如何投资比特币（BTC）

尽管比特币最初被设想为一种支付技术，但如今大多数人认为它是一种投资资产——可以储蓄的东西

Bitcoin began as a technology for payments, but today most people use it as an investment asset. You can save in a Bitcoin IRA or add it to your portfolio as an alternative asset. Many people use cryptocurrency as a hedge against inflation or to get diversification in their portfolios. Bitcoin has experienced astronomical growth and has outpaced recent gains on major stock market indices, making it an attractive alternative.

比特币最初是一种支付技术，但如今大多数人将其用作投资资产。您可以存入比特币 IRA 或将其作为替代资产添加到您的投资组合中。许多人使用加密货币来对冲通货膨胀或实现投资组合的多元化。比特币经历了天文数字的增长，并且超过了主要股市指数近期的涨幅，使其成为一个有吸引力的替代品。

Compared to blue chip stocks like Pfizer, Nike, or Nestle, Bitcoin is quite young. It was launched in 2009, and its price has skyrocketed. In 2010, Laszlo Hanyecz, a software developer and an early believer in Bitcoin’s value, famously paid 10,000 Bitcoins for pizza. Today, those coins would be worth over $580 million.

与辉瑞、耐克或雀巢等蓝筹股相比，比特币还相当年轻。它于2009年推出，价格一路飙升。 2010 年，软件开发人员、比特币价值的早期信徒 Laszlo Hanyecz 因支付 10,000 比特币购买披萨而闻名。如今，这些硬币的价值将超过 5.8 亿美元。

Since then, Bitcoin’s price has continued to climb. At the beginning of 2024, its price was $44,187. By March 2024, its price reached its highest level ever, surpassing $73,079.

此后，比特币的价格持续攀升。 2024年初，其价格为44,187美元。到 2024 年 3 月，其价格达到历史最高水平，超过 73,079 美元。

“The potential benefits of investing in crypto are potentially higher returns than a more traditional stock and bond portfolio may yield on its own,” said Drew Feutz, a certified financial planner (CFP) with Migration Wealth Management.

移民财富管理公司的注册财务规划师 (CFP) 德鲁·福茨 (Drew Feutz) 表示：“投资加密货币的潜在好处是，其回报可能比更传统的股票和债券投资组合本身更高。”

However, Bitcoin often experiences price fluctuations and dips. As of September 2024, its price had dropped to about $58,000.

然而，比特币的价格经常会出现波动和下跌。截至2024年9月，其价格已降至约58,000美元。

What factors impact the price of Bitcoin?

哪些因素影响比特币的价格？

Bitcoin’s prices rise and fall for a variety of reasons. While the price of stocks can fluctuate based on company performance or industry news, Bitcoin is affected by other factors:

比特币的价格上涨和下跌的原因有多种。虽然股票价格可能会根据公司业绩或行业新闻而波动，但比特币还受到其他因素的影响：

Bitcoin halving events: Every four years or so, the number of new Bitcoins created is cut in half. This event can impact the supply and demand of Bitcoin in the market and influence its price.

比特币减半事件：每四年左右，新创建的比特币数量就会减少一半。该事件可能会影响市场上比特币的供需并影响其价格。

Demand and supply in the market: The price of Bitcoin is largely determined by how much people want to buy it in relation to how much of it is available on cryptocurrency exchanges. Higher demand usually leads to higher prices, while less demand can cause prices to fall.

市场的需求和供应：比特币的价格很大程度上取决于人们购买比特币的意愿与加密货币交易所上可用比特币的数量之间的关系。需求增加通常会导致价格上涨，而需求减少则导致价格下跌。

Relative strength index (RSI): This technical analysis indicator measures the magnitude of recent price changes to evaluate whether an asset is overbought or overvalued. Higher RSI values can indicate that an asset is due for a price decrease, while lower RSI values may suggest that an asset is undervalued.

相对强度指数（RSI）：该技术分析指标衡量近期价格变化的幅度，以评估资产是否超买或高估。较高的 RSI 值可能表明资产价格应下跌，而较低的 RSI 值可能表明资产被低估。

Fear and greed index: The crypto fear and greed index tracks traders’ emotions and sentiments towards Bitcoin and other cryptocurrencies on a scale of 0 to 100. Higher values on the index indicate greater bullishness in the market, which may be linked to higher prices.

恐惧和贪婪指数：加密货币恐惧和贪婪指数以 0 到 100 的范围跟踪交易者对比特币和其他加密货币的情绪和情绪。该指数值越高表明市场更加看涨，这可能与价格上涨有关。

How to invest in Bitcoin

如何投资比特币

There are a few different ways to invest in Bitcoin.

投资比特币有几种不同的方式。

Buy Bitcoin directly through a cryptocurrency exchange

直接通过加密货币交易所购买比特币

One of the most popular ways to invest in cryptocurrency is to buy Bitcoin directly. You can do this by opening an account with a cryptocurrency exchange. Once your account is created, you can sync it with your bank account and use your money to buy Bitcoin.

投资加密货币最流行的方式之一是直接购买比特币。您可以通过在加密货币交易所开设账户来做到这一点。创建帐户后，您可以将其与您的银行帐户同步并用您的钱购买比特币。

Invest in a Bitcoin IRA

投资比特币 IRA

Another way to invest in Bitcoin is to open a Bitcoin IRA. A Bitcoin IRA is a tax-advantaged retirement account that allows you to invest in Bitcoin and other cryptocurrencies. Bitcoin IRAs have the same tax benefits and contribution limits as traditional or Roth IRAs, but you can invest in alternative assets.

投资比特币的另一种方式是开设比特币 IRA。比特币 IRA 是一个税收优惠的退休账户，允许您投资比特币和其他加密货币。比特币 IRA 与传统 IRA 或 Roth IRA 具有相同的税收优惠和缴款限额，但您可以投资另类资产。

Consider cryptocurrency ETFs

考虑加密货币 ETF

A relatively new way to invest in Bitcoin is through a crypto exchange-traded fund (ETF). With these ETFs, you don’t directly own Bitcoin, but the performance of the ETF will reflect Bitcoin’s performance.

投资比特币的一种相对较新的方式是通过加密货币交易所交易基金（ETF）。有了这些 ETF，您并不直接拥有比特币，但 ETF 的表现将反映比特币的表现。

Crypto ETFs allow you to buy and sell shares through an investment brokerage account, without the need to worry about storage for cryptocurrency or opening a separate cryptocurrency exchange account.

加密货币 ETF 允许您通过投资经纪账户买卖股票，无需担心加密货币的存储或开设单独的加密货币交易账户。

Invest in cryptocurrency-related stocks

投资加密货币相关股票

For those wary of investing directly in Bitcoin, another option is to invest in cryptocurrency-focused stocks. Potential options include publicly traded cryptocurrency exchanges, technology firms, and payment processors; these companies may use Bitcoin or use it in their operations, so you’ll indirectly benefit from Bitcoin’’s performance.

对于那些对直接投资比特币持谨慎态度的人来说，另一种选择是投资以加密货币为重点的股票。潜在的选择包括公开交易的加密货币交易所、技术公司和支付处理商；这些公司可能会使用比特币或在其运营中使用比特币，因此您将间接受益于比特币的表现。

Is it a good time to invest in Bitcoin?

现在是投资比特币的好时机吗？

Bitcoin is still a relatively new asset, but it has displayed impressive past performance, and more and more companies are using it or accepting it as a payment method. As Bitcoin becomes more established, it may experience fewer fluctuations in price too.

比特币仍然是一种相对较新的资产，但它过去的表现令人印象深刻，越来越多的公司正在使用它或接受它作为支付方式。随着比特币变得更加成熟，它的价格波动也可能会减少。

“Bitcoin’s price volatility is steadily decreasing over the years,” said Brady Swenson, co-founder and head of product marketing at Swan Bitcoin. “As a far more liquid asset, its price volatility is lower than relatively illiquid cryptos.”

Swan Bitcoin 联合创始人兼产品营销主管 Brady Swenson 表示：“多年来，比特币的价格波动性正在稳步下降。” “作为一种流动性更强的资产，其价格波动性低于流动性相对较差的加密货币。”

If you plan on holding onto your investment for the long haul, investing money into Bitcoin could be a good choice.

如果您打算长期持有投资，那么将资金投资于比特币可能是一个不错的选择。

“It’s always a good time to invest in Bitcoin with a long-time horizon, [such as] 10 or more years,”

“现在是长期投资比特币的好时机，例如 10 年或更长。”