<p>加密货币的价格图表看起来像是喝了三杯浓缩咖啡后的心电图。<strong>比特币</strong> 在过去五年中上涨了超过 1060%，但在其生命周期中经历了多次超过 80% 的回撤。</p>
<p>根据皮尤研究中心的一项调查，63% 的美国成年人表示对加密货币的安全性或可靠性作为投资几乎没有信心。然而，2025 年《傻瓜投资》研究报告发现，调查的美国成年人中有五分之一持有加密货币，42% 的受访者表示他们将在明年购买加密货币。</p>
<p><img src="https://imageproxy.pbkrs.com/https://media.ycharts.com/charts/afa96cdc4750d22317cabec1848978aa.png?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://media.ycharts.com/charts/afa96cdc4750d22317cabec1848978aa.png"/></p>
<p>比特币价格数据来源于 YCharts</p>
<p>好消息是，投资加密货币并不需要钢铁般的神经或超凡的运气。三个简单的习惯可以将加密货币投资从失眠的窃贼转变为有利可图（尽管刺激）的投资。以下是你该做的。</p>
<h2>1. 智能应对波动性</h2>
<p>加密货币的波动性是大多数投资者所害怕的龙，但有一个相对简单的举动可以将其从对投资组合造成恐慌的过山车之旅转变为你可以像应对天气一样处理的中性事实。</p>
<p>定投（DCA）意味着在设定的时间表上以固定金额购买。当价格下跌时，你会购买更多单位；当价格飙升时，你会购买更少。使用 DCA 策略可以显著减少与一次性购买相比的最大回撤。在某些情况下，它可能会略微降低你的收益，但对此无需担心。</p>
<p>这比在价格范围的最高点意外购买某个币种要好得多，结果是你的投资立即深陷亏损，持续数月或更长时间。它减轻了压力，因为它自动化了你的决策过程，消除了情绪的干扰，从而避免了焦虑。</p>
<p>通过经纪公司或交易所交易基金（ETF）进行每周自动购买，将不确定性转化为有纪律的积累，而无需进行心理上的复杂运算。将购买与你的发薪日挂钩，让软件来完成繁重的工作。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MjE0NDYvMy13b3JyaWVkLWludmVzdG9ycy10YWxrLWF0LWEtdGFibGUuanBnJnc9NzAw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MjE0NDYvMy13b3JyaWVkLWludmVzdG9ycy10YWxrLWF0LWEtdGFibGUuanBnJnc9NzAw"/></p>
<p>图片来源：Getty Images。</p>
<h2>2. 坚持已建立的赢家</h2>
<p>在你自动化投资的时间和金额后，下一步是收紧你投资的资产。</p>
<p>加密货币中有许多糟糕的投资。它们会让你投资的所有资金损失——在许多情况下，实际上是 100%。没有必要冒险投资小型山寨币或表情币，希望能获得 10 倍或 100 倍的回报。这些都是可能会摧毁你投资组合价值的陷阱。</p>
<p><strong>以太坊</strong>、<strong>XRP</strong> 和 <strong>索拉纳</strong> 与比特币一起占据了整个加密市场市值的约 75%，而比特币单独占据了近 61%。它们的流动性更深，交易差价更小，并且有真实的机构研究可以审查，这对于长期投资者来说远比交易稀薄的表情代币要好得多。</p>
<p>这些主要币种也更清晰地映射到股票选择者已经理解的概念上，比如网络费用（类似于收入）、开发者活动（研发）和哈希率或验证者数量（生产能力）。这使得它们更容易评估。</p>
<p>相比之下，小型币种往往依赖社交媒体炒作和不透明的代币经济学，导致投资者对其内在价值感到困惑——而且往往猜测极其错误。</p>
<p>坚持领导者可以显著降低被拉地毯的风险，以及在钱包之间移动不明代币的麻烦。这也很可能带来更好的回报，同时减少令人恐惧的回撤。</p>
<h2>3. 不要过度分配你的投资</h2>
<p>即使是对加密货币有信心的投资者，也需要一些保护措施。驯服你的加密恐惧的最简单方法是将你的投资限制在投资组合整体价值的一小部分。这样，如果你遭受意外的高损失，从长远来看也不会太重要。</p>
<p>你可以从 1% 开始，全部投资于比特币，并通过定投逐步增加。在一年后，经过至少一次的市场考验，重新评估你的心理承受能力。如果你的胃口和投资理论都能坚持，或许可以将分配提高到 3% 到 5%，分散投资于四大主流币种。</p>
<p>如果一年后你仍然感到自信，可以将你的风险敞口限制在 10% 附近；超过这个阈值，加密货币的波动性会劫持投资组合风险，将一个卫星位置变成投资组合的情感重心，这是不理想的。</p>
<p>在你接受加密风险的同时，你可能还想要</p>
<p>在你通过加密投资增加风险的同时，投资组合中的其他资产应该保持乏味。这样的平衡可以将加密货币的剧烈波动转化为不对称的上行潜力，而不是生存威胁。</p>

ETHE

<p>这篇文章讨论了许多人对投资加密货币的担忧，强调 63% 的美国成年人对其安全性缺乏信心。尽管如此，五分之一的美国人拥有加密货币，许多人计划很快进行投资。文章提供了三种更安全的投资策略：1）使用定投法来管理波动性，2）关注比特币和以太坊等成熟的加密货币，3）将加密投资限制在投资组合的一小部分，以降低风险。这些方法旨在使加密投资变得不那么紧张和更易于管理</p>

<p>Cryptocurrencies' price charts look like a cardiogram after a triple espresso. <strong>Bitcoin</strong> is up more than 1,060% in the last five years, but it has experienced multiple drawdowns in excess of 80% in its lifetime so far.</p>
<div class="lb-trans"><p>加密货币的价格图表看起来像是喝了三杯浓缩咖啡后的心电图。<strong>比特币</strong> 在过去五年中上涨了超过 1060%，但在其生命周期中经历了多次超过 80% 的回撤。</p>
</div><p>It's little wonder that 63% of U.S. adults say they have little to no confidence in crypto's safety or reliability as an investment, per a survey by Pew Research. However, a 2025 Motley Fool research report found that 1 in 5 of the American adults it surveyed held cryptocurrencies, and 42% of those surveyed claimed they would buy crypto in the next year.</p>
<div class="lb-trans"><p>根据皮尤研究中心的一项调查，63% 的美国成年人表示对加密货币的安全性或可靠性作为投资几乎没有信心。然而，2025 年《傻瓜投资》研究报告发现，调查的美国成年人中有五分之一持有加密货币，42% 的受访者表示他们将在明年购买加密货币。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://media.ycharts.com/charts/afa96cdc4750d22317cabec1848978aa.png" alt="" original-src="https://media.ycharts.com/charts/afa96cdc4750d22317cabec1848978aa.png"/></p>
<p>Bitcoin Price data by YCharts</p>
<div class="lb-trans"><p>比特币价格数据来源于 YCharts</p>
</div><p>The good news is that you do not need steel nerves or uncanny luck to invest in cryptocurrency. Three straightforward habits can turn cryptocurrency investments from sleep thieves to profitable (if exciting) investments. Here's what to do.</p>
<div class="lb-trans"><p>好消息是，投资加密货币并不需要钢铁般的神经或超凡的运气。三个简单的习惯可以将加密货币投资从失眠的窃贼转变为有利可图（尽管刺激）的投资。以下是你该做的。</p>
</div><h2>1. Work around volatility intelligently</h2>
<div class="lb-trans"><h2>1. 智能应对波动性</h2>
</div><p>Volatility in cryptocurrencies is the dragon most investors fear, yet there's a relatively easy move that can turn it from a terror-inducing roller-coaster ride with your portfolio in the balance into a neutral fact of life that you can work around like it's the weather.</p>
<div class="lb-trans"><p>加密货币的波动性是大多数投资者所害怕的龙，但有一个相对简单的举动可以将其从对投资组合造成恐慌的过山车之旅转变为你可以像应对天气一样处理的中性事实。</p>
</div><p>Dollar-cost averaging (DCA) means buying a fixed dollar amount on a set schedule. When prices fall, you pick up more units; when they soar, you grab fewer. Using a DCA strategy can meaningfully reduce your maximum drawdowns compared with lump-sum buys. It also might reduce your returns a little bit under certain circumstances, but don't fret about that at all.</p>
<div class="lb-trans"><p>定投（DCA）意味着在设定的时间表上以固定金额购买。当价格下跌时，你会购买更多单位；当价格飙升时，你会购买更少。使用 DCA 策略可以显著减少与一次性购买相比的最大回撤。在某些情况下，它可能会略微降低你的收益，但对此无需担心。</p>
</div><p>It's a lot better than accidentally buying a coin at the very top of its price range, only to see your investment immediately go deeply underwater for months or longer. It takes the pressure off because it automates your decision-making, taking emotion out of the loop and preventing anxiety in the process.</p>
<div class="lb-trans"><p>这比在价格范围的最高点意外购买某个币种要好得多，结果是你的投资立即深陷亏损，持续数月或更长时间。它减轻了压力，因为它自动化了你的决策过程，消除了情绪的干扰，从而避免了焦虑。</p>
</div><p>A weekly auto-purchase through a brokerage or an exchange-traded fund (ETF) converts the uncertainty into disciplined accumulation without mental gymnastics. Tie the buy to your payday and let the software do the heavy lifting.</p>
<div class="lb-trans"><p>通过经纪公司或交易所交易基金（ETF）进行每周自动购买，将不确定性转化为有纪律的积累，而无需进行心理上的复杂运算。将购买与你的发薪日挂钩，让软件来完成繁重的工作。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MjE0NDYvMy13b3JyaWVkLWludmVzdG9ycy10YWxrLWF0LWEtdGFibGUuanBnJnc9NzAw" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F821446%2F3-worried-investors-talk-at-a-table.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>图片来源：Getty Images。</p>
</div><h2>2. Stick to established winners</h2>
<div class="lb-trans"><h2>2. 坚持已建立的赢家</h2>
</div><p>After you automate when and how much to invest, the next step is to tighten up the assets you're investing in.</p>
<div class="lb-trans"><p>在你自动化投资的时间和金额后，下一步是收紧你投资的资产。</p>
</div><p>There are many terrible investments in cryptocurrency. They will lose all of the money you invest -- in many cases, literally 100% of it. There is no need to go out on a limb and invest in small altcoins or meme coins in hopes of generating 10 times or 100 times your money. Those are traps that can literally destroy your portfolio's value.</p>
<div class="lb-trans"><p>加密货币中有许多糟糕的投资。它们会让你投资的所有资金损失——在许多情况下，实际上是 100%。没有必要冒险投资小型山寨币或表情币，希望能获得 10 倍或 100 倍的回报。这些都是可能会摧毁你投资组合价值的陷阱。</p>
</div><p><strong>Ethereum</strong>, <strong>XRP</strong>, and <strong>Solana</strong> join Bitcoin in commanding roughly 75% of the entire crypto market cap, with Bitcoin alone hovering near 61%. Their liquidity is deeper, trading spreads are tighter, and there is real institutional research to scrutinize, which is far better terrain for long-term investors than thinly traded meme tokens.</p>
<div class="lb-trans"><p><strong>以太坊</strong>、<strong>XRP</strong> 和 <strong>索拉纳</strong> 与比特币一起占据了整个加密市场市值的约 75%，而比特币单独占据了近 61%。它们的流动性更深，交易差价更小，并且有真实的机构研究可以审查，这对于长期投资者来说远比交易稀薄的表情代币要好得多。</p>
</div><p>These majors also map more cleanly onto concepts that stock pickers already understand, like network fees (akin to revenue), developer activity (research and development), and hash rate or validator count (production capacity). That makes them a lot easier to evaluate.</p>
<div class="lb-trans"><p>这些主要币种也更清晰地映射到股票选择者已经理解的概念上，比如网络费用（类似于收入）、开发者活动（研发）和哈希率或验证者数量（生产能力）。这使得它们更容易评估。</p>
</div><p>In contrast, smaller coins often live or die by social media hype and opaque tokenomics, leaving investors guessing about their intrinsic value -- and often guessing extremely incorrectly.</p>
<div class="lb-trans"><p>相比之下，小型币种往往依赖社交媒体炒作和不透明的代币经济学，导致投资者对其内在价值感到困惑——而且往往猜测极其错误。</p>
</div><p>Sticking to leaders dramatically reduces both rug-pull risk and the headache of moving obscure tokens between wallets. It will very likely power better returns with fewer frightening pullbacks, too.</p>
<div class="lb-trans"><p>坚持领导者可以显著降低被拉地毯的风险，以及在钱包之间移动不明代币的麻烦。这也很可能带来更好的回报，同时减少令人恐惧的回撤。</p>
</div><h2>3. Don't go overboard with your allocation</h2>
<div class="lb-trans"><h2>3. 不要过度分配你的投资</h2>
</div><p>Even crypto believers with patience and careful investing habits need guardrails. The easiest way to tame your crypto fears is to keep your dabbling limited to a small proportion of your portfolio's overall value. That way, if you suffer unexpectedly high losses, it won't be that meaningful in the long term.</p>
<div class="lb-trans"><p>即使是对加密货币有信心的投资者，也需要一些保护措施。驯服你的加密恐惧的最简单方法是将你的投资限制在投资组合整体价值的一小部分。这样，如果你遭受意外的高损失，从长远来看也不会太重要。</p>
</div><p>You could perhaps start at 1%, all in Bitcoin, and grow it via dollar-cost averaging. After a year and at least one gut-check dip, reassess your nerves. If your stomach and thesis both hold, maybe nudge toward an allocation of 3% to 5%, spread across the big four.</p>
<div class="lb-trans"><p>你可以从 1% 开始，全部投资于比特币，并通过定投逐步增加。在一年后，经过至少一次的市场考验，重新评估你的心理承受能力。如果你的胃口和投资理论都能坚持，或许可以将分配提高到 3% 到 5%，分散投资于四大主流币种。</p>
</div><p>If you're still feeling confident a year later, you could cap your exposure near 10%; beyond that threshold, crypto's volatility hijacks portfolio risk, turning a satellite position into the portfolio's emotional center of gravity, which isn't desirable.</p>
<div class="lb-trans"><p>如果一年后你仍然感到自信，可以将你的风险敞口限制在 10% 附近；超过这个阈值，加密货币的波动性会劫持投资组合风险，将一个卫星位置变成投资组合的情感重心，这是不理想的。</p>
</div><p>As you accept crypto risk, you might also want to</p>
<div class="lb-trans"><p>在你接受加密风险的同时，你可能还想要</p>
</div><p>Other things in your portfolio should stay boring the more risk you accept via a crypto allocation. That ballast turns crypto's wild moves into asymmetric upside rather than an existential threat.</p>
<div class="lb-trans"><p>在你通过加密投资增加风险的同时，投资组合中的其他资产应该保持乏味。这样的平衡可以将加密货币的剧烈波动转化为不对称的上行潜力，而不是生存威胁。</p>
</div>

你是否属于数百万对投资加密货币感到恐惧的人之一？以下是三种投资加密货币的方法，可以让你安心入睡