首富埃隆·马斯克，承认的说，是Tesla，出资了（过）15亿美金比特币（Bitcoin），然后商场就疯了，几个小时之内涨了20%，一举突破30万人民币一枚。然后Bitcoin一跃而成第九大市值财物。看着比特币这么疯狂，连首富都上（过）船了，哪个人不是心理痒痒的，不禁问，我配和首富一同玩吗？
Tesla在2021年2月8号（对，昨天）向美国证券生意委员会提交的年报10-K中披露出资了（过）15亿美金在比特币，年报中详细说明晰出资后边的原委，过程，危险和操控。要跟仍是不跟，配仍是不配玩，不能稀里糊涂，必定要清清楚楚，赚要赚得通透，死也要死得理解。
首要，Tesla于2020年底持有现金及其等价物约193.8亿美元，2021年1月，Tesla将其间15亿美元投入（过）比特币，占所持现金份额7.7%。显然，这点百分比，对Tesla来说，是毛毛雨，而相对8000多亿美元的总市值来说，就更是不痛不痒。我有多少闲钱，能够投入到这种冒险中，这种钱不应该影响正常的生活，更不能借钱去操作，虽然有大发的或许，但假如急进，倾家荡产的概率更大。我需求三思。
接着，Tesla在年报中一共提到了9次比特币，而且每次提到，都一而再，再而三，的着重危险。
第一段提到，是在评论公司的各种危险的部分，如是说。为了避免断章取义，避免偏离原意，特意辅佐英文原文。
We hold and may acquire digital assets that may be subject to volatile market prices, impairment and unique risks of loss.
咱们持有并或许收买数字财物，这些财物或许会受到商场价格动摇，减值和独特的亏本危险的影响。
三个概略性的危险：价格动摇，减值和亏本。这是任何出资都会遇到的危险。然后，下面具体解说了这些危险。
In January 2021, we updated our investment policy to provide us with more flexibility to further diversify and maximize returns on our cash that is not required to maintain adequate operating liquidity. As part of the policy, which was duly approved by the Audit Committee of our Board of Directors, we may invest a portion of such cash in certain alternative reserve assets including digital assets, gold bullion, gold exchange-traded funds and other assets as specified in the future. Thereafter, we investedan aggregate $1.50 billion in bitcoin under this policy and may acquire and hold digital assets from time to time or long-term. Moreover, we expect to begin accepting bitcoin as a form of payment for our products in the near future, subject to applicable laws and initially on a limited basis, which we may or may not liquidate upon receipt. 2021年1月，咱们更新了出资方针，为咱们供给了更大的灵活性，以进一步涣散和最大化现金的报答，而保持现金足够并不需求这些现金。作为方针的一部分，该方针已得到董事会审计委员会的正式批准，咱们或许会将部分现金出资于某些特殊储藏财物，包含数字财物，金条，黄金生意所生意基金和指定的其他财物在将来。尔后，依据这项方针，咱们一共出资了15亿美元的比特币，并或许会不时或长时刻收买和持有数字财物。此外，咱们期望在不久的将来，依据适用法令并在有限的根底上，开端接受比特币作为咱们产品的付款方法，在收到付款后咱们或许会或或许不会清算。
第一，Tesla保持现金足够并不需求这些现金，也便是说，这些现金不会影响公司的运营和生计。我假如投入现金，现金会不会影响我的生计？不会，能够玩；会，不能玩。
第二，“invested”用的是曩昔式，表示已经完成了操作，而且是一月份的价格，买的。那么，现在是否已经出货了，没有人知道，或许是乘着热度，在渐渐的出货，也无从得知。这其实也是一般散户玩不好的原因，带头大哥，永久不会告诉他什么时候生意。很或许，便是最终一波韭菜。假如自己不了解，光听，光从众，死的很惨是必定的，玩不起。
第三，就算用比特币买Tesla，马上或许清算，这样，和现金买，其实是没有区别的，那这么做，除了引起商场的情绪，哄着玩，还有什么。玩不起呀。
The prices of digital assets have been in the past and may continue to be highly volatile, including as a result of various associated risks and uncertainties. For example, the prevalence of such assets is a relatively recent trend, and their long-term adoption by investors, consumers and businesses is unpredictable. Moreover, their lack of a physical form, their reliance on technology for their creation, existence and transactional validation and their decentralization may subject their integrity to the threat of malicious attacks and technological obsolescence. Finally, the extent to which securities laws or other regulations apply or may apply in the future to such assets is unclear and may change in the future. If we hold digital assets and their values decrease relative to our purchase prices, our financial condition may be harmed. 数字财物的价格在曩昔和未来或许会继续高度动摇，包含各种相关危险和不承认性的效果。例如，此类财物的普及是相对较新的趋势，出资者，顾客和企业对其的长时刻采用是不行猜测的。此外，它们缺乏物理方法，对它们的创立，存在和生意验证以及对技术的依靠以及对权利的涣散，或许使其完整性遭受歹意进犯和技术过期的威胁。最终，尚不清楚证券法或其他法规在将来适用于或将来或许适用于此类财物的程度，而且将来或许会发生改动。假如咱们持有数字财物，而且其价值相对于咱们的购买价格下降，那么咱们的财务状况或许会受到损害。
具体的几个危险，我有没有考虑到？
第一，新的趋势，顾客和企业是否长时刻采用，Tesla都不行猜测。我就更不能猜测了。
第二，遭受歹意进犯和技术过期的威胁。Tesla都没有信心，我就更茫然了。可是，数字货币的趋势是必定的，而比特币仅仅其间一种形态，或许有更好的形态替代掉，那时或许便是一文不值。
第三，法令上仍是含糊的，这就无端增加了监管的危险。在中国，应该是不合法的，鬼鬼祟祟的玩，危险更大。
Moreover, digital assets are currently considered indefinite-lived intangible assets under applicable accounting rules, meaning that any decrease in their fair values below our carrying values for such assets at any time subsequent to their acquisition will require us to recognize impairment charges, whereas we may make no upward revisions for any market price increases until a sale, which may adversely affect our operating results in any period in which such impairment occurs. Moreover, there is no guarantee that future changes in GAAP will not require us to change the way we account for digital assets held by us. Finally, as intangible assets without centralized issuers or governing bodies, digital assets have been, and may in the future be, subject to security breaches, cyberattacks or other malicious activities, as well as human errors or computer malfunctions that may result in the loss or destruction of private keys needed to access such assets. While we intend to take all reasonable measures to secure any digital assets, if such threats are realized or the measures or controls we create or implement to secure our digital assets fail, it could result in apartial or total misappropriation or loss of our digital assets, and our financial condition and operating results may be harmed.此外，依据适用的会计准则，数字财物目前被视为无限期无形财物，这意味着在其收买后的任何时刻，其公允价值低于咱们的账面价值的任何降低都将要求咱们承认减值预备，而咱们或许在出售之前，不得对任何商场价格上涨进行上调，这或许会在发生减值的任何时期对咱们的经营业绩发生晦气影响。此外，咱们无法保证GAAP的未来改动不会要求咱们改动对咱们持有的数字财物进行会计处理的方法。最终，因为数字财物是没有会集发行人或管理机构的无形财物，因而已经而且将来或许遭受安全漏洞，网络进犯或其他歹意活动，以及或许导致丢失或丢失的人为错误或计算机故障。毁掉访问此类财物所需的私钥。虽然咱们计划采取一切合理的办法来维护任何数字财物，可是，假如意识到这种威胁或许咱们为维护数字财物而创立或施行的办法或操控办法失败，则或许导致部分或全部挪用或丢失咱们的数字财物，或许会损害咱们的财务状况和经营效果。
会计准则这个，对个人出资者没啥危险。但安全漏洞，网络进犯，歹意活动，引起的私钥丢失，或是生意所问题，或是比特币的体系问题，却是需求忧虑的一个忧患。我必定要好好维护好自己的私钥，一旦被盗，哭天哭地都没有用，谁也帮不了。
In January 2021, we updated our investment policy to provide us with more flexibility to further diversify and maximize returns on our cash that is not required to maintain adequate operating liquidity. As part of the policy, we may invest a portion of such cash in certain specified alternative reserve assets. Thereafter, we invested an aggregate $1.50 billion in bitcoin under this policy. Moreover, we expect to begin accepting bitcoin as a form of payment for our products in the near future, subject to applicable laws and initially on a limited basis, which we may or may not liquidate upon receipt. Digital assets are considered indefinite-lived intangible assets under applicable accounting rules. Accordingly, any decrease in their fair values below our carrying values for such assets at any time subsequent to their acquisition will require us to recognize impairment charges, whereas we may make no upward revisions for any market price increases until a sale. As we currently intend to hold these assets long-term, these charges may negatively impact our profitability in the periods in which such impairments occur even if the overall market values of these assets increase.2021年1月，咱们更新了出资方针，为咱们供给了更大的灵活性，以进一步涣散和最大化现金的报答，而保持现金足够并不需求这些现金。作为方针的一部分，咱们或许会将此类现金的一部分出资于某些特定的备用储藏财物。尔后，依据这项方针，咱们一共出资了15亿美元的比特币。此外，咱们期望在不久的将来，依据适用法令并在有限的根底上，开端接受比特币作为咱们产品的付款方法，在收到付款后咱们可能会或或许不会清算。依据适用的会计规矩，数字财物被视为无限期无形财物。因而，购置下一任何时刻其公允价值低于咱们这些财物账面价值的任何减少都将要求咱们承认减值预备，而在出售之前，咱们或许不会对任何商场价格上涨进行上调。因为咱们目前计划长时刻持有这些财物，即使这些财物的整体商场价值增加，这些费用也或许在发生减值的期间对咱们的盈利能力发生负面影响。
重复着重危险，首要仍是公司的危险，对个人出资者来说，倒没什么。
In January 2021, we updated our investment policy to provide us with more flexibility to further diversify and maximize returns on our cash that is not required to maintain adequate operating liquidity. As part of the policy, we may invest a portion of such cash in certain specified alternative reserve assets. Thereafter, we invested an aggregate $1.50 billion in bitcoin under this policy. Moreover, we expect to begin accepting bitcoin as a form of payment for our products in the near future, subject to applicable laws and initially on a limited basis, which we may or may not liquidate upon receipt. We believe our bitcoin holdings are highly liquid. However, digital assets may be subject to volatile market prices, which may be unfavorable at the time when we want or need to liquidate them.2021年1月，咱们更新了出资方针，为咱们供给了更大的灵活性，以进一步涣散和最大化现金的报答，而保持现金足够并不需求这些现金。作为方针的一部分，咱们或许会将此类现金的一部分出资于某些特定的备用储藏财物。尔后，依据这项方针，咱们一共出资了15亿美元的比特币。此外，咱们期望在不久的将来，依据适用法令并在有限的根底上，开端接受比特币作为咱们产品的付款方法，在收到付款后咱们或许会也或许不会清算。咱们以为咱们的比特币持有量很高。可是，数字财物或许会受到商场价格动摇的影响，在咱们想要或需求清算它们时，这或许是晦气的。
法令危险，和清算时的价格危险。
In January 2021, we updated our investment policy to provide us with more flexibility to further diversify and maximize returns on our cash that is not required to maintain adequate operating liquidity. As part of the policy, we may invest a portion of such cash in certain specified alternative reserve assets. Thereafter, we invested an aggregate $1.50 billion in bitcoin under this policy. Moreover, we expect to begin accepting bitcoin as a form of payment for our products in the near future, subject to applicable laws and initially on a limited basis, which we may or may not liquidate upon receipt. We will account for digital assets as indefinite-lived intangible assets in accordance with ASC 350, Intangibles–Goodwill and Other. The digital assets are initially recorded at cost and are subsequently remeasured on the consolidated balance sheet at cost, net of any impairment losses incurred since acquisition. We will perform an analysis each quarter to identify impairment. If the carrying value of the digital asset exceeds the fair value based on the lowest price quoted in the active exchanges during the period, we will recognize an impairment loss equal to the difference in the consolidated statement of operations. The cost basis of the digital assets will not be adjusted upward for any subsequent increases in their quoted prices on the active exchanges. Gains (if any) will not be recorded until realized upon sale.2021年1月，咱们更新了出资方针，为咱们供给了更大的灵活性，以进一步涣散和最大化现金的报答，而保持现金足够并不需求这些现金。作为方针的一部分，咱们或许会将此类现金的一部分出资于某些特定的备用储藏财物。尔后，依据这项方针，咱们一共出资了15亿美元的比特币。此外，咱们期望在不久的将来，依据适用法令并在有限的根底上，开端接受比特币作为咱们产品的付款方法，在收到付款后咱们或许会或或许不会清算。依据ASC 350，无形财物–商誉和其他规定，咱们会将数字财物记为无限期无形财物。数字财物最初按本钱入账，随后在本钱（扣除自收买以来发生的任何减值丢失）后在兼并财物负债表上从头计量。咱们将每季度进行一次分析以辨认减值。假如该数字财物的账面价值超过了该期间活跃生意所报价的最低价格的公允价值，咱们将在兼并经营报表中承认减值丢失。数字财物的本钱根底将不会跟着活跃生意所中其报价的后续增加而向上调整。除非有变现，不然收益将不会被记录。
Tesla会继续的分析和生意，假如我跟着玩，我能做到吗？假如我不能做到，Tesla又不会告诉我啥时生意，那么，我必定会成为最终接棒的韭菜，赚不理解，亏也不理解。跟风，从众，不自己去努力，必定不会有好效果。
好了，分析了这么多，我怎样配和首富一同玩呢？
假如有闲钱，理解了危险，心安，作为一种财物，能够去测验一下，不要抱着暴富的心态，长时刻持有，也许才是一种配玩的战略。
视野开拓
它的意思是说“假如你输入的是垃圾，那么输出的也只能是垃圾”。也就是说，如果输入电脑中的资料是垃圾（指错误的资料），则输出来的必定是没有用的资料，这在电脑资料处理方面是一个著名的理论。-《低智商社会》
