Fidelity Investments推出零费用比特币（BTC），以太坊（ETH）和Litecoin（LTC）IRAS

富达投资正在启动零费用退休计划，该计划将使投资者接触三个主要的加密货币

Fidelity Investments has launched zero-fee retirement plans that will provide investors with exposure to three major cryptocurrencies: Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC).

富达投资已经启动了零收费的退休计划，该计划将为投资者提供三种主要的加密货币：比特币（BTC），以太坊（ETH）和Litecoin（LTC）。

The product is available to US citizens over 18 who reside in states where Fidelity Digital Assets supports crypto individual retirement arrangements (IRAs). The asset manager is offering three different IRA plans.

该产品适用于18岁以上的美国公民，他们居住在富达数字资产支持加密个人退休安排（IRAS）的州。资产经理提供三种不同的IRA计划。

The first plan is a tax-free Roth IRA, which allows investors to save for retirement with already taxed money, while the second is a more “traditional” IRA, which allows for tax-deferred potential earnings growth.

第一个计划是免税的Roth IRA，该计划允许投资者以已征税的钱为退休储蓄，而第二个则是更“传统的” IRA，它允许延长税收的潜在收益增长。

The third plan is a Rollover IRA, which enables investors to transfer funds from a former employer’s plan to an IRA, such as a 401(k), 403(b), or another IRA.

第三个计划是Rollover IRA，它使投资者能够将资金从前雇主的计划转移到IRA，例如401（k），403（b）或其他IRA。

To open a Fidelity Crypto IRA, investors must also hold a Fidelity brokerage IRA with the same registration type, which acts as a funding account.

要开设Fidelity Crypto IRA，投资者还必须拥有具有相同注册类型的Fidelity Brokerage IRA，该注册类型是融资帐户。

Users can transfer funds from the linked brokerage IRA into the crypto IRA to execute trades. If an individual does not already hold a qualifying Fidelity brokerage IRA, the firm will open one in parallel when setting up the crypto IRA.

用户可以将资金从链接的经纪IRA转移到Crypto IRA中以执行交易。如果个人尚未拥有合格的保真经纪IRA，则在设置加密IRA时，该公司将同时开放。

The offering allows users to retain familiar features of traditional Fidelity retirement accounts, including beneficiary management.

该产品允许用户保留传统的忠实退休帐户的熟悉功能，包括受益人管理。

The designated beneficiaries for the Fidelity Crypto IRA mirror those established on the user’s linked brokerage IRA. Customers can make changes to beneficiaries through the brokerage IRA platform.

Fidelity Crypto IRA的指定受益人反映了用户链接的经纪IRA建立的受益人。客户可以通过经纪IRA平台对受益人进行更改。

The move is the latest from Fidelity Digital Assets, Fidelity’s arm that focuses on crypto custody, trading, and management.

此举是Fidelity Digital Assets，Fidelity的手臂的最新动作，该资产专注于加密货币，交易和管理。