新闻周刊:疫情下9项明智的投资(1)（在线收听）

BUSINESS

来源于《商业》版块

9 SMART MONEY MOVES TO MAKE AMID THE CORONAVIRUS PANDEMIC

在冠状病毒大流行的情况下，9项明智的投资行动

BY TAYLOR TEPPER

作者：泰勒·泰珀

As COVID-19 has spread from China to Seattle, with outbreaks in more than 150 countries and territories in between, the coronavirus pandemic is now not only a public health crisis, but an economic one as well. Even if you never get sick, your wallet will undoubtedly suffer.

随着COVID-19从中国传播到西雅图，在150多个国家和地区爆发，新冠病毒不仅是一场公共卫生危机，也是一场经济危机。即使你没有感染，毋庸置疑钱包也会受到影响。

In fact, it is already likely feeling some pain. The only questions are to what degree and how much worse it will get.

事实上，钱包可能已经感到了一些痛苦。唯一的问题是现在是何种程度以及会恶化到什么程度

People saving for retirement and other long-term goals, for instance, have seen the value of stocks in their 401(k)s and IRAs drop by nearly 30 percent on average in a matter of weeks. Anyone who works for an airline, hotel, restaurant, sports arena or movie theater (especially if they're shift workers) or who runs a local small business has probably already taken a serious income hit, as consumers stop consuming and public life is curtailed at the urging of government officials and medical experts. Meanwhile, the list of conferences and events postponed or cancelled and business plans reined in or shelved grows daily.

例如，为退休和其他长期目标存钱的人发现他们的401(k)计划和个人退休帐户的股票价值在几周内平均下降了近30%。任何为航空公司、酒店、餐厅、体育馆或电影院工作的个人（尤其是轮班职工），或当地小型企业经营者在收入方面可能已经遭受了严重打击，在政府官员和医学专家的敦促下，消费者停止消费，公共生活受到限制。与此同时，越来越多会议和活动被推迟或取消，更多商业计划被限制或搁置。

Despite the Federal Reserve's efforts to keep pumping money into the economy to keep it afloat and the $1 trillion stimulus package being planned in Washington, recession at this point seems inevitable, say economists from Goldman Sachs, JP Morgan Chase, Morgan Stanley and many others. Early indicators are already starting to trickle in: Retail sales fell the most in a year in February and jobless claims were expected to jump in mid-March, even before the full force of coronavirus containment measures began rippling through the economy.

来自高盛、摩根大通、摩根士丹利和其他许多机构的经济学家称，尽管美联储努力继续向经济注入资金以维持其运转，华盛顿也正在计划1万亿美元的经济刺激方案，但眼下的衰退似乎是不可避免的。早期的迹象已经开始慢慢显现：2月零售销售降幅为一年来最大，初请失业金人数预计在3月中旬激增，甚至是在冠状病毒控制措施全面影响经济之前。

It's never a good idea to panic, but it's certainly reasonable to be worried about the possible impact of the pandemic on your financial health as well as your physical well-being—and to prepare as much as you can for what lies ahead. Here's what you need to know and do now.

恐慌从来都不是好事，但肯定有理由担心疫情大流行对你的财务健康和身体健康可能造成的影响——尽你所能为未来做好准备。以下是你现在需要知道、需要做的事情。