说：“自我指导的IRA有一些宽松的IRS规则，因此您可以拥有财产之类的东西”或其他替代投资。

Tax advantages

税收优势

Similar to Roth or traditional IRAs, crypto IRAs offer tax benefits such as tax-deferred growth or tax-free withdrawals. The kind of tax advantages you receive depends on whether you fund your account with tax-deferred or after-tax dollars.

与Roth或传统IRA相似，加密IRA提供税收优惠，例如延长税收增长或免税提款。您收到的税收优势的种类取决于您是用税收递送还是税后美元为帐户提供资金。

For example, the IRS taxes bitcoin as an investment, so it's subject to a capital gains tax when you sell it at a profit — but not if it's held in your IRA. That gain is tax-shielded, as are any transactions within an IRA. You only pay taxes on funds that you withdraw.

例如，美国国税局（IRS）将比特币税作为一项投资，因此，当您以利润出售时，它会征收资本利得税，但如果它在您的IRA中持有，则不得。这笔收益是税收纳税的，IRA内的任何交易也是如此。您仅对撤回的资金缴税。

Although cryptocurrencies offer a potential for growth that has historically outperformed other markets, their susceptibility to risk is just as high.

尽管加密货币为增长提供了潜力，历史上比其他市场表现出色，但它们对风险的敏感性同样高。

There are potential issues you should consider before buying bitcoin for an IRA, including:

在为IRA购买比特币之前，您应该考虑一些潜在的问题，包括：

Volatility

挥发性

Cryptocurrencies are known for their volatile price swings. Unlike traditional assets tied to the US dollar or gold, the value of cryptocurrencies is primarily driven by investor demand and speculation. So, if investor confidence in a particular cryptocurrency diminishes, its price can plummet rapidly without guaranteeing recovery.

加密货币以其波动的价格波动而闻名。与与美元或黄金相关的传统资产不同，加密货币的价值主要由投资者的需求和投机驱动。因此，如果投资者对特定加密货币的信心会降低，那么其价格可能会迅速下降，而无需保证恢复。

"There's a reasonable chance that volatility with bitcoin will continue for a while," says Chris Chen, a certified financial planner at Insight Financial Strategists."If you're going to invest for retirement, you really have to think in terms of how you will deal with that volatility."

Insight财务战略家认证的财务计划师Chris Chen说：“有合理的机会将继续进行比特币的波动率。将处理这种波动。”

Security

安全

Hacking, phishing scams, and other fraudulent activity are common in the crypto world since the crypto trading market and its regulatory systems are still in their infancy. Not only do exchanges and IRA providers lack certain jurisdictions, but individual investors are also vulnerable to tricks that may reveal sensitive information, such as their private keys.

自加密贸易市场及其监管系统仍处于起步阶段以来，黑客，网络钓鱼骗局和其他欺诈活动在加密货币世界中很普遍。交易所和IRA提供商不仅缺乏某些司法管辖区，而且个人投资者也很容易受到可能揭示敏感信息的技巧，例如其私钥。

Fortunately, industry-leading crypto exchanges have implemented more advanced security protocols, such as external cold storage, two-factor authentication, and more reliable customer support. Crypto exchanges also increasingly comply with anti-money laundering procedures to prevent illegal activity on their platforms.

幸运的是，行业领先的加密交易所实施了更高级的安全协议，例如外部冷藏，两因素身份验证和更可靠的客户支持。加密交易所也越来越遵守反洗钱程序，以防止其平台上的非法活动。

Regulatory uncertainty

监管不确定性

While they're called custodians, firms that offer self-directed

当他们被称为托管人时，提供了自我指导的公司