新概念英语第四册第48课-Planning,a,share,portfolio.pdfVIP

新概念英语第四册第48

课:Planning,a,share,portfolio

Firstlistenandthenanswerthefollowingquestion.

Howdoestheolderinvestordifferinhisapproachto

investmentfromtheyoungerinvestor?

Thereisnoshortageoftipstersaroundoffering

get-rich-quickopportunities.Butifyouareaserious

privateinvestor,leavetheLasVegasmentalitytothose

withmoneytofritter.Theseriousinvestorneedsaproper

portfolio--awell-plannedselectionofinvestments,with

adefinitestructureandaclearaim.Butexactlyhowdoes

anewcomertothestockmarketgoaboutachievingthat?

假如你去向5位有威望的股票经纪人询问，询问你应当如何运

用你的资金，你可能得到5种不同的答复，即便你供应了有关于

你的年龄、家庭、财源和你想从投资中获得好处的信息。这是个

道德问题吗？没有一种完全正确的方法来排列这种投资组合，然

而，却毫无疑问地有几种错误的方法。可以坚信5位经纪人中不

会有人建议你把全部〔或一部份〕资金投入佩里威格斯公司。

Sowhatshouldyoudo?Wellassumethatyouhavesorted

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outthebasics--likemortgages,pensions,insuranceand

accesstosufficientcashreserves.Youshouldthen

establishyourownindividualaims.Thesearepartlya

matterofpersonalcircumstances,partlyamatterof

psychology.

比方说，假如你年纪较大，你从重大投资损失中复原过来的时

间就较少，你就很盼望能够提高你的养老金收入。因此，你的首

要任务就是爱护你的资金和引发额外的收入。在这种状况下，你

也许想制定一份包括某些股份〔但不是风险很大的股份〕的投资

组合，同时还有高度牢靠的证券、现金储蓄，可能还有可换证券，

或分割资本投资信托公司的所得股。

Ifyouareyounger,andinasolidfinancialposition,you

maydecidetotakeanaggressiveapproach--butonlyif

youreblessedwithasanguinedispositionandwontsuffer

sleeplessnightsovershareprices.Ifportfolio,alongside

yourmorepedestrianinvestments.Onceyouhavedecidedon

yourinvestmentaims,youcanthendecidewheretoputyour

money.Thegoldenrulehereisspreadyourrisk--ifyou

putallofyourmoneyintoPeriwigsInternational,youre

setting