Memecoin PEPE Jadi Pilihan Karena Kemudahan Pajak untuk Tabungan Pensiun
由于退休储蓄税收宽松，PEPE Memecoin 成为一种选择
发布: 2024/10/12 16:24 阅读: 810
Investing in Memecoins for Tax-Advantaged Retirement
投资 Memecoin 享受税收优惠退休生活
Americans are increasingly exploring investments in the cryptocurrency space, particularly in memecoins such as PEPE and BONK. Apart from their speculative or investment potential, these assets offer significant tax advantages for individuals utilizing Roth IRAs and 401(k) plans. The exemption from capital gains tax makes memecoins an attractive option for maximizing retirement savings.
美国人越来越多地探索对加密货币领域的投资，特别是 PEPE 和 BONK 等模因币。除了投机或投资潜力外，这些资产还为使用 Roth IRA 和 401(k) 计划的个人提供了显着的税收优惠。免除资本利得税使模因币成为最大化退休储蓄的有吸引力的选择。
Understanding Tax Benefits
了解税收优惠
Retirement accounts like Traditional IRAs and Roth IRAs are designed to support individuals in preparing for their retirement with varying tax implications:
传统 IRA 和 Roth IRA 等退休账户旨在支持个人为退休做准备，但具有不同的税务影响：
- Traditional IRAs: Taxes are deferred until funds are withdrawn during retirement. Individuals do not pay taxes on their contributions or investment gains, including those from crypto assets like PEPE. Taxes apply only to withdrawals made in retirement, based on the prevailing income tax rates.
- Roth IRAs: Individuals pay taxes upfront on contributions made. While this does not provide a tax deduction in the contribution year, investment gains can be withdrawn tax-free during retirement, subject to specific eligibility requirements.
The choice between Traditional IRAs and Roth IRAs depends on individual circumstances, including current income levels and retirement income projections.
传统 IRA：税收推迟到退休期间提取资金为止。个人无需为其贡献或投资收益纳税，包括来自 PEPE 等加密资产的贡献或投资收益。根据现行所得税税率，税收仅适用于退休时提取的款项。Roth IRA：个人为缴款预缴税款。虽然这并不能在缴款年度提供税收减免，但投资收益可以在退休期间免税提取，但须符合特定的资格要求。传统 IRA 和 Roth IRA 之间的选择取决于个人情况，包括当前收入水平和退休收入预测。
Popularity of Memecoins in the US
Memecoin 在美国的受欢迎程度
iTrustCapital has recently introduced memecoins as tradable assets on its platform:
iTrustCapital 最近在其平台上推出了 memecoin 作为可交易资产：
- "Buy and Sell Pepe (PEPE) on iTrustCapital Today," the company tweeted on October 8, 2024.
Launched in April 2023, PEPE has gained traction among US citizens seeking to minimize taxes on their crypto investments. In the crypto space, where capital gains taxes typically apply, PEPE emerged as a favorable option for individuals using Individual Retirement Accounts (IRAs) such as Roth IRAs or 401(k) plans.
该公司于 2024 年 10 月 8 日在推特上发布了“今天在 iTrustCapital 上买卖 Pepe (PEPE)”的消息。PEPE 于 2023 年 4 月推出，在寻求最大程度减少加密投资税收的美国公民中受到了欢迎。在通常征收资本利得税的加密货币领域，PEPE 成为使用个人退休账户 (IRA)（例如 Roth IRA 或 401(k) 计划）的个人的有利选择。
Tax advantages are particularly appealing to US investors planning for retirement who aim to maximize investment returns without additional tax burden. They can potentially enjoy the full extent of their investment gains as long as they meet Roth IRA withdrawal eligibility criteria, including being at least 59.5 years old and having held the account for over five years. In such scenarios, crypto investment profits can be withdrawn tax-free, an unusual benefit in other investment vehicles.
税收优惠对于计划退休的美国投资者尤其有吸引力，他们希望在不增加税收负担的情况下实现投资回报最大化。只要符合 Roth IRA 提款资格标准，包括年龄至少 59.5 岁且持有账户五年以上，他们就有可能享受全部投资收益。在这种情况下，加密货币投资利润可以免税提取，这在其他投资工具中是一个不寻常的好处。
Additionally, iTrustCapital has introduced another memecoin, BONK, to its platform:
此外，iTrustCapital 还在其平台上引入了另一种模因币 BONK：
- "Buy and Sell Bonk (BONK) on iTrustCapital Today," it stated in a tweet on October 11, 2024.
This development highlights the growing interest in memecoins as potentially lucrative investment options for Americans saving for retirement.
它在 2024 年 10 月 11 日的一条推文中表示，“今天在 iTrustCapital 上买卖 Bonk (BONK)”。这一发展凸显了人们对 memecoin 日益增长的兴趣，作为美国人为退休储蓄的潜在有利可图的投资选择。
Tax Advantage Simulation: Memecoin PEPE
税收优惠模拟：Memecoin PEPE
To illustrate the tax benefits of memecoins like PEPE and BONK, let's consider a simulation:
为了说明 PEPE 和 BONK 等 memecoin 的税收优惠，让我们考虑一个模拟：
Imagine an individual investing $10,000 in PEPE on a public exchange for retirement. Over time, PEPE's value rises to $60,000. If they were to sell their PEPE, they would realize a gain of $50,000. However, this gain would be subject to a 15% capital gains tax, requiring them to pay $7,500 in taxes, reducing their net profit.
想象一下，一个人为了退休而在公共交易所投资 10,000 美元的 PEPE。随着时间的推移，PEPE 的价值升至 60,000 美元。如果他们出售 PEPE，他们将获得 50,000 美元的收益。然而，这一收益将需缴纳 15% 的资本利得税，要求他们缴纳 7,500 美元的税款，从而减少了净利润。
Now, let's compare this scenario to an investment through a Roth IRA. A US citizen invests $10,000 in PEPE, and its value similarly increases to $60,000 over time. Upon selling PEPE within the Roth IRA, the $50,000 gain is exempt from capital gains tax. They could withdraw their entire profit tax-free, yielding a significantly higher net return.
现在，让我们将这种情况与通过 Roth IRA 进行的投资进行比较。一名美国公民向 PEPE 投资 10,000 美元，随着时间的推移，其价值同样会增加到 60,000 美元。在 Roth IRA 内出售 PEPE 后，50,000 美元的收益可免征资本利得税。他们可以免税提取全部利润，从而获得显着更高的净回报。
Through Roth IRAs, US citizens can reap the tax-free benefits of their investments, which is otherwise unattainable outside of IRAs.
通过罗斯个人退休账户，美国公民可以获得投资的免税福利，这是在个人退休账户之外无法获得的。
Memecoins: Retirement Investment Option
Memecoins：退休投资选择
As demonstrated by the simulation, memecoins such as PEPE and BONK have become popular options for individuals seeking tax-advantaged retirement planning and seeking to maximize returns.
正如模拟所证明的那样，PEPE 和 BONK 等模因币已成为寻求税收优惠退休计划和寻求最大化回报的个人的热门选择。
While the cryptocurrency space is inherently volatile, and memecoins carry their own set of risks, PEPE and BONK offer potential tax advantages. However, investment decisions should still be made after careful consideration and research.
虽然加密货币领域本质上是不稳定的，而且模因币也有其自身的风险，但 PEPE 和 BONK 提供了潜在的税收优势。但投资决策仍应经过深思熟虑和研究后做出。
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