加密货币借道自管养老金,涌入澳洲约2.8万亿美元储蓄池

Blockbeats
Sep 01, 2025

BlockBeats 消息,9 月 1 日,据智通财经报道,澳大利亚规模达 4.3 万亿澳元 (约合 2.8 万亿美元) 的退休金体系——长期被视为全球监管最完善的储蓄池之一——正成为加密货币进军的新前沿领域。Coinbase Global Inc.(COIN.US) 与 OKX 相继推出针对养老金投资加密货币的产品,标志着数字资产正进一步渗入主流金融体系。

其初期主攻方向是自管养老基金 (SMSF)——这类由投资者自主管理的基金已占据澳大利亚养老金市场四分之一份额。与主流养老金普遍回避加密货币资产不同,SMSF 赋予个人充分的投资自主权。自管养老金协会 (SMSF Association) 技术经理 Fabian Bussoletti 表示:“自管养老金领域对加密货币的关注度率先升温,这一现象合乎逻辑。假以时日,规模更大的基金或许也会跟进。”

澳大利亚税务局数据显示,目前 SMSF 持有的加密货币资产规模仍相对较小 (截至 3 月约为 17 亿澳元),但较 2021 年已增长七倍。两大交易所均看好这一增长趋势将加速,进而迫使监管机构与机构基金直面此前一直回避的加密货币敞口问题。目前,AMP 是澳大利亚唯一一家公开披露投资加密货币资产的主流养老金机构。

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