父母正在抛弃529个计划，将比特币作为大学储蓄车投资

为了帮助他们的孩子在经济上取得成功，尽管风险和波动性有风险和波动，但家庭仍将他们的钱投入加密货币作为大学储蓄计划。

Families are putting their money into cryptocurrencies as a college savings plan despite the risk and volatility.

尽管冒险和波动性，但家庭仍将他们的钱投入加密货币作为大学储蓄计划。

Some are putting their children's college savings into Bitcoin, hoping to beat inflation and rising tuition costs.

有些人将孩子的大学储蓄投入比特币中，希望超过通货膨胀和学费上涨。

Others say stock gains aren't good enough, while some financial advisors say it's a fair way to diversify.

其他人则说，股票收益不够好，而一些财务顾问说，这是多元化的公平方式。

Bitcoin's value has increased by over 500% from the "crypto winter" low, and many believe the OG token's ascent is far from over.

比特币的价值比“加密冬季”低的低点增加了500％，许多人认为OG代币的上升还远远没有结束。

After trading hands for less than $16,000 in November 2022, the world's largest cryptocurrency finally crossed the $100,000 threshold in December last year and is hovering around that level.

在2022年11月以不到16,000美元的价格交易之后，世界上最大的加密货币终于超过了去年12月的100,000美元门槛，并且徘徊在该水平上。

Some parents say their children have enough time if they start early to weather Bitcoin's extreme volatility and still make large returns to fund their children's college.

一些父母说，如果他们早点开始天气比特币的极端波动，并且仍然有大量回报以资助孩子的大学，他们的孩子有足够的时间。

Bitcoin experienced a revival in interest and investment last year with the launch of Bitcoin exchange-traded funds.

去年，随着比特币交易所交易资金的推出，比特币经历了利息和投资的复兴。

The asset's recovery has been highlighted by its surge subsequent to President Donald Trump's election and his embrace of the industry as a whole.

唐纳德·特朗普总统的当选以及整个行业的拥抱之后，资产的复苏得到了强调。

Distributing a portion of a child's assets to Bitcoin could align with specific ideas of traditional financial responsibility, even though most financial advisors would not recommend full investment in Bitcoin.

即使大多数财务顾问不建议对比特币投资，将儿童资产的一部分分配给比特币可能与传统财务责任的特定想法保持一致。

Investors with longer time horizons may afford to take more risk, says Stanford's Initiative for Financial Decision-Making head Annamaria Lusardi, who also suggests using a small number of cryptocurrencies in a diversified portfolio.

斯坦福大学的财务决策负责人安娜玛里亚·卢萨迪（Annamaria Lusardi）表示，远景时间更长的投资者可能会承担更多的风险，他还建议在多元化的投资组合中使用少量加密货币。

For first-time investors, she recommends the tax-free and easy-to-understand Roth IRA.

对于首次投资者，她建议您免税且易于理解的Roth IRA。

Cryptocurrency is helping some parents save even more for education. One year at a prestigious private university can cost up to $100,000, so investing in regular stocks won't cut it.

加密货币正在帮助一些父母为教育节省更多。一年在一所著名的私立大学的一年可能的费用高达100,000美元，因此投资常规股不会削减它。

The same is true for Alex Crognale, a professional soccer player.

专业足球运动员Alex Crognale也是如此。

This 30-year-old knew he wanted to do everything he could to aid his wife's financial situation after she had her first child last year.

这位30岁的年轻人知道，他去年生了第一个孩子后，他想尽一切可能帮助妻子的财务状况。

On the other hand, Bitcoin appeals to him as a more versatile kind of wealth than the standard 529 plans, whose returns in the past have disappointed him.

另一方面，比特币吸引了他比标准529计划更具用途的财富，而标准的529计划使他的回报使他失望。

My daughter was born 2 weeks ago. I’m NOT opening a 529 savings acct for her. Here’s what I’m doing instead:In addition to stacking bitcoin, we are opening a brokerage account that will serve as her primary savings vehicle. What would you buy to hold for the next 18 years?…

我的女儿2周前出生。我不是为她开设529节的ACCT。这是我正在做的事情：除了堆叠比特币外，我们还开设了一个经纪帐户，该帐户将作为她的主要储蓄工具。在接下来的18年中，您会买什么？…

When invested in a 529 plan, residents of many states can deduct their state income taxes, put the money to grow tax-deferred, and then withdraw it tax-free for higher education expenses.

当投资529个计划时，许多州的居民可以扣除其州所得税，投入资金来增加税收剥夺，然后将其免税用于高等教育费用。

However, crypto does not come with any such advantages.

但是，加密没有任何这样的优势。

Moreover, even crypto-sceptical parents may find it challenging to dissuade their children from engaging with the asset class. Bitcoin has attained such popular status that their children may already be aficionados, influenced by the enthusiasm of their friends.

此外，即使是加密的父母，也可能会发现劝阻孩子与资产类别互动是一项挑战。比特币已经获得了如此受欢迎的地位，以至于他们的孩子可能已经是狂热者，受到朋友的热情的影响。