华尔街的赚钱经 年龄不同 投资策略不同(2)

All that does is lock in the losses and prevent a chance to recover."

所有这些都锁定了损失，阻止了复苏的机会”。

In order to boost savings¹ during this critical time, Mr. Medley² encourages clients in this age range to set up automatic savings plans

为了在这样的关键时期提高存款额，麦德利鼓励这个年龄段的客户设置自动存款计划，

that direct a portion of their paychecks into an investment account at a firm like Charles Schwab or Fidelity³ Investments, where it can be invested in stock mutual⁴ funds.

直接将部分工资转到嘉信理财或富达投资等机构的投资账户中，从中可以投资股票共同基金。

"People need to save money outside of their retirement⁵ account," says Mr. Medley. "And as elementary as it may seem, an automatic plan works well for most people."

麦穗利说，“人们需要在他们的退休账户之外另行存钱。自动计划实际上也很简单，适合于大多数人”。

55 and Over

55或55岁以上

As you get closer to your retirement years, you want to hold onto the capital you've built up over time.

随着你的退休年龄越来越近，你希望这些年来积攒的资金能够保值。

Trouble is, a lot of that capital has gone away in the market downdraft of the past two years.

问题是，其中的许多资金在过去两年市场的下行中都已经损失了。

"What's important in this case is recognizing where you are right now and not trying to think about where you were in 2007,"

“在这种情况下，重要的是清楚你目前的状况，不要再去想你在2007年时的情况”。

says Tommy Williams of Williams Financial Advisers⁶ in Shreveport, La.

路易斯安那州Williams Financial Advisers的威廉姆斯说，

According to recent surveys, retirement security is first and foremost on the minds of people in this group.

最近的调查显示，这部分人首先考虑的是退休安全。

One strategy is to consider the minimum amount of income you require on an annual basis and then see if there's a low-cost annuity⁷

一个策略是，想想你每年所需的最低收入是多少，然后看看有没有低成本的年金，

that promises to pay at least that amount for life.

可以承诺终生支付至少这个数目。

"Annuities⁸ can play a very strong role, because a lot of them carry guaranteed income," says Mr. Bonhard...

伯恩哈德说，“年金扮演着非常重要的角色，因为许多年金都会保障收入。

Having those guarantees makes it easier to take a little additional risk with the rest of your assets.

有了这些保障，其他的资产冒点风险问题也会太大。

But you do pay something to get those guarantees, and you have to watch that closely."

但你得有所付出才能获得这些保障，而且必须密切关注”。

Given the stock market's still relatively⁹ low level and, for some folks, a need to rebuild a broken portfolio¹⁰,

考虑到股市仍处于相对低的水平，而且一些人还需要重建以前的投资组合，

some advisers recommend tweaking your portfolio mix to have a bit more stock-market exposure via low-cost stock-index mutual funds.

因此一些咨询师建议调整投资组合的成分，通过低成本股市指数共同基金来实现更高的股市敞口。

Portfolio choices, especially among retirees, should be made from a stance of prudence¹¹ and common sense.

应当从审慎和常识的立场出发来选择投资组织，尤其是退休人员。

Having enough is more important than having more," says Mr. Bonhard. "If you've reached enough, you don't want to be gambling¹² for more."

伯恩哈德说，“知足比多多益善更重要，如果已经够了，就不应该冒险想再多捞点。”

He cautions that you should purchase annuities only from companies with a strong financial position and solid credit ratings.

他还提醒，只能从那些财务状况良好、信用评级可靠的公司购买年金。

1 savings   

n.存款，储蓄

参考例句：

• I can't afford the vacation,for it would eat up my savings.我度不起假，那样会把我的积蓄用光的。
• By this time he had used up all his savings.到这时，他的存款已全部用完。

2 medley   

n.混合

参考例句：

• Today's sports meeting doesn't seem to include medley relay swimming.现在的运动会好象还没有混合接力泳这个比赛项目。
• China won the Men's 200 metres Individual Medley.中国赢得了男子200米个人混合泳比赛。

3 fidelity   

n.忠诚，忠实；精确

参考例句：

• There is nothing like a dog's fidelity.没有什么能比得上狗的忠诚。
• His fidelity and industry brought him speedy promotion.他的尽职及勤奋使他很快地得到晋升。

4 mutual   

adj.相互的，彼此的；共同的，共有的

参考例句：

• We must pull together for mutual interest.我们必须为相互的利益而通力合作。
• Mutual interests tied us together.相互的利害关系把我们联系在一起。

5 retirement   

n.退休，退职

参考例句：

• She wanted to enjoy her retirement without being beset by financial worries.她想享受退休生活而不必为金钱担忧。
• I have to put everything away for my retirement.我必须把一切都积蓄起来以便退休后用。

6 advisers   

顾问，劝告者( adviser的名词复数 )； （指导大学新生学科问题等的）指导教授

参考例句：

• a member of the President's favoured circle of advisers 总统宠爱的顾问班子中的一员
• She withdrew to confer with her advisers before announcing a decision. 她先去请教顾问然后再宣布决定。

7 annuity   

n.年金；养老金

参考例句：

• The personal contribution ratio is voluntary in the annuity program.企业年金中个人缴费比例是自愿的。
• He lives on his annuity after retirement.他退休后靠退休金维生。

8 annuities   

n.养老金；年金( annuity的名词复数 )；（每年的）养老金；年金保险；年金保险投资

参考例句：

• Many companies in this country grant their old employees annuities after they retire. 这个国家的许多公司在老年雇员退休后发给他们养老年金。 来自辞典例句
• Can I interest you in one of our Easter Annuities or IRA accounts? 您对我们的复活节年金保险或者个人退休金帐户有兴趣吗？ 来自电影对白

9 relatively   

adv.比较...地，相对地

参考例句：

• The rabbit is a relatively recent introduction in Australia.兔子是相对较新引入澳大利亚的物种。
• The operation was relatively painless.手术相对来说不痛。

10 portfolio   

n.公事包；文件夹；大臣及部长职位

参考例句：

• He remembered her because she was carrying a large portfolio.他因为她带着一个大公文包而记住了她。
• He resigned his portfolio.他辞去了大臣职务。

11 prudence   

n.谨慎，精明，节俭

参考例句：

• A lack of prudence may lead to financial problems.不够谨慎可能会导致财政上出现问题。
• The happy impute all their success to prudence or merit.幸运者都把他们的成功归因于谨慎或功德。

12 gambling   

n.赌博；投机

参考例句：

• They have won a lot of money through gambling.他们赌博赢了很多钱。
• The men have been gambling away all night.那些人赌了整整一夜。