<p>加密貨幣的價格圖表看起來像是喝了三杯濃縮咖啡後的心電圖。<strong>比特幣</strong> 在過去五年中上漲了超過 1060%，但在其生命週期中經歷了多次超過 80% 的回撤。</p>
<p>根據皮尤研究中心的一項調查，63% 的美國成年人表示對加密貨幣的安全性或可靠性作為投資幾乎沒有信心。然而，2025 年《傻瓜投資》研究報告發現，調查的美國成年人中有五分之一持有加密貨幣，42% 的受訪者表示他們將在明年購買加密貨幣。</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>比特幣價格數據來源於 YCharts</p>
<p>好消息是，投資加密貨幣並不需要鋼鐵般的神經或超凡的運氣。三個簡單的習慣可以將加密貨幣投資從失眠的竊賊轉變為有利可圖（儘管刺激）的投資。以下是你該做的。</p>
<h2>1. 智能應對波動性</h2>
<p>加密貨幣的波動性是大多數投資者所害怕的龍，但有一個相對簡單的舉動可以將其從對投資組合造成恐慌的過山車之旅轉變為你可以像應對天氣一樣處理的中性事實。</p>
<p>定投（DCA）意味着在設定的時間表上以固定金額購買。當價格下跌時，你會購買更多單位；當價格飆升時，你會購買更少。使用 DCA 策略可以顯著減少與一次性購買相比的最大回撤。在某些情況下，它可能會略微降低你的收益，但對此無需擔心。</p>
<p>這比在價格範圍的最高點意外購買某個幣種要好得多，結果是你的投資立即深陷虧損，持續數月或更長時間。它減輕了壓力，因為它自動化了你的決策過程，消除了情緒的干擾，從而避免了焦慮。</p>
<p>通過經紀公司或交易所交易基金（ETF）進行每週自動購買，將不確定性轉化為有紀律的積累，而無需進行心理上的複雜運算。將購買與你的發薪日掛鈎，讓軟件來完成繁重的工作。</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>圖片來源：Getty Images。</p>
<h2>2. 堅持已建立的贏家</h2>
<p>在你自動化投資的時間和金額後，下一步是收緊你投資的資產。</p>
<p>加密貨幣中有許多糟糕的投資。它們會讓你投資的所有資金損失——在許多情況下，實際上是 100%。沒有必要冒險投資小型山寨幣或表情幣，希望能獲得 10 倍或 100 倍的回報。這些都是可能會摧毀你投資組合價值的陷阱。</p>
<p><strong>以太坊</strong>、<strong>XRP</strong> 和 <strong>索拉納</strong> 與比特幣一起佔據了整個加密市場市值的約 75%，而比特幣單獨佔據了近 61%。它們的流動性更深，交易差價更小，並且有真實的機構研究可以審查，這對於長期投資者來説遠比交易稀薄的表情代幣要好得多。</p>
<p>這些主要幣種也更清晰地映射到股票選擇者已經理解的概念上，比如網絡費用（類似於收入）、開發者活動（研發）和哈希率或驗證者數量（生產能力）。這使得它們更容易評估。</p>
<p>相比之下，小型幣種往往依賴社交媒體炒作和不透明的代幣經濟學，導致投資者對其內在價值感到困惑——而且往往猜測極其錯誤。</p>
<p>堅持領導者可以顯著降低被拉地毯的風險，以及在錢包之間移動不明代幣的麻煩。這也很可能帶來更好的回報，同時減少令人恐懼的回撤。</p>
<h2>3. 不要過度分配你的投資</h2>
<p>即使是對加密貨幣有信心的投資者，也需要一些保護措施。馴服你的加密恐懼的最簡單方法是將你的投資限制在投資組合整體價值的一小部分。這樣，如果你遭受意外的高損失，從長遠來看也不會太重要。</p>
<p>你可以從 1% 開始，全部投資於比特幣，並通過定投逐步增加。在一年後，經過至少一次的市場考驗，重新評估你的心理承受能力。如果你的胃口和投資理論都能堅持，或許可以將分配提高到 3% 到 5%，分散投資於四大主流幣種。</p>
<p>如果一年後你仍然感到自信，可以將你的風險敞口限制在 10% 附近；超過這個閾值，加密貨幣的波動性會劫持投資組合風險，將一個衞星位置變成投資組合的情感重心，這是不理想的。</p>
<p>在你接受加密風險的同時，你可能還想要</p>
<p>在你通過加密投資增加風險的同時，投資組合中的其他資產應該保持乏味。這樣的平衡可以將加密貨幣的劇烈波動轉化為不對稱的上行潛力，而不是生存威脅。</p>

ETHE

<p>這篇文章討論了許多人對投資加密貨幣的擔憂，強調 63% 的美國成年人對其安全性缺乏信心。儘管如此，五分之一的美國人擁有加密貨幣，許多人計劃很快進行投資。文章提供了三種更安全的投資策略：1）使用定投法來管理波動性，2）關注比特幣和以太坊等成熟的加密貨幣，3）將加密投資限制在投資組合的一小部分，以降低風險。這些方法旨在使加密投資變得不那麼緊張和更易於管理</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>加密貨幣的價格圖表看起來像是喝了三杯濃縮咖啡後的心電圖。<strong>比特幣</strong> 在過去五年中上漲了超過 1060%，但在其生命週期中經歷了多次超過 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>根據皮尤研究中心的一項調查，63% 的美國成年人表示對加密貨幣的安全性或可靠性作為投資幾乎沒有信心。然而，2025 年《傻瓜投資》研究報告發現，調查的美國成年人中有五分之一持有加密貨幣，42% 的受訪者表示他們將在明年購買加密貨幣。</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>比特幣價格數據來源於 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，投資加密貨幣並不需要鋼鐵般的神經或超凡的運氣。三個簡單的習慣可以將加密貨幣投資從失眠的竊賊轉變為有利可圖（儘管刺激）的投資。以下是你該做的。</p>
</div><h2>1. Work around volatility intelligently</h2>
<div class="lb-trans"><h2>1. 智能應對波動性</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>加密貨幣的波動性是大多數投資者所害怕的龍，但有一個相對簡單的舉動可以將其從對投資組合造成恐慌的過山車之旅轉變為你可以像應對天氣一樣處理的中性事實。</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）意味着在設定的時間表上以固定金額購買。當價格下跌時，你會購買更多單位；當價格飆升時，你會購買更少。使用 DCA 策略可以顯著減少與一次性購買相比的最大回撤。在某些情況下，它可能會略微降低你的收益，但對此無需擔心。</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>這比在價格範圍的最高點意外購買某個幣種要好得多，結果是你的投資立即深陷虧損，持續數月或更長時間。它減輕了壓力，因為它自動化了你的決策過程，消除了情緒的干擾，從而避免了焦慮。</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>通過經紀公司或交易所交易基金（ETF）進行每週自動購買，將不確定性轉化為有紀律的積累，而無需進行心理上的複雜運算。將購買與你的發薪日掛鈎，讓軟件來完成繁重的工作。</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>圖片來源：Getty Images。</p>
</div><h2>2. Stick to established winners</h2>
<div class="lb-trans"><h2>2. 堅持已建立的贏家</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>在你自動化投資的時間和金額後，下一步是收緊你投資的資產。</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>加密貨幣中有許多糟糕的投資。它們會讓你投資的所有資金損失——在許多情況下，實際上是 100%。沒有必要冒險投資小型山寨幣或表情幣，希望能獲得 10 倍或 100 倍的回報。這些都是可能會摧毀你投資組合價值的陷阱。</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>索拉納</strong> 與比特幣一起佔據了整個加密市場市值的約 75%，而比特幣單獨佔據了近 61%。它們的流動性更深，交易差價更小，並且有真實的機構研究可以審查，這對於長期投資者來説遠比交易稀薄的表情代幣要好得多。</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>這些主要幣種也更清晰地映射到股票選擇者已經理解的概念上，比如網絡費用（類似於收入）、開發者活動（研發）和哈希率或驗證者數量（生產能力）。這使得它們更容易評估。</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，小型幣種往往依賴社交媒體炒作和不透明的代幣經濟學，導致投資者對其內在價值感到困惑——而且往往猜測極其錯誤。</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>堅持領導者可以顯著降低被拉地毯的風險，以及在錢包之間移動不明代幣的麻煩。這也很可能帶來更好的回報，同時減少令人恐懼的回撤。</p>
</div><h2>3. Don't go overboard with your allocation</h2>
<div class="lb-trans"><h2>3. 不要過度分配你的投資</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>即使是對加密貨幣有信心的投資者，也需要一些保護措施。馴服你的加密恐懼的最簡單方法是將你的投資限制在投資組合整體價值的一小部分。這樣，如果你遭受意外的高損失，從長遠來看也不會太重要。</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>你可以從 1% 開始，全部投資於比特幣，並通過定投逐步增加。在一年後，經過至少一次的市場考驗，重新評估你的心理承受能力。如果你的胃口和投資理論都能堅持，或許可以將分配提高到 3% 到 5%，分散投資於四大主流幣種。</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>如果一年後你仍然感到自信，可以將你的風險敞口限制在 10% 附近；超過這個閾值，加密貨幣的波動性會劫持投資組合風險，將一個衞星位置變成投資組合的情感重心，這是不理想的。</p>
</div><p>As you accept crypto risk, you might also want to</p>
<div class="lb-trans"><p>在你接受加密風險的同時，你可能還想要</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>在你通過加密投資增加風險的同時，投資組合中的其他資產應該保持乏味。這樣的平衡可以將加密貨幣的劇烈波動轉化為不對稱的上行潛力，而不是生存威脅。</p>
</div>

你是否屬於數百萬對投資加密貨幣感到恐懼的人之一？以下是三種投資加密貨幣的方法，可以讓你安心入睡