Fidelity通过比特币和两个山寨币启动加密退休选项

Fidelity Investments推出了一项新的零收费退休计划，旨在使投资者接触比特币（BTC），以太坊（ETH）和Litecoin（LTC）等主要加密货币。

Fidelity Investments has launched a lineup of zero-fee retirement plans that provide exposure to major cryptocurrencies, including Bitcoin (BTC), Ethereum (ETH), and Litecoin (LTC).

Fidelity Investments启动了一个零收费的退休计划，这些计划提供了主要的加密货币，包括比特币（BTC），以太坊（ETH）和Litecoin（LTC）。

These plans are designed for U.S. residents over the age of 18, specifically in states where Fidelity Digital Assets supports crypto individual retirement arrangements (IRAs).

这些计划是为18岁以上的美国居民设计的，特别是在富达数字资产支持加密个人退休安排（IRA）的州。

The investment giant is introducing three distinct IRA options. The first is a Roth IRA, which offers tax-free savings using already taxed income.

这家投资巨头推出了三种不同的IRA选项。第一个是罗斯IRA，它使用已经征税的收入提供免税储蓄。

The second is a traditional IRA, designed for tax-deferred growth on potential earnings.

第二个是传统的IRA，旨在为潜在的收入增长而增长。

The third is a Rollover IRA, which allows users to transfer funds from previous employer-sponsored retirement plans, such as a 401(k) or 403(b), into a crypto IRA.

第三个是翻车IRA，它允许用户从以前的雇主资助的退休计划（例如401（k）或403（b））转移资金到加密IRA。

To open a Crypto IRA with Fidelity, users must also have a corresponding Fidelity brokerage IRA, which serves as the funding account. If the customer does not already have one, Fidelity will set it up concurrently. Once linked, users can transfer money between the brokerage and crypto IRAs to facilitate trading.

要开设具有Fidelity的加密IRA，用户还必须拥有相应的Fidelity Brokerage IRA，该经纪人用作资金帐户。如果客户还没有一个，Fidelity将同时设置它。链接后，用户可以在经纪和加密IRA之间转移资金，以促进交易。

The crypto IRA provides access to Bitcoin, Ethereum, and Litecoin, focusing on well-known digital assets with higher market capitalization and liquidity.

Crypto IRA提供了对比特币，以太坊和Litecoin的访问权限，重点是具有更高市值和流动性的众所周知的数字资产。

There are no maintenance or account fees for setting up and holding a Fidelity Crypto IRA. However, a 1% spread will apply to buy and sell transactions. This spread represents the difference between the internal acquisition cost of the asset and the price provided to the client.

没有维护或帐户费用来设置和持有Fidelity Crypto IRA。但是，将有1％的利差适用于买卖交易。这种价差代表资产的内部采集成本与提供给客户的价格之间的差异。

The structure of the Crypto IRA also aligns with traditional Fidelity retirement accounts, enabling users to designate beneficiaries through the linked brokerage IRA platform. Any changes to beneficiaries must be made via the same platform.

加密IRA的结构还与传统的保真退休帐户保持一致，使用户能够通过链接的经纪IRA平台指定受益人。对受益人的任何更改都必须通过同一平台进行。

This initiative is part of Fidelity Digital Assets’ broader strategy to connect traditional finance with the evolving crypto market, emphasizing security and seamless integration for retirement-oriented investors.

该计划是Fidelity Digital Assets的更广泛战略的一部分，该战略将传统财务与不断发展的加密市场联系起来，强调安全性和无缝集成以退休为导向的投资者。

This latest move by Fidelity further expands the options available to investors interested in incorporating crypto into their long-term investment and retirement portfolio strategies.

Fidelity的最新举动进一步扩大了有兴趣将加密货币纳入其长期投资和退休投资组合策略的投资者可用的选择。