用比特币创造财富的终极指南

与代表公司股权的股票不同，比特币的价格完全取决于下一个人愿意以什么价格购买或出售它。

Cryptocurrency has become a new asset class in the investing community over the past decade. According to research by The Motley Fool, an estimated 75% of people who own crypto view it as an investment. However, the industry isn't perfect, and meme coins and other scams can cost investors their hard-earned money.

过去十年，加密货币已成为投资界的新资产类别。根据 The Motley Fool 的研究，估计 75% 的加密货币持有者将其视为一种投资。然而，这个行业并不完美，模因币和其他骗局可能会让投资者损失辛苦赚来的钱。

That's why Bitcoin (CRYPTO:BTC), the world's first cryptocurrency, is arguably the best cryptocurrency to invest in today.

这就是为什么世界上第一种加密货币比特币（CRYPTO：BTC）可以说是当今最好的投资加密货币。

However, unlike stocks, which represent equity in companies, Bitcoin's price depends solely on what the next person is willing to buy or sell it at. Therefore, getting the most out of your Bitcoin investment might take a specific approach. Here is the ultimate guide to building wealth with Bitcoin.

然而，与代表公司股权的股票不同，比特币的价格完全取决于下一个人愿意以什么价格购买或出售它。因此，要充分利用比特币投资，可能需要采取特定的方法。这是利用比特币创造财富的终极指南。

Understanding Bitcoin's success

了解比特币的成功

You probably already know that Bitcoin's price has increased exponentially over the past decade. It once took thousands of bitcoins to pay for two pizzas. But recently, Bitcoin's price surpassed $100,000 for the first time. How did it get to this point? More importantly, why could it continue?

您可能已经知道，比特币的价格在过去十年中呈指数级增长。曾经需要数千比特币才能支付两个披萨。但最近，比特币的价格首次突破10万美元。怎么就到了这一步了呢？更重要的是，为什么它能够持续下去？

Understanding what you own, whether stocks or Bitcoin, is the first step to maximizing your investment returns.

了解您拥有什么，无论是股票还是比特币，是实现投资回报最大化的第一步。

Bitcoin is an anti-inflationary digital asset, similar to gold, but in digital form. While you generally can't buy groceries with gold coins, society covets gold and assigns value to it. Bitcoin is similar, though its digital nature has helped it gain some traction in commerce. Bitcoin's supply grows at a controlled pace and has a total cap of 21 million bitcoins.

比特币是一种抗通胀的数字资产，类似于黄金，但以数字形式存在。虽然你通常不能用金币购买杂货，但社会觊觎黄金并赋予它价值。比特币是相似的，尽管它的数字性质帮助它在商业中获得了一些吸引力。比特币的供应量以可控的速度增长，比特币总量上限为 2100 万个。

In other words, there's only so much Bitcoin. That's important because Bitcoin's price is in U.S. dollars, a fiat currency. The U.S. Federal Reserve has continually created more dollars, increasing the economy's money supply. Prices rise (inflation) if the money supply increases faster than the amount of available goods and services.

换句话说，比特币的数量就这么多。这很重要，因为比特币的价格以美元（一种法定货币）为单位。美联储不断创造更多美元，增加经济的货币供应量。如果货币供应量的增长速度快于可用商品和服务数量的增长速度，价格就会上涨（通货膨胀）。

As society adopts and covets Bitcoin more, the increased demand against its limited supply drives the price up. Inflation caused by an increasing money supply only adds to that effect. Bitcoin's market cap is approximately $2 trillion today, still just a fraction of gold's (estimated at over $18 trillion). Bitcoin's price could continue rising if society continues coveting Bitcoin and inflation continues.

随着社会更多地采用和垂涎比特币，对其有限供应的需求增加推动了价格上涨。货币供应量增加引起的通货膨胀只会加剧这种影响。如今，比特币的市值约为 2 万亿美元，仍然只是黄金市值（估计超过 18 万亿美元）的一小部分。如果社会继续觊觎比特币并且通货膨胀持续下去，比特币的价格可能会继续上涨。

With Bitcoin's fundamentals laid out, it's time to focus on some practical tips for investing in Bitcoin.

了解了比特币的基本原理后，现在是时候关注一些投资比特币的实用技巧了。

1. Buy Bitcoin slowly and steadily

1. 缓慢而稳定地购买比特币

Since Bitcoin's price depends on buyers and sellers, it can be highly volatile, especially when investors are overly greedy or fearful. That means Bitcoin is prone to boom-and-bust price cycles. Below, you can see that dramatic price declines are par for the course:

由于比特币的价格取决于买家和卖家，因此它可能会高度波动，特别是当投资者过度贪婪或恐惧时。这意味着比特币很容易出现繁荣与萧条的价格周期。下面，您可以看到价格大幅下跌是该课程的常态：

Bitcoin Price data by YCharts

YCharts 提供的比特币价格数据

It can be emotionally challenging to stomach large price swings like this. Consider using a dollar-cost averaging strategy to buy Bitcoin slowly, little by little, so that you gradually accumulate Bitcoin at a price that averages out over time. You probably won't buy at an absolute low point, but it will prevent lousy timing from putting you underwater on your investment.

承受如此大的价格波动可能在情感上具有挑战性。考虑使用美元成本平均策略慢慢地、一点一点地购买比特币，这样你就可以随着时间的推移以平均价格逐渐积累比特币。你可能不会在绝对低点买入，但它可以防止糟糕的时机让你的投资陷入困境。

2. Avoid leverage

2.避免杠杆

Continually rising prices can lull investors into a false sense of invincibility. They can tempt people to borrow money to buy assets or invest in leveraged exchange-traded funds (ETFs). Please remember that leverage is a double-edged sword that feels great when prices rise, but it increases your losses when prices go against you.

持续上涨的价格可能会让投资者产生一种无敌的错误感觉。它们可以诱惑人们借钱购买资产或投资杠杆交易所交易基金（ETF）。请记住，杠杆是一把双刃剑，当价格上涨时，杠杆感觉很好，但当价格对您不利时，它会增加您的损失。

Leverage is one of the most common ways individual investors destroy their portfolios, and it's an exceedingly terrible idea when used in conjunction with a volatile asset like Bitcoin.

杠杆是个人投资者破坏其投资组合的最常见方式之一，当与比特币等波动性资产结合使用时，这是一个极其糟糕的想法。

3. Keep it simple

3. 保持简单

When investing in Bitcoin, people have some choices. They can buy actual Bitcoin, or invest in a spot Bitcoin ETF like the Grayscale Bitcoin Trust (OTC:GBTC).

当投资比特币时，人们有一些选择。他们可以购买实际的比特币，或投资现货比特币 ETF，例如灰度比特币信托基金（OTC：GBTC）。

There are pros and cons to each.

各有利弊。

Investing directly in Bitcoin requires a blockchain wallet or an account with a crypto exchange like Coinbase (NASDAQ:COIN). However, you can buy or sell shares of a spot Bitcoin ETF in a standard brokerage account, just as you would stocks. The ETFs are more convenient but charge fees that can affect your investment returns. Of course, you could lose your blockchain wallet if it's stored offline, and you might not technically own the cryptocurrencies you hold on an exchange. So, the way you go depends on your personal preferences.

直接投资比特币需要区块链钱包或 Coinbase（纳斯达克股票代码：COIN）等加密货币交易所的账户。然而，您可以在标准经纪账户中购买或出售现货比特币 ETF 的股票，就像购买股票一样。 ETF 更方便，但收取的费用可能会影响您的投资回报。当然，如果您的区块链钱包离线存储，您可能会丢失它，并且从技术上讲您可能不拥有在交易所持有的加密货币。所以，你走的路取决于你的个人喜好。

4. Diversify

4.多元化

Bitcoin's fantastic past returns don't guarantee anything about the future. Investors should treat Bitcoin like any other asset and avoid putting all their eggs in one basket. Remember to diversify your investment portfolio. Besides, if Bitcoin eventually goes as high as some people hope, you won't need much to generate massive returns.

比特币过去的出色回报并不能保证未来。投资者应该像对待任何其他资产一样对待比特币，并避免将所有鸡蛋放在一个篮子里。请记住使您的投资组合多样化。此外，如果比特币最终像一些人希望的那样上涨，你不需要太多就能产生巨额回报。