新闻周刊:疫情下9项明智的投资(2)

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Financial advisers¹ and experts, with the help of tweets, charts, and screeds, have reminded anyone and all who'll listen to avoid checking your 401(k) as the S&P 500 turns into a falling knife and to avoid changing your investing plan simply because stocks are down sharply. That is good advice: It's nearly impossible to correctly time buying and selling stocks and studies show that those who try it typically end up making far less in the long run and possibly even losing money.

在推特、图表和长篇大论的帮助下，理财顾问和专家提醒所有愿意听的人，在标准普尔500指数变成一把下跌的刀子时，不要查看你的401(k)计划，不要仅仅因为股市大幅下跌就改变你的投资计划。这是一个很好的建议：几乎不可能正确地把握买卖股票的时间，研究表明，那些尝试这样做的人最终通常会赚得少得多，甚至可能赔钱。

But even if you turn off CNBC and resist the temptation to check your investment account balance, market downturns get harder to ignore when they look like they'll be followed by recession, high unemployment and stress on your personal bottom line.

但即使你关掉CNBC频道，抵制住查看投资账户余额的诱惑，当市场低迷看起来会伴随着衰退、高失业率和个人底线压力时，你也很难忽视它。

The most vulnerable—often believed to be young people about to graduate and launch their careers and older people on the verge² of retirement³—may not be limited to who you think they are. A recent paper from the Center for Retirement Research at Boston College found that the youngest boomers (those currently between the ages of 55 and 60) have much less saved in their 401(k)s and IRAs than older boomers in large part because many lost their jobs during the 2008 financial crisis and were only able to find lower-paying work when they re-entered the workforce⁴. That is, in their forties, as the youngest boomers were moving into what was supposed to be their peak-earning years, they lost momentum⁵ and weren't able to recover, even though an historic economic expansion and stock market boom followed the Great Recession.

最脆弱的人——通常被认为是即将毕业、开始职业生涯的年轻人和即将退休的老年人——可能并不局限于你认为他们是谁。波士顿学院退休研究中心最近发表的一篇论文发现，与上一代婴儿潮一代相比，最年轻的婴儿潮一代(目前年龄在55岁至60岁之间)在401(k)计划和个人退休账户上的存款要少得多。也就是说，在他们40多岁的时候，当最年轻的婴儿潮一代步入他们本应达到顶峰的那几年，他们失去了动力，无法恢复，尽管在大衰退之后出现了历史性的经济扩张和股市繁荣。

1 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。

2 verge   

n.边，边缘；v.接近，濒临

参考例句：

• The country's economy is on the verge of collapse.国家的经济已到了崩溃的边缘。
• She was on the verge of bursting into tears.她快要哭出来了。

3 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。

4 workforce   

n.劳动大军，劳动力

参考例句：

• A large part of the workforce is employed in agriculture.劳动人口中一大部分受雇于农业。
• A quarter of the local workforce is unemployed.本地劳动力中有四分之一失业。

5 momentum   

n.动力，冲力，势头；动量

参考例句：

• We exploit the energy and momentum conservation laws in this way.我们就是这样利用能量和动量守恒定律的。
• The law of momentum conservation could supplant Newton's third law.动量守恒定律可以取代牛顿第三定律。