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退休时,你会考虑投资加密货币吗?

对于大多数人来说,投资加密货币就像是赌博。所以说,应该在考虑自己的风险承受能力之后再做投资。

你的401(k)或IRA计划怎么样?根据60%股票和40%债券及其他保守投资组合,典型的401(k)计划将会得到5%至8%的收益。如果你的退休计划不符合预期,你可能会被像比特币这样的加密货币高回报所诱惑。

但是,在将加密货币收入囊中时,你是否应该谨慎一些呢?

退休规划平台Auctus最近进行的一项调查显示,人们对加密货币越来越感兴趣。尽管只有6%的受访者愿意考虑在其退休计划中使用加密货币,但另外14%的受访者仅对这一概念感兴趣,但不确定比特币或者其他数字货币是否适合他们。

比特币在2017年1月收盘价在1,000美元以下。到2017年12月中旬,比特币价格达到了19,300美元的顶峰。到2018年2月5日,价格又跌至7,000美元以下。鉴于比特币过山车式的特殊属性,怎么可以责怪投资者呢?

很少有投资项目在不到一年的时间内增长了19倍。也没有投资项目在两个月内损失了60%以上的价值。

退休账户旨在平衡收益和风险,教你在退休时转向风险较低的投资。比特币和其他加密货币处于高风险、高回报的程度。你能承受其潜在的风险吗?

假设你想投资加密货币,退休账户资金规则不允许你直接购买加密货币并将其转账至IRA或401(k)账户。你需要创建一个新的IRA账户,允许自己设置投资项目或者在比特币投资信托机构中做投资。

当然,与其他投资相比,这两种方法都会产生大量的费用。此外,大多数IRA会要求你让另一家公司为你加密货币购买和/或创建一个法律实体,如允许你直接投资LLC。在做出投资决策时,你需要考虑这些问题。

你始终可以自由选择通过现有交易所买卖比特币,并将其保留在与退休账户分开的应税账户中。由于虚拟货币被认为是财产,因此他们以较低的资本利得税税率征税,所以这种方法有税收上的优势。

退休基金中的加密货币在少数情况下可能具有一定意义。如果你还年轻,能够承受任何重大损失,为什么不尝试利用比特币或类似投资来实现大幅增长呢?将你的购买量保持在投资组合的10%以下。这样的话,如果无法应对潜在风险,则减少购买量。

同时,如果你即将退休,无法投资传统组合项目,可以尝试使用比特币投资。但要明白,如果你的购买行为不当,你的情况会更糟糕。如果投资失败,你会怎么办呢?

保持风险,并将比特币纳入投资组合中的少量高风险组件。如果你正在投资其他加密货币,比如以太坊,莱特币或瑞波币,请确保事先做好项目调查,就像进行任何股票投资一样,了解其风险和增长假设。

对于我们大多数人来说,投资加密货币就像是赌博。考虑自己的风险承受能力之后,再做投资。事实上,我们当中很少有人能够承受失去退休账户中的资金。

无论你计划在哪里退休,确保退休的头号因素是你的401(k)。确保401(k)发挥最大的潜力,通过免费分析来检查你的费用、资金组合和其他因素,从而帮助你实现退休目标。

名词解释:

【401K 企业退休金计划】

1981年创立的一种延后课税退休金计划,相关规定在国税法中第401条款中,因此简称401K。401K适用于私营公司雇员,是由雇主、雇员共同出资一定金额的企业补充养老保险制度,已成为美国私人公司最主要的员工退休计划。雇主会为每位员工设立401K专户,雇员每月可提拨一定比例薪水(约1%至15%薪资,不得超过上限)至该帐户,雇主并会匹配(employer match)一定比例金额到员工401K帐户。投入到401K帐户的钱都不需报税,只有雇员在规定年龄领取时才算收入需要申报个人所得税。

  1. 每年存入上限:2018年上限是$18,500,若年满50则为$24,500(每年会根据通膨调整)
  2. 参加资格:企业有提供者,对收入没有特别限制
  3. 好处:延迟纳税,免征帐户内的存款利息、股息与投资收益所得税
  4. 最低提取年龄限制:59.5岁后可取出,提前领取会有10%罚款
  5. 强制提取年龄:年满70.5岁后,每年必须取出一部分资金,且无法再存入,否则将有罚款发生(此目的主要是为了刺激消费)。
  6. 可提前提取的特殊状况:支付庞大医疗帐单/成为残障人士/失业满12周可提领支付健保费/帐户持有人死亡 / 55岁以后离职、下岗、被解雇或提前退休。
  7. 可向自己的401K帐户申请贷款,但缺点是需要缴交两次税(归还至401K帐户中的是税后收入,而未来提取时则还要再缴一次),贷款利息也不能抵税,反观向银行贷款的利息则是可以抵税。
  8. 401K帐户归雇员所有,离职时雇员可转入自己的IRA帐户,或转入下间公司的指定401K计划基金公司。

【IRA 个人退休金计划】

IRA全名为Individual Retirement Account,是401K以外另一种退休金帐户类别。不论是否有参加其他养老金计划,任何有收入的个人都有资格到设立IRA基金的金融机构开立IRA账户。存入金额可抵税,但提款时则须缴交所得税。IRA帐户具有良好转移机制,雇员在转换工作或退休时,可将401K计划的资金转存到IRA帐户,避免不必要的损失。

  1. 每年存入上限:2018年存入上限是50岁以下$5,500,50岁以上$6,500(每年会根据通膨调整)。
  2. 参加资格:有报税收入、未满70.5岁者均可参加,配偶若无收入,也可设立配偶IRA或共同帐户。
  3. 好处:延迟纳税,免征帐户内的存款利息、股息与投资收益所得税。
  4. 最低提取年龄限制:年满59.5岁才可提出,否则会有10%的额外罚款。
  5. 强制提取年龄:年满70.5岁后,每年须取出最低领款资金,且无法再存入,否则将有罚款发生。
  6. 可提前提取的特殊状况:支付庞大医疗帐单/成为残障人士/失业满12周可提领支付健保费/帐户持有人死亡/房屋首购头期款(依国税局规定,个人只要过去两年没有拥有房子,便可从IRA/ Roth IRA提钱支付买房头款,但每人终身限额为1万元)/ 高等教育学杂费用。
  7. 每年存入截止日:4月15日前后。(若针对2017年报税,则截止日为4/17/2018)

 

How's your 401(k) or IRA doing? A typical 401(k) plan returns from 5% to 8% based on a portfolio of 60% stocks and 40% bonds and other conservative investments. If your retirement plan is not meeting expectations, you may be tempted by the high returns of cryptocurrencies like Bitcoin – but should you be wary of incorporating cryptocurrency into your account?

A recent survey by the retirement planning platform Auctus suggests that people are increasingly intrigued by cryptocurrencies. While only 6% of respondents were willing to consider using cryptocurrencies in their retirement plans, another 14% were interested in the concept but not certain that Bitcoin or similar vehicles were right for them.

Given the exceptional rollercoaster ride of Bitcoin, who could blame investors for being interested? Consider that Bitcoin closed January 2017 at just below $1,000. By mid-December 2017, Bitcoin peaked over $19,300. By February 5, 2018, the price dropped below $7,000.

Few investments grow by a factor of 19 in less than a year. Not many investments lose over 60% of their value in two months' time, either.

Retirement accounts are designed to balance returns and risk, with the balance shifting toward lower risk investments as you near retirement. Bitcoin and other cryptocurrencies are on the far end of the spectrum – high risk, high reward. Can you tolerate the potential risk?

Let's assume you want to forge ahead with a cryptocurrency investment. Retirement account fund rules don't allow you to purchase cryptocurrencies directly and send them to an IRA or 401(k) account. You will either have to create a self-directed IRA that allows you to set your own investment, or invest in the Bitcoin Investment Trust that owns Bitcoins on the behalf of its investors.

Both approaches come with hefty fees compared to other investments. In addition, most of the self-directed IRA custodians will require that you have another company make the cryptocurrency purchases for you and/or create a legal entity such as an LLC that allows you to invest directly. Consider these issues as you make your investment decision.

You always have the option to buy and sell Bitcoin through the existing exchanges and keep it in a taxable account separate from your retirement accounts. Since virtual currencies are considered to be property, they are taxed at the lower capital gains tax rate – so there can be tax advantages to this approach.

Cryptocurrencies in retirement funds may make sense in a few cases. If you are young and can afford to recover from any significant losses, why not try to take advantage of a sharp rise in Bitcoin or similar investment? Keep your purchases below 10% of your portfolio – less if you can't deal with the potential risk.

Meanwhile, if you are nearing retirement and can't possibly catch up with a conventional portfolio, you can try for a "Hail Mary" with a Bitcoin investment – but understand that you will be in even worse shape if your purchase is mistimed. What are your retirement options if the investment fails?

Keep risk in perspective and fit any Bitcoin purchases into the small number of high-risk components of your portfolio. If you are investing in one of the Bitcoin alternatives such as Ethereum, Litecoin, or Ripple, make sure you investigate the program just as you would any stock investment. Understand the risks and growth assumptions.

For most of us, cryptocurrencies are like a trip to a casino. Don't invest any more in cryptocurrencies than you can afford to lose – and few of us can afford to lose retirement account funds.

Regardless of where you plan to retire, the number one factor in ensuring that you can retire on your terms is your 401(k). Make sure that your 401(k) is maximizing its potential with this free analysis that checks your fees, fund mix, and other factors to help you hit your retirement goals.

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评论

  • 小粉红在 2018/05/08 11:31回复

    愿景呢?改炒币投机了?不是取代传统货币那么高大上了?

  • 中年失业前华为工程师在 2018/05/08 11:21回复

    你会把棺材本拿出来炒津巴布韦币吗?

  • t
    token大妈在 2018/05/08 11:18回复

    没兴趣,谢谢。

  • k
    kugb在 2018/05/08 11:15回复

    不会

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