多样化您的数字资产投资组合的4种方法

随着数字资产格局变得越来越不可预测，重要的是要鼓励客户跨部门和数字资产类型多样化。

As the digital asset market continues to rapidly evolve, it's becoming increasingly important for clients to diversify their holdings across sectors and digital asset types. This not only helps with tax planning, but it also propels you into a more advisory role. Here are four strategies you can recommend to clients to diversify their digital asset portfolio:

随着数字资产市场继续迅速发展，对于客户而言，跨部门和数字资产类型的持股量变得越来越重要。这不仅有助于税收计划，而且还可以推动您担任更咨询的角色。您可以向客户推荐以下四种策略，以使其数字资产组合多样化：

1. Purchase different coin and token types. Perhaps the easiest way clients can diversify their digital asset portfolio is to acquire different types of coins and tokens. Start by advising clients to consider well-established cryptocurrencies, such as bitcoin and ether. Because these cryptocurrencies have a large market cap, they're typically considered lower-risk investments.

1。购买不同的硬币和代币类型。客户可以使客户多样化其数字资产组合的最简单方法是获取不同类型的硬币和代币。首先建议客户考虑已建立的加密货币，例如比特币和以太。由于这些加密货币具有较大的市值，因此通常被认为是低风险的投资。

After that, encourage clients to consider altcoins. These are cryptocurrencies that aren't bitcoin. Although altcoins are riskier, they have the potential to quickly appreciate in value. But be careful — their values can suddenly plummet as well. As a rule of thumb, when investing in lesser-known altcoins, clients should only put in what they're willing to lose.

之后，鼓励客户考虑AltCoins。这些不是比特币的加密货币。尽管AltCoins风险更大，但它们有可能快速欣赏价值。但是要小心 - 他们的价值也可能突然骤降。根据经验，在投资鲜为人知的山寨币时，客户只能投入他们愿意丢失的东西。

There are other types of coins and tokens that may help with diversification, including the following:

还有其他类型的硬币和代币可能有助于多元化，包括以下内容：

• Stablecoins: Stablecoins are a type of cryptocurrency that's pegged to a fiat currency, such as the U.S. dollar. This makes stablecoins less volatile than other cryptocurrencies. Some clients may choose to hold stablecoins as a way to quickly move funds or to hedge against the volatility of other digital assets.

•Stablecoins：Stablecoins是一种将固定在菲亚特货币（例如美元）挂钩的加密货币。这使得与其他加密货币的挥发性较小。一些客户可能会选择持有稳定币，以快速转移资金或对冲其他数字资产的波动。

• Security tokens: Security tokens represent ownership in a particular asset, such as real estate or a company's stock. Although security tokens are stored on a blockchain, they're typically regulated by government agencies, unlike other cryptocurrencies. This makes security tokens a good option for clients who want to diversify their digital asset portfolio with more traditional investments.

•安全令牌：安全令牌代表特定资产的所有权，例如房地产或公司的股票。尽管安全令牌存储在区块链上，但与其他加密货币不同，它们通常由政府机构监管。对于希望通过更传统的投资使其数字资产投资组合多样化的客户，安全令牌成为一个不错的选择。

• Non-fungible tokens (NFTs): NFTs are a unique type of cryptocurrency that can't be exchanged for another token. This makes NFTs ideal for representing ownership in digital collectibles, such as art, music or videos. Some clients may choose to invest in NFTs as a way to diversify their digital asset portfolio and potentially gain exposure to the booming collectibles market.

•不可杀死的令牌（NFTS）：NFT是一种独特的加密货币类型，无法将其交换为另一个令牌。这使得NFTS非常适合代表数字收藏品（例如艺术，音乐或视频）中的所有权。一些客户可能会选择投资NFT，以作为多元化其数字资产组合的一种方式，并有可能获得蓬勃发展的收藏品市场。

Many clients will be unfamiliar with these items, so taking the time to explain the benefits and potential risks of each investment will solidify client relationships and elevate your advisory practice.

许多客户将不熟悉这些项目，因此花时间解释每种投资的收益和潜在风险将巩固客户关系并提高您的咨询实践。

2. Invest in a crypto exchange-traded product. A crypto ETP is the digital asset world's version of a mutual fund. It's essentially a way to invest in cryptocurrency without purchasing the coins directly. Like other ETPs, crypto ETPs are securities that track the value of underlying assets. However, in this case, the underlying assets are cryptocurrencies, such as bitcoin and ether.

2。投资加密交易所交易产品。加密ETP是数字资产世界的共同基金版本。从本质上讲，这是一种在不直接购买硬币的情况下投资加密货币的一种方式。像其他ETP一样，加密ETP是跟踪基础资产价值的证券。但是，在这种情况下，基础资产是加密货币，例如比特币和以太。

To help get clients started, you can recommend a reputable broker. Most major online brokers offer crypto ETPs; however, ETP types and fees will vary. Also, it's important to educate clients on the risks of investing in a crypto ETP. One potential drawback is trading can only occur during regular market hours, meaning your client may miss out if cryptocurrency values significantly change during the weekend (which, as we've seen, is highly likely). This wouldn't happen if your client purchased cryptocurrency directly since online exchanges are always open (unless briefly shut down for maintenance).

为了帮助客户启动，您可以推荐一个知名的经纪人。大多数主要的在线经纪人都提供加密ETP；但是，ETP类型和费用将有所不同。此外，重要的是要向客户提供投资加密ETP的风险。一个潜在的缺点是交易只能在常规营销时间内发生，这意味着当周末的加密货币值显着变化时，您的客户可能会错过（正如我们所看到的，这很可能是可能的）。如果您的客户直接购买了加密货币，则不会发生这种情况（除非短暂关闭以进行维护）。

3. Try a crypto-related exchange-traded fund. Clients who go down this route have two options to consider: a stock-based ETF and a futures-based ETF. In a stock-based ETF, the client holds a collection of crypto-related stocks. These are the stocks of corporations that operate in the digital asset space, such as Coinbase Global, Inc. (NASDAQ:COIN). If your client decides to invest in a futures-based ETF, they will be exposed to the price movements of cryptocurrency futures contracts, which are agreements to exchange the fiat-equivalent value of a digital asset (or the asset itself) on a future date.

3。尝试与加密相关的交易所基金。沿着这条路线的客户有两个选择：基于股票的ETF和一个基于期货的ETF。在基于股票的ETF中，客户持有一系列与加密相关的股票。这些是在数字资产领域运营的公司的股票，例如Coinbase Global，Inc。（NASDAQ：COIN）。如果您的客户决定投资基于期货的ETF，他们将暴露于加密货币期货合约的价格变动，这是在未来日期交换数字资产（或资产本身）的菲亚特等效价值的协议。

As with ETPs, ETFs won't give your clients direct ownership of cryptocurrencies — they will simply own units within the funds. This could be a problem if a particular cryptocurrency or company increases in value, but that growth isn't fully reflected in the ETF. However, crypto-related ETFs are still a great way to diversify a digital asset portfolio.

与ETP一样，ETF不会使您的客户直接拥有加密货币的所有权 - 他们只会在资金中拥有单位。如果特定的加密货币或公司的价值增加，但这种增长并没有完全反映在ETF中，这可能是一个问题。但是，与加密相关的ETF仍然是使数字资产投资组合多样化的好方法。

4. Hold digital assets in a self-directed IRA. As a tax and accounting professional, you're probably familiar with self-directed IRAs that hold real estate, precious metals, foreign currencies, commodities or hedge funds. But did you know they can also be used to hold digital assets? There are crypto IRA platforms out there that can help with the administrative burdens typically associated with self-directed IRAs.

4。将数字资产保存在自我指导的IRA中。作为税收和会计专业人士，您可能熟悉拥有房地产，贵金属，外币，商品或对冲基金的自定向IRA。但是您知道它们也可以用来持有数字资产吗？那里有加密IRA平台，可以帮助承担通常与自我指导的IRA相关的行政负担。

Advising clients to establish a self-directed IRA can be a smart move; however, setting one up that invests in cryptocurrency is often complex. In many cases, you will need to direct the client to create an LLC that's solely owned by the IRA

建议客户建立自我指导的IRA可能是明智之举。但是，建立对加密货币投资的投资通常很复杂。在许多情况下，您需要指示客户创建一个仅由IRA拥有的LLC