Fidelity Investments推出了Crypto IRA，使美国投资者能够在退休计划中包括比特币（BTC）和以太坊（ETH）

Fidelity Investments推出了一项新产品，使美国投资者可以在退休计划中包括加密货币。由Cointelegraph。

Financial services firm Fidelity Investments has launched a new offering that allows US investors to include cryptocurrencies in their retirement planning.

金融服务公司Fidelity Investments推出了一项新产品，使美国投资者能够将加密货币包括在退休计划中。

What Happened: Fidelity now provides individual retirement accounts (IRAs) with direct exposure to Bitcoin (BTC), Ether (ETH), and Litecoin (LTC), expanding the company’s growing involvement in digital assets.

发生的事情：Fidelity现在为个人退休帐户（IRA）提供了直接接触比特币（BTC），Ether（ETH）和Litecoin（LTC），从而扩大了该公司对数字资产的日益参与。

The new product, called “Fidelity Crypto IRA,” is available to US citizens over 18 who live in states where Fidelity Digital Assets supports crypto IRAs and the company’s personal investment digital advice service is available.

新产品称为“ Fidelity Crypto IRA”，可供18岁以上的美国公民居住在Fidelity Digital Assets支持Crypto IRA和该公司的个人投资数字咨询服务的州。

Investors can choose from three different IRA structures:

投资者可以从三种不同的IRA结构中进行选择：

* Traditional IRA

*传统的IRA

* Roth IRA

*罗斯艾拉

* Rollover IRA

*滚动IRA

To use the new service, customers must hold a Fidelity brokerage IRA with the same registration type as the crypto IRA they wish to open and fund. This brokerage IRA acts as the funding source for the crypto IRA, and customers transfer money from their brokerage IRA to the crypto IRA to make trades.

要使用新服务，客户必须拥有与他们希望开放和资助的加密货币IRA相同的注册类型的Fidelity Brokerage IRA。该经纪IRA是Crypto IRA的资金来源，客户将资金从其经纪IRA转移到加密货币IRA进行交易。

If a customer doesn’t already have a qualifying Fidelity brokerage IRA, the company will open one alongside the crypto IRA. The beneficiaries, registration type, and state of residence will be the same on both the brokerage IRA and the crypto IRA.

如果客户尚未拥有合格的保真经纪IRA，则该公司将与Crypto IRA一起开业。在经纪IRA和Crypto IRA上，受益人，注册类型和居住状态都将相同。

Fidelity is not charging any maintenance or custody fees for the crypto IRAs. This zero-fee approach applies to both opening and maintaining the account. The only cost is a 1% spread on buy and sell orders.

保真度没有为加密货币IRA收取任何维护或监护费。这种零功能的方法适用于开设和维护帐户。唯一的成本是在买卖订单上分配1％。

This spread represents the difference between the price a customer receives when selling cryptocurrency and the price at which Fidelity Digital Assets sources the cryptocurrency.

这种价差代表客户在销售加密货币时获得的价格与富达数字资产来源的价格之间的价格之间的差额。

The company is launching the offering with three cryptocurrencies. Bitcoin is the largest digital asset with a market cap of $1.7 trillion. ETH follows as the second-largest at $228 billion. Litecoin, launched in 2011, ranks as the 23rd largest cryptocurrency with a market cap of $6.4 billion.

该公司正在使用三个加密货币启动产品。比特币是最大的数字资产，市值为1.7万亿美元。 ETH随后是第二大为2280亿美元。莱特币（Litecoin）于2011年成立，排名为23次加密货币，市值为64亿美元。

Why It’s Important: The launch of the crypto IRA offering marks a significant step in bringing cryptocurrency investments into mainstream retirement planning.

为什么重要的是：加密IRA提供的推出标志着将加密货币投资带入主流退休计划中的重要一步。

As one of the largest financial institutions in the US, Fidelity is a major force in the financial services industry. The company manages over $6 trillion in assets and serves 49 million customers.

作为美国最大的金融机构之一，富达是金融服务行业的主要力量。该公司管理超过6万亿美元的资产，为4900万客户提供服务。

Earlier this year, Fidelity announced that it would be expanding its involvement in crypto with the launch of a new institutional digital asset trading platform called EDX Markets.

今年早些时候，富达宣布将通过推出一个名为EDX Markets的新机构数字资产交易平台，扩大其参与加密货币。

FDI World reports that Fidelity is also testing a stablecoin and has no immediate plans to bring it to the market. The company is also exploring the tokenized U.S. Treasury market.

外国直接投资世界报道说，富达还正在测试一个稳定的人，并且没有立即计划将其推向市场。该公司还正在探索象征化的美国财政市场。

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