投资捷径与陷阱

　　Despite recent gains in the stock market, portfolios remain badly damaged by the market performance of the past 18 months With jobs still falling away at a rapid clip, the recession is still a serious concern.

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　　尽管近期股市出现了上涨，但过去18个月里市场的表现仍让投资组合损失惨痛。就业率仍在快速下降，经济衰退的阴影挥之不去。

　　As we wade through these difficult times, how should you think about your own financial situation? A good starting point is to remember what Kipling wrote: Keep your head about you as everyone is losing theirs. It's a great temptation in times such as these to think things will never get better. But if history shows us anything , things do eventually improve. In fact, judging by the standards of past economic shocks, this recession is getting long in the tooth. The average recession since World War II has lasted 11 months, and the longest was 16 months in 1981-1982. Our current crisis is 15 months old.

　　当我们经历这些困难时，你应当如何考虑自己的财务状况呢？最基本的一点是要记住吉卡林所写的-在别人糊涂时依然保持清醒。在眼下这个时刻，很容易产生情况永远也不会好转的想法。但如果说历史对我们有所启迪，那就是事情最终会有所改善。事实上，按以往经济动荡的标准判断，这次衰退的时间已经很久了。第二次世界大战以后的衰退平均持续时间为 11个月，最长是1981年至1982年之间的16个月。本轮危机已经持续了15个月了。