华尔街的赚钱经 投资捷径与陷阱(6)

So, what should you definitely not do?

你绝对不该做的又是什么呢？

Don't Bury Your Money in the Backyard

不要把钱埋在后院里

With things the way they are, it's tempting¹ to simply opt² out altogether. Fear of financial-system failure, the uncertain nature of the stock market and just a sense of foreboding have people thinking that it's smarter to keep their money in the backyard, a mattress³ or an empty can.But it really isn't. The bank-insurance system works for holdings under $250, 000. I know because my bank once failed , and the transfer of assets was seamless. So, at least keep your cash in certificates of deposit earning some sort of return. An overabundance of fear and caution can cost you money; don 't let that happen to you.

考虑到现在的形势，人们可能很容易会想干脆什么也不投了。对金融体系失灵的担心，股市不确定的本性，甚至只是一种不祥之感，这些都会让人们认为把钱放在后院、床垫或空罐子里要更明智一些。不过这却是大错特错了。银行保险体系对低于25万美元的资产是能起作用的。我知道这点，因为我工作的银行倒闭了，而资产却实现了“无缝”转移。因此，至少把现金放到定存单中还能获得一些收益。过于小心谨慎或担心害怕会让你的金钱受到损失，不要让这点发生在你的身上。

Don't Chase Returns

不要追逐回报

This is a great temptation in any market, but especially so today. Bonds had a great run last year, but some analysts⁴ believe they may just be the next bubble waiting to burst

这在任何市场上都有很大的诱惑力，但在眼下就更为明显。债券去年大幅上扬，但一些分析师认为这可能是下一个等待破灭的泡沫。

1 tempting   

a.诱人的, 吸引人的

参考例句：

• It is tempting to idealize the past. 人都爱把过去的日子说得那么美好。
• It was a tempting offer. 这是个诱人的提议。

2 opt   

vi.选择，决定做某事

参考例句：

• They opt for more holiday instead of more pay.他们选择了延长假期而不是增加工资。
• Will individual schools be given the right to opt out of the local school authority?各个学校可能有权选择退出地方教育局吗？

3 mattress   

n.床垫，床褥

参考例句：

• The straw mattress needs to be aired.草垫子该晾一晾了。
• The new mattress I bought sags in the middle.我买的新床垫中间陷了下去。

4 analysts   

分析家，化验员( analyst的名词复数 )

参考例句：

• City analysts forecast huge profits this year. 伦敦金融分析家预测今年的利润非常丰厚。
• I was impressed by the high calibre of the researchers and analysts. 研究人员和分析人员的高素质给我留下了深刻印象。