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2021-04-14
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How much money should I spend on Coinbase stock? Financial advisers offer guidance to young investors<blockquote>我应该花多少钱购买Coinbase股票？财务顾问为年轻投资者提供指导</blockquote>
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{"i18n":{"language":"zh_CN"},"detailType":1,"isChannel":false,"data":{"magic":2,"id":344199093,"tweetId":"344199093","gmtCreate":1618383934712,"gmtModify":1618383934712,"author":{"id":3577730010179289,"idStr":"3577730010179289","authorId":3577730010179289,"authorIdStr":"3577730010179289","name":"Saba","avatar":"https://static.laohu8.com/default-avatar.jpg","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":11,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":3,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"extraTitle":"","html":"<html><head></head><body><p>Good advice</p></body></html>","htmlText":"<html><head></head><body><p>Good advice</p></body></html>","text":"Good advice","highlighted":1,"essential":1,"paper":1,"likeSize":1,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://laohu8.com/post/344199093","repostId":2127475490,"repostType":4,"repost":{"id":"2127475490","kind":"highlight","pubTimestamp":1618381530,"share":"https://www.laohu8.com/m/news/2127475490?lang=zh_CN&edition=full","pubTime":"2021-04-14 14:25","market":"us","language":"en","title":"How much money should I spend on Coinbase stock? Financial advisers offer guidance to young investors<blockquote>我应该花多少钱购买Coinbase股票？财务顾问为年轻投资者提供指导</blockquote>","url":"https://stock-news.laohu8.com/highlight/detail?id=2127475490","media":"MarketWatch","summary":"'They have these dollar signs in their eyes,' one adviser said\nCoinbase, the cryptocurrency exchange","content":"<p>'They have these dollar signs in their eyes,' one adviser said</p><p><blockquote>一位顾问说，他们眼里有这些美元符号</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/c539dde9d7036fedca154bf524c82b75\" tg-width=\"620\" tg-height=\"431\"><span>Coinbase, the cryptocurrency exchange, goes public Wednesday. MARKETWATCH ILLUSTRATION</span></p><p><blockquote><p class=\"t-img-caption\"><span>加密货币交易所Coinbase将于周三上市。MARKETWATCH插图</span></p></blockquote></p><p> There's investing with \"play money\" and then there's playing with fire.</p><p><blockquote>有用“游戏币”投资，也有玩火。</blockquote></p><p> As Coinbase, the cryptocurrency exchange, goes public on Wednesday, financial advisers want you to remember the difference.</p><p><blockquote>随着加密货币交易所Coinbase于周三上市，财务顾问希望您记住其中的区别。</blockquote></p><p> With retail investor ranks swelling,there’s growing allure in finding and profiting off the next new thing.</p><p><blockquote>随着散户投资者队伍的壮大，寻找下一个新事物并从中获利的吸引力越来越大。</blockquote></p><p> Enter Coinbase, a platform with 56 million verified users that enables the purchase and sale of crytpocurrencies like Bitcoin , which appear to just keep increasing in value.</p><p><blockquote>比特币基地是一个拥有5600万经过验证的用户的平台，可以买卖比特币等加密货币，这些货币的价值似乎在不断增加。</blockquote></p><p> An obvious investment, considering the expert take that cryptocurrency is at a \"tipping point,\" right?</p><p><blockquote>考虑到专家认为加密货币正处于“临界点”，这是一项显而易见的投资，对吗？</blockquote></p><p> Not necessarily. Do so with prudence, say financial advisers.</p><p><blockquote>不一定。财务顾问表示，要谨慎行事。</blockquote></p><p> Experts say it's always been risky to invest in companies just as they are going public.</p><p><blockquote>专家表示，投资即将上市的公司总是有风险的。</blockquote></p><p> For example, without a track record to work off, share prices can be speculative and retail investors who think they understand the brand might not value it the way institutional investors do.</p><p><blockquote>例如，如果没有业绩记录，股价可能具有投机性，认为自己了解该品牌的散户投资者可能不会像机构投资者那样对其进行估值。</blockquote></p><p> Now mix that with cyrptocurrency's volatility</p><p><blockquote>现在将其与加密货币的波动性结合起来</blockquote></p><p> (A Coinbase spokeswoman declined to comment ahead of the IPO.)</p><p><blockquote>（Coinbase发言人在IPO前拒绝置评。）</blockquote></p><p> The idea is to invest in an IPO with a small portion of money you're okay potentially losing. The question is, how much? Here are a couple different answers.</p><p><blockquote>这个想法是用一小部分你可能会损失的钱投资IPO。问题是，多少钱？这里有几个不同的答案。</blockquote></p><p> <b>The numbers game</b></p><p><blockquote><b>数字游戏</b></blockquote></p><p> One common refrain is devoting somewhere between 5% and 10% of investable assets to speculative investments or stocks. Others say the amount that you're OK, if that isn't too glib a word, seeing potentially evaporate should not be more than 1% of a portfolio for investors.</p><p><blockquote>一种常见的说法是将5%到10%的可投资资产用于投机性投资或股票。其他人则表示，对于投资者来说，看到潜在蒸发的金额（如果这个词不是太油嘴滑舌的话）不应超过投资组合的1%。</blockquote></p><p> Ron Guay of Rivermark Wealth Management in Sunnyvale, Calif. tells his clients to cap their \"play money\" at 10% -- and that's the same rule he follows himself.</p><p><blockquote>加利福尼亚州桑尼维尔Rivermark Wealth Management的Ron Guay。告诉他的客户将他们的“游戏币”限制在10%——这也是他自己遵循的规则。</blockquote></p><p> ‘The less your net worth, the lower the percent of play money you should cut loose.’ — Theresa Morrison, founding partner at Beckett Collective in Tucson, Ariz. Daniel Johnson of RE|Focus Financial Planning in Winston Salem, N.C. says he's all for people putting money into the companies that interest them, because many times the investment works out on companies they know and understand.</p><p><blockquote>“你的净资产越少，你应该削减的游戏币比例就越低。”——特里萨·莫里森(Theresa Morrison)，亚利桑那州图森市贝克特集体(Beckett Collective)的创始合伙人。北卡罗来纳州温斯顿塞勒姆RE|Focus Financial Planning的丹尼尔·约翰逊(Daniel Johnson)表示，他完全支持人们将资金投入他们感兴趣的公司，因为很多时候投资对他们了解和理解的公司有效。</blockquote></p><p> But he's all for diversification too. Keeping the investment in any <a href=\"https://laohu8.com/S/AONE.U\">one</a> company below 5% is a good bet, he said.</p><p><blockquote>但他也完全支持多元化。将投资保留在任何<a href=\"https://laohu8.com/S/AONE.U\">一</a>他说，低于5%的公司是一个不错的选择。</blockquote></p><p> But the same numbers do not fit everyone, according to Theresa Morrison, founding partner at Beckett Collective in Tucson, Ariz.</p><p><blockquote>但亚利桑那州图森市贝克特集体公司的创始合伙人特里萨·莫里森表示，相同的数字并不适合所有人。</blockquote></p><p> \"If you don't want to lose your 'play money' then don't play,\" she said. That money might be 1% to 2% of invested assets, she said.</p><p><blockquote>“如果你不想失去你的‘游戏币’，那就不要玩，”她说。她说，这笔钱可能占投资资产的1%至2%。</blockquote></p><p> \"The less your net worth, the lower the percent of play money you should cut loose,\" she said. \"Conversely, the more flush your net worth, the higher percent of play money you can allocate, but only up to a point.\"</p><p><blockquote>“你的净资产越少，你应该削减的游戏币比例就越低，”她说。“相反，你的净资产越高，你可以分配的游戏币比例就越高，但只能分配到一定程度。”</blockquote></p><p> <b>The no-numbers approach</b></p><p><blockquote><b>无数字方法</b></blockquote></p><p> In the lead up to Coinbase's direct listing, Chris Struckhoff, founder of Lionheart Capital Management in <a href=\"https://laohu8.com/S/ORAN\">Orange</a> County, Calif., said he's been talking to some clients who want to buy Coinbase shares.</p><p><blockquote>在Coinbase直接上市之前，Lionheart Capital Management创始人Chris Struckhoff<a href=\"https://laohu8.com/S/ORAN\">橙色</a>加州County表示，他一直在与一些想要购买Coinbase股票的客户交谈。</blockquote></p><p> \"They have these dollar signs in their eyes,\" he said.</p><p><blockquote>“他们的眼睛里有这些美元符号，”他说。</blockquote></p><p> These people view Coinbase stock as rocket fuel to meet their financial goals, but \"like with anything, the faster you try to go, the more likely you're going to trip yourself up,\" he said.</p><p><blockquote>这些人将Coinbase股票视为实现其财务目标的火箭燃料，但“就像任何事情一样，你试图走得越快，就越有可能绊倒自己，”他说。</blockquote></p><p> Struckhoff doesn't tell his clients to buy the stock or wait. He thinks about the idea of play money without applying hard-and-fast numbers. He does this by thinking backwards with clients.</p><p><blockquote>斯特鲁克霍夫没有告诉他的客户购买股票或等待。他想到了玩钱的想法，而不应用硬性数字。他通过与客户逆向思考来做到这一点。</blockquote></p><p> They start by remembering the financial goals a person has -- a house, a boat, a nest egg or something else. Then they look at the financial wiggle room someone has to devote to something like a Coinbase play.</p><p><blockquote>他们从记住一个人的财务目标开始——房子、船、储蓄或其他东西。然后，他们会考虑某人必须投入到像比特币基地这样的游戏中的财务回旋余地。</blockquote></p><p> <b>What about just buying cryptocurrency?</b></p><p><blockquote><b>直接买加密货币怎么样？</b></blockquote></p><p> Given the price surge in crytpocurrencies like Bitcoin and Ethereum , some say it's worth going straight to the source and buying virtual currency instead. But again, they say not to go overboard.</p><p><blockquote>鉴于比特币和以太币等加密货币的价格飙升，一些人表示值得直接寻找源头并购买虚拟货币。但同样，他们说不要走极端。</blockquote></p><p> ‘You can either search for gold (own crypto), or you can sell shovels (own Coinbase stock).’ — Graciano Rubio of Infinity Financial Planning in Los Banos, Calif. For example, Vrishin Subramaniam, the founder of CapitalWe, a financial planning firm focused on millennial investors and younger, recommends putting somewhere between 2% and 5% of net worth in cryptocurrency.</p><p><blockquote>“你可以寻找黄金（拥有加密货币），也可以出售铲子（拥有Coinbase股票）。”——加利福尼亚州洛斯巴诺斯Infinity Financial Planning的Graciano Rubio。例如，专注于千禧一代投资者和年轻人的财务规划公司CapitalWe的创始人Vrishin Subramaniam建议将净资产的2%至5%投资于加密货币。</blockquote></p><p> If someone wants to buy into Coinbase, Subramaniam would advise folding this investment into the 5% cyrptocurrency investment basket. Going forward, \"we can increase that allocation for listed securities after a couple quarters once we have more information in the public domain,\" he said.</p><p><blockquote>如果有人想购买Coinbase，Subramaniam建议将这项投资纳入5%的加密货币投资篮子。展望未来，“一旦我们在公共领域获得更多信息，我们可以在几个季度后增加对上市证券的配置，”他说。</blockquote></p><p></p><p> \"Because Coinbase and other platforms have made it convenient to own cryptocurrency, I think the best way to gain cryptocurrency exposure is through direct ownership of cryptocurrency,\" said Graciano Rubio of Infinity Financial Planning in Los Banos, Calif.</p><p><blockquote>加利福尼亚州洛斯巴诺斯Infinity Financial Planning的Graciano Rubio表示：“由于Coinbase和其他平台让拥有加密货币变得很方便，我认为获得加密货币敞口的最佳方式是直接拥有加密货币。”</blockquote></p><p> There's a metaphor for the moment that's wrapped up California's own Gold Rush during the mid-1800s. \"You can either search for gold (own crypto), or you can sell shovels (own Coinbase stock). They each have unique risks and upside but both can be a successful strategy to profit from cryptocurrency,\" he said.</p><p><blockquote>有一个比喻描述了19世纪中期加州淘金热结束的时刻。“你可以搜索黄金（拥有加密货币），也可以出售铲子（拥有Coinbase股票）。它们都有独特的风险和上涨空间，但两者都可以成为从加密货币中获利的成功策略，”他说。</blockquote></p><p></p>","source":"lsy1603348471595","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>How much money should I spend on Coinbase stock? Financial advisers offer guidance to young investors<blockquote>我应该花多少钱购买Coinbase股票？财务顾问为年轻投资者提供指导</blockquote></title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nHow much money should I spend on Coinbase stock? Financial advisers offer guidance to young investors<blockquote>我应该花多少钱购买Coinbase股票？财务顾问为年轻投资者提供指导</blockquote>\n</h2>\n<h4 class=\"meta\">\n<p class=\"head\">\n<strong class=\"h-name small\">MarketWatch</strong><span class=\"h-time small\">2021-04-14 14:25</span>\n</p>\n</h4>\n</header>\n<article>\n<p>'They have these dollar signs in their eyes,' one adviser said</p><p><blockquote>一位顾问说，他们眼里有这些美元符号</blockquote></p><p> <p class=\"t-img-caption\"><img src=\"https://static.tigerbbs.com/c539dde9d7036fedca154bf524c82b75\" tg-width=\"620\" tg-height=\"431\"><span>Coinbase, the cryptocurrency exchange, goes public Wednesday. MARKETWATCH ILLUSTRATION</span></p><p><blockquote><p class=\"t-img-caption\"><span>加密货币交易所Coinbase将于周三上市。MARKETWATCH插图</span></p></blockquote></p><p> There's investing with \"play money\" and then there's playing with fire.</p><p><blockquote>有用“游戏币”投资，也有玩火。</blockquote></p><p> As Coinbase, the cryptocurrency exchange, goes public on Wednesday, financial advisers want you to remember the difference.</p><p><blockquote>随着加密货币交易所Coinbase于周三上市，财务顾问希望您记住其中的区别。</blockquote></p><p> With retail investor ranks swelling,there’s growing allure in finding and profiting off the next new thing.</p><p><blockquote>随着散户投资者队伍的壮大，寻找下一个新事物并从中获利的吸引力越来越大。</blockquote></p><p> Enter Coinbase, a platform with 56 million verified users that enables the purchase and sale of crytpocurrencies like Bitcoin , which appear to just keep increasing in value.</p><p><blockquote>比特币基地是一个拥有5600万经过验证的用户的平台，可以买卖比特币等加密货币，这些货币的价值似乎在不断增加。</blockquote></p><p> An obvious investment, considering the expert take that cryptocurrency is at a \"tipping point,\" right?</p><p><blockquote>考虑到专家认为加密货币正处于“临界点”，这是一项显而易见的投资，对吗？</blockquote></p><p> Not necessarily. Do so with prudence, say financial advisers.</p><p><blockquote>不一定。财务顾问表示，要谨慎行事。</blockquote></p><p> Experts say it's always been risky to invest in companies just as they are going public.</p><p><blockquote>专家表示，投资即将上市的公司总是有风险的。</blockquote></p><p> For example, without a track record to work off, share prices can be speculative and retail investors who think they understand the brand might not value it the way institutional investors do.</p><p><blockquote>例如，如果没有业绩记录，股价可能具有投机性，认为自己了解该品牌的散户投资者可能不会像机构投资者那样对其进行估值。</blockquote></p><p> Now mix that with cyrptocurrency's volatility</p><p><blockquote>现在将其与加密货币的波动性结合起来</blockquote></p><p> (A Coinbase spokeswoman declined to comment ahead of the IPO.)</p><p><blockquote>（Coinbase发言人在IPO前拒绝置评。）</blockquote></p><p> The idea is to invest in an IPO with a small portion of money you're okay potentially losing. The question is, how much? Here are a couple different answers.</p><p><blockquote>这个想法是用一小部分你可能会损失的钱投资IPO。问题是，多少钱？这里有几个不同的答案。</blockquote></p><p> <b>The numbers game</b></p><p><blockquote><b>数字游戏</b></blockquote></p><p> One common refrain is devoting somewhere between 5% and 10% of investable assets to speculative investments or stocks. Others say the amount that you're OK, if that isn't too glib a word, seeing potentially evaporate should not be more than 1% of a portfolio for investors.</p><p><blockquote>一种常见的说法是将5%到10%的可投资资产用于投机性投资或股票。其他人则表示，对于投资者来说，看到潜在蒸发的金额（如果这个词不是太油嘴滑舌的话）不应超过投资组合的1%。</blockquote></p><p> Ron Guay of Rivermark Wealth Management in Sunnyvale, Calif. tells his clients to cap their \"play money\" at 10% -- and that's the same rule he follows himself.</p><p><blockquote>加利福尼亚州桑尼维尔Rivermark Wealth Management的Ron Guay。告诉他的客户将他们的“游戏币”限制在10%——这也是他自己遵循的规则。</blockquote></p><p> ‘The less your net worth, the lower the percent of play money you should cut loose.’ — Theresa Morrison, founding partner at Beckett Collective in Tucson, Ariz. Daniel Johnson of RE|Focus Financial Planning in Winston Salem, N.C. says he's all for people putting money into the companies that interest them, because many times the investment works out on companies they know and understand.</p><p><blockquote>“你的净资产越少，你应该削减的游戏币比例就越低。”——特里萨·莫里森(Theresa Morrison)，亚利桑那州图森市贝克特集体(Beckett Collective)的创始合伙人。北卡罗来纳州温斯顿塞勒姆RE|Focus Financial Planning的丹尼尔·约翰逊(Daniel Johnson)表示，他完全支持人们将资金投入他们感兴趣的公司，因为很多时候投资对他们了解和理解的公司有效。</blockquote></p><p> But he's all for diversification too. Keeping the investment in any <a href=\"https://laohu8.com/S/AONE.U\">one</a> company below 5% is a good bet, he said.</p><p><blockquote>但他也完全支持多元化。将投资保留在任何<a href=\"https://laohu8.com/S/AONE.U\">一</a>他说，低于5%的公司是一个不错的选择。</blockquote></p><p> But the same numbers do not fit everyone, according to Theresa Morrison, founding partner at Beckett Collective in Tucson, Ariz.</p><p><blockquote>但亚利桑那州图森市贝克特集体公司的创始合伙人特里萨·莫里森表示，相同的数字并不适合所有人。</blockquote></p><p> \"If you don't want to lose your 'play money' then don't play,\" she said. That money might be 1% to 2% of invested assets, she said.</p><p><blockquote>“如果你不想失去你的‘游戏币’，那就不要玩，”她说。她说，这笔钱可能占投资资产的1%至2%。</blockquote></p><p> \"The less your net worth, the lower the percent of play money you should cut loose,\" she said. \"Conversely, the more flush your net worth, the higher percent of play money you can allocate, but only up to a point.\"</p><p><blockquote>“你的净资产越少，你应该削减的游戏币比例就越低，”她说。“相反，你的净资产越高，你可以分配的游戏币比例就越高，但只能分配到一定程度。”</blockquote></p><p> <b>The no-numbers approach</b></p><p><blockquote><b>无数字方法</b></blockquote></p><p> In the lead up to Coinbase's direct listing, Chris Struckhoff, founder of Lionheart Capital Management in <a href=\"https://laohu8.com/S/ORAN\">Orange</a> County, Calif., said he's been talking to some clients who want to buy Coinbase shares.</p><p><blockquote>在Coinbase直接上市之前，Lionheart Capital Management创始人Chris Struckhoff<a href=\"https://laohu8.com/S/ORAN\">橙色</a>加州County表示，他一直在与一些想要购买Coinbase股票的客户交谈。</blockquote></p><p> \"They have these dollar signs in their eyes,\" he said.</p><p><blockquote>“他们的眼睛里有这些美元符号，”他说。</blockquote></p><p> These people view Coinbase stock as rocket fuel to meet their financial goals, but \"like with anything, the faster you try to go, the more likely you're going to trip yourself up,\" he said.</p><p><blockquote>这些人将Coinbase股票视为实现其财务目标的火箭燃料，但“就像任何事情一样，你试图走得越快，就越有可能绊倒自己，”他说。</blockquote></p><p> Struckhoff doesn't tell his clients to buy the stock or wait. He thinks about the idea of play money without applying hard-and-fast numbers. He does this by thinking backwards with clients.</p><p><blockquote>斯特鲁克霍夫没有告诉他的客户购买股票或等待。他想到了玩钱的想法，而不应用硬性数字。他通过与客户逆向思考来做到这一点。</blockquote></p><p> They start by remembering the financial goals a person has -- a house, a boat, a nest egg or something else. Then they look at the financial wiggle room someone has to devote to something like a Coinbase play.</p><p><blockquote>他们从记住一个人的财务目标开始——房子、船、储蓄或其他东西。然后，他们会考虑某人必须投入到像比特币基地这样的游戏中的财务回旋余地。</blockquote></p><p> <b>What about just buying cryptocurrency?</b></p><p><blockquote><b>直接买加密货币怎么样？</b></blockquote></p><p> Given the price surge in crytpocurrencies like Bitcoin and Ethereum , some say it's worth going straight to the source and buying virtual currency instead. But again, they say not to go overboard.</p><p><blockquote>鉴于比特币和以太币等加密货币的价格飙升，一些人表示值得直接寻找源头并购买虚拟货币。但同样，他们说不要走极端。</blockquote></p><p> ‘You can either search for gold (own crypto), or you can sell shovels (own Coinbase stock).’ — Graciano Rubio of Infinity Financial Planning in Los Banos, Calif. For example, Vrishin Subramaniam, the founder of CapitalWe, a financial planning firm focused on millennial investors and younger, recommends putting somewhere between 2% and 5% of net worth in cryptocurrency.</p><p><blockquote>“你可以寻找黄金（拥有加密货币），也可以出售铲子（拥有Coinbase股票）。”——加利福尼亚州洛斯巴诺斯Infinity Financial Planning的Graciano Rubio。例如，专注于千禧一代投资者和年轻人的财务规划公司CapitalWe的创始人Vrishin Subramaniam建议将净资产的2%至5%投资于加密货币。</blockquote></p><p> If someone wants to buy into Coinbase, Subramaniam would advise folding this investment into the 5% cyrptocurrency investment basket. Going forward, \"we can increase that allocation for listed securities after a couple quarters once we have more information in the public domain,\" he said.</p><p><blockquote>如果有人想购买Coinbase，Subramaniam建议将这项投资纳入5%的加密货币投资篮子。展望未来，“一旦我们在公共领域获得更多信息，我们可以在几个季度后增加对上市证券的配置，”他说。</blockquote></p><p></p><p> \"Because Coinbase and other platforms have made it convenient to own cryptocurrency, I think the best way to gain cryptocurrency exposure is through direct ownership of cryptocurrency,\" said Graciano Rubio of Infinity Financial Planning in Los Banos, Calif.</p><p><blockquote>加利福尼亚州洛斯巴诺斯Infinity Financial Planning的Graciano Rubio表示：“由于Coinbase和其他平台让拥有加密货币变得很方便，我认为获得加密货币敞口的最佳方式是直接拥有加密货币。”</blockquote></p><p> There's a metaphor for the moment that's wrapped up California's own Gold Rush during the mid-1800s. \"You can either search for gold (own crypto), or you can sell shovels (own Coinbase stock). They each have unique risks and upside but both can be a successful strategy to profit from cryptocurrency,\" he said.</p><p><blockquote>有一个比喻描述了19世纪中期加州淘金热结束的时刻。“你可以搜索黄金（拥有加密货币），也可以出售铲子（拥有Coinbase股票）。它们都有独特的风险和上涨空间，但两者都可以成为从加密货币中获利的成功策略，”他说。</blockquote></p><p></p>\n<div class=\"bt-text\">\n\n\n<p> 来源：<a href=\"https://www.marketwatch.com/story/how-much-money-should-i-spend-on-coinbase-stock-financial-advisers-offer-guidance-to-young-investors-11618377974?mod=newsviewer_click\">MarketWatch</a></p>\n<p>为提升您的阅读体验，我们对本页面进行了排版优化</p>\n\n\n</div>\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"","relate_stocks":{"COIN":"Coinbase Global, Inc."},"source_url":"https://www.marketwatch.com/story/how-much-money-should-i-spend-on-coinbase-stock-financial-advisers-offer-guidance-to-young-investors-11618377974?mod=newsviewer_click","is_english":true,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"2127475490","content_text":"'They have these dollar signs in their eyes,' one adviser said\nCoinbase, the cryptocurrency exchange, goes public Wednesday. MARKETWATCH ILLUSTRATION\nThere's investing with \"play money\" and then there's playing with fire.\nAs Coinbase, the cryptocurrency exchange, goes public on Wednesday, financial advisers want you to remember the difference.\nWith retail investor ranks swelling,there’s growing allure in finding and profiting off the next new thing.\nEnter Coinbase, a platform with 56 million verified users that enables the purchase and sale of crytpocurrencies like Bitcoin , which appear to just keep increasing in value.\nAn obvious investment, considering the expert take that cryptocurrency is at a \"tipping point,\" right?\nNot necessarily. Do so with prudence, say financial advisers.\nExperts say it's always been risky to invest in companies just as they are going public.\nFor example, without a track record to work off, share prices can be speculative and retail investors who think they understand the brand might not value it the way institutional investors do.\nNow mix that with cyrptocurrency's volatility\n(A Coinbase spokeswoman declined to comment ahead of the IPO.)\nThe idea is to invest in an IPO with a small portion of money you're okay potentially losing. The question is, how much? Here are a couple different answers.\nThe numbers game\nOne common refrain is devoting somewhere between 5% and 10% of investable assets to speculative investments or stocks. Others say the amount that you're OK, if that isn't too glib a word, seeing potentially evaporate should not be more than 1% of a portfolio for investors.\nRon Guay of Rivermark Wealth Management in Sunnyvale, Calif. tells his clients to cap their \"play money\" at 10% -- and that's the same rule he follows himself.\n\n ‘The less your net worth, the lower the percent of play money you should cut loose.’\n\n\n — Theresa Morrison, founding partner at Beckett Collective in Tucson, Ariz.\n\nDaniel Johnson of RE|Focus Financial Planning in Winston Salem, N.C. says he's all for people putting money into the companies that interest them, because many times the investment works out on companies they know and understand.\nBut he's all for diversification too. Keeping the investment in any one company below 5% is a good bet, he said.\nBut the same numbers do not fit everyone, according to Theresa Morrison, founding partner at Beckett Collective in Tucson, Ariz.\n\"If you don't want to lose your 'play money' then don't play,\" she said. That money might be 1% to 2% of invested assets, she said.\n\"The less your net worth, the lower the percent of play money you should cut loose,\" she said. \"Conversely, the more flush your net worth, the higher percent of play money you can allocate, but only up to a point.\"\nThe no-numbers approach\nIn the lead up to Coinbase's direct listing, Chris Struckhoff, founder of Lionheart Capital Management in Orange County, Calif., said he's been talking to some clients who want to buy Coinbase shares.\n\"They have these dollar signs in their eyes,\" he said.\nThese people view Coinbase stock as rocket fuel to meet their financial goals, but \"like with anything, the faster you try to go, the more likely you're going to trip yourself up,\" he said.\nStruckhoff doesn't tell his clients to buy the stock or wait. He thinks about the idea of play money without applying hard-and-fast numbers. He does this by thinking backwards with clients.\nThey start by remembering the financial goals a person has -- a house, a boat, a nest egg or something else. Then they look at the financial wiggle room someone has to devote to something like a Coinbase play.\nWhat about just buying cryptocurrency?\nGiven the price surge in crytpocurrencies like Bitcoin and Ethereum , some say it's worth going straight to the source and buying virtual currency instead. But again, they say not to go overboard.\n\n ‘You can either search for gold (own crypto), or you can sell shovels (own Coinbase stock).’\n\n\n — Graciano Rubio of Infinity Financial Planning in Los Banos, Calif.\n\nFor example, Vrishin Subramaniam, the founder of CapitalWe, a financial planning firm focused on millennial investors and younger, recommends putting somewhere between 2% and 5% of net worth in cryptocurrency.\nIf someone wants to buy into Coinbase, Subramaniam would advise folding this investment into the 5% cyrptocurrency investment basket. Going forward, \"we can increase that allocation for listed securities after a couple quarters once we have more information in the public domain,\" he said.\n\"Because Coinbase and other platforms have made it convenient to own cryptocurrency, I think the best way to gain cryptocurrency exposure is through direct ownership of cryptocurrency,\" said Graciano Rubio of Infinity Financial Planning in Los Banos, Calif.\nThere's a metaphor for the moment that's wrapped up California's own Gold Rush during the mid-1800s. \"You can either search for gold (own crypto), or you can sell shovels (own Coinbase stock). They each have unique risks and upside but both can be a successful strategy to profit from cryptocurrency,\" he said.","news_type":1,"symbols_score_info":{"COIN":0.9}},"isVote":1,"tweetType":1,"viewCount":504,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":10,"xxTargetLangEnum":"ORIG"},"commentList":[],"isCommentEnd":true,"isTiger":false,"isWeiXinMini":false,"url":"/m/post/344199093"}
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