个人理财:分散投资来保护你的金钱

2012-11-15 00:00:00来源：可可英语

　　很多人会有这种感觉，面对手中的钱不知该如何管理，全都放入银行又觉得这些资金没有得到充分的利用，本文会在理财方面为您提一些建议。

　　I am going to talk to you about how to protect your money, which basically means ensuring that you have eggs in different baskets. Diversification, which basically means spreading the risk will ensure that you achieve a wide spread of how your money is invested. What this effectively does is making sure that you don't have too much money in any one sector whether it is within any given aspect of the market or dealing in cash.

　　我来向大家讲述一下怎样保护你的钱，最基本的就是把所有的钱投资在几个不同的方向。分散投资意味着分散风险，确保你可以从投资中获得最大范围的收益。这种投资方式可以有效保证不要在某一个市场或交易中投入太多资金。

　　It's like balancing scales. You don't want it to be weighed to one side more against the other. The idea is to ensure they balance.

　　就像是天平。你不想要天平的一端高出另外一端，也就是要保持平衡。

　　That's what we refer to as diversification, making sure you have eggs in different baskets. The asset allocation is really important. Not only for ensuring that you protect your money by investing in different fund houses in relevant component parts, but it's also the asset allocation that's driving the primary part of performance, not fund selection and not individual selection of stocks.

　　这就是我们所说的分散投资，要把鸡蛋放入不同的篮子里。资产分配非常重要。不仅仅是通过投资在不同的基金公司来保护你的金钱，而且还是关于整个资产分配的问题，不仅仅是基金部门，也不仅仅是股票市场。

　　For example, if you have accrued 500,000 pounds of savings, what you shouldn't do is to put all into account with one institution. The reason being if the institution should fail for whatever reason, you really committed yourself about putting eggs into one basket. The specification, spreading your money around, allows you to reduce the risk.

　　例如，如果你有500,000英镑存款，你不可能把所有的钱投入一个机构。原因就是，如果这家机构由于某种原因倒闭，你投资在这家机构就会蒙受巨大损失。最简单的方法就是把钱放在不同的机构，可以降低风险。

　　Remember, don't put your money into one basket. Spread the risks with different institutions and that's a way to protect your money.

　　记住，不要把所有资金放在一个篮子里。通过投资于不同的机构来分散风险，这就是保护你的金钱的方法。

本文关键字: 投资