无需花费 10 万美元即可投资比特币的 3 种方法

随着比特币价格最近的飞速上涨，许多投资者想知道如何才能参与其中。但随着一枚比特币的价格超过 10 万美元，您究竟如何投资世界上最有价值的加密货币呢？

With Bitcoin’s recent meteoric rise in price, many investors are wondering how they can get in on the action. But with the price of one Bitcoin exceeding $100,000, how exactly can you invest in the world’s most valuable crypto coin?

随着比特币价格最近的飞速上涨，许多投资者想知道如何才能参与其中。但随着一枚比特币的价格超过 10 万美元，您究竟如何投资世界上最有价值的加密货币呢？

3 ways to invest in Bitcoin without spending $100,000

无需花费 10 万美元即可投资比特币的 3 种方式

One common misconception about buying crypto is that you have to buy the whole coin if you want to invest. This isn’t necessarily the case, though there are plenty of cheaper altcoins you can buy individually. If you want to buy Bitcoin, though, it may be wiser to buy pieces of the coin or Bitcoin-related funds.

关于购买加密货币的一个常见误解是，如果你想投资，就必须购买整个加密货币。情况并非一定如此，尽管您可以单独购买许多更便宜的山寨币。不过，如果您想购买比特币，购买比特币或比特币相关基金可能更明智。

Whichever way you choose to invest, know that investing in crypto can be risky. Prices are only driven by what other people are willing to pay for the coin, not by hard assets such as cash flow or business performance, so keep that in mind before investing your hard-earned cash.

无论您选择哪种投资方式，都要知道投资加密货币可能存在风险。价格仅由其他人愿意为代币支付的价格决定，而不是由现金流或业务绩效等硬资产决定，因此在投资辛苦赚来的现金之前请记住这一点。

Here are three ways to buy Bitcoin, even if you don’t have $100,000.

即使您没有 10 万美元，也可以通过以下三种方式购买比特币。

1. Buy a fraction of a Bitcoin

1. 购买一小部分比特币

If you want to start investing in Bitcoin, the good news is that you have options. You can head to crypto exchanges or online brokerages to buy pieces of the coin — or fractions — rather than an entire unit. If you don’t already have an account with any of these platforms, it’s easy to set one up within a matter of minutes.

如果您想开始投资比特币，好消息是您有选择。您可以前往加密货币交易所或在线经纪公司购买代币的碎片或碎片，而不是整个单位。如果您还没有这些平台的帐户，只需几分钟即可轻松设置。

Each platform has different trade minimums for buying crypto. Webull, for example, has an account minimum of $1 — approximately 0.00001 of a Bitcoin as of mid-January — to trade crypto. If you bought $50 worth of Bitcoin, you’d have approximately 0.00047 of a Bitcoin.

每个平台都有不同的购买加密货币的最低交易额。例如，Webull 的账户最低金额为 1 美元（截至 1 月中旬约为 0.00001 个比特币）用于交易加密货币。如果您购买了价值 50 美元的比特币，您将拥有大约 0.00047 个比特币。

Note that each platform has its own fee structure. Even zero-commission trades may have a spread markup, meaning that the costs are built into a coin’s buy or sell price.

请注意，每个平台都有自己的费用结构。即使是零佣金交易也可能有价差加价，这意味着成本已包含在代币的买入或卖出价格中。

2. Invest in a Bitcoin ETF

2. 投资比特币 ETF

A Bitcoin exchange-traded fund (ETF) might be for you if you want to invest in Bitcoin but prefer not to own Bitcoin directly or manage the inherent risks, such as storage.

如果您想投资比特币，但不想直接拥有比特币或管理存储等固有风险，那么比特币交易所交易基金 (ETF) 可能适合您。

Approved in 2024, Bitcoin ETFs make it easier to invest in Bitcoin and help you avoid the potentially riskier process of using a crypto exchange. Ethereum, the second-largest cryptocurrency, can be bought through ETFs, too.

比特币 ETF 于 2024 年获得批准，使投资比特币变得更加容易，并帮助您避免使用加密货币交易所的潜在风险较高的过程。第二大加密货币以太坊也可以通过 ETF 购买。

Because Bitcoin ETFs track Bitcoin, you should effectively see the same returns — minus expense ratios — as holding the coin directly but without the hassle of safely storing your crypto. The best Bitcoin ETFs are easy to buy and tend to offer low fees.

由于比特币 ETF 跟踪比特币，因此您实际上应该看到与直接持有比特币相同的回报（减去费用比率），但无需安全存储加密货币的麻烦。最好的比特币 ETF 很容易购买，而且费用往往较低。

You can even buy fractional shares of a Bitcoin ETF. More advanced investors may consider trading options on Bitcoin ETFs or getting into Bitcoin futures ETFs.

您甚至可以购买比特币 ETF 的部分股份。更高级的投资者可能会考虑交易比特币 ETF 期权或进入比特币期货 ETF。

Investing in a crypto ETF is still risky, though. If the price of Bitcoin falls, so will the value of Bitcoin ETFs.

不过，投资加密货币 ETF 仍然存在风险。如果比特币价格下跌，比特币 ETF 的价值也会下跌。

3. Invest indirectly in Bitcoin

3. 间接投资比特币

Bitcoin is a big business. If you want to take a step back even further from investing directly in Bitcoin, you could invest in a Bitcoin-related stock or ETF. Some possibilities include:

比特币是一项大生意。如果您想进一步退出直接投资比特币，您可以投资比特币相关股票或 ETF。一些可能性包括：

Should you invest in Bitcoin?

你应该投资比特币吗？

Bitcoin can be part of your broader investment strategy, but it shouldn’t be your only one — if only because crypto is volatile and has no real assets backing its value. Crypto prices rise and fall based solely on investor sentiment and outsize gains in the past don’t guarantee future results. Some advisors recommend only allocating 1 to 2 percent of your portfolio to digital assets.

比特币可以成为您更广泛的投资策略的一部分，但它不应该是您唯一的投资策略——哪怕只是因为加密货币具有波动性并且没有实际资产支持其价值。加密货币价格的上涨和下跌完全取决于投资者的情绪，过去的巨大收益并不能保证未来的结果。一些顾问建议仅将投资组合的 1% 到 2% 分配给数字资产。

Before you consider investing in crypto, get your finances in order. Make sure you have an emergency fund in place, a level of debt you’re able to manage and a diversified investment portfolio. Understand that crypto is speculative and never invest more than you’re willing to lose.

在考虑投资加密货币之前，请先整理好您的财务状况。确保您拥有应急基金、能够管理的债务水平以及多元化的投资组合。了解加密货币是投机性的，投资永远不要超过您愿意损失的金额。

A financial advisor can work with you to create a balanced portfolio that meets your short- and long-term goals — and Bankrate’s AdvisorMatch can help you connect with a CFP® professional.

财务顾问可以与您合作创建一个平衡的投资组合，以满足您的短期和长期目标，而 Bankrate 的 AdvisorMatch 可以帮助您与 CFP® 专业人士建立联系。

Bottom line

底线

If you want exposure to Bitcoin without having to spend more than $100,000 for one coin, there are other ways to invest. You can buy fractions of a Bitcoin on crypto exchanges or brokerage platforms, invest in a Bitcoin ETF or look to crypto-related stocks and ETFs.

如果您想接触比特币而又不想花超过 10 万美元购买一枚比特币，还有其他投资方式。您可以在加密货币交易所或经纪平台上购买比特币的一小部分，投资比特币 ETF 或寻找与加密货币相关的股票和 ETF。