新概念英語第四冊
Lesson 48 Planning a share portfolio
1 . but only if you're blessed with a sanguine disposition你必須性格開朗，
2 . However, there are undoubtedly some wrong ways,然而，卻毫無疑問地有幾種錯誤的方法。
3 . These are partly a matter of personal circumstances, partly a matter of psychology.這裡一方面是個人所處的環境，另一方面是個心理學的問題。
4 . family, finances and what you want from your investments.家庭、財源和你想從投資中獲得的好處的信息。
5 . and you may well wish to boost your pension income.你就很希望能夠提高你的養老金收入。
6 . So preserving your capital and generating extra income are your main priorities.因此，你的首要任務就是保護你的資金和引發額外的收入。
7 . even if you give all the relevant information about your age age,即便你提供了所有關於你的年齡、
8 . you may decide to take an aggressive approach --你可能會採取一種積極進取的方式
9 . In this case, you'd probably construct a portfolio with some shares(but not high risk ones), along with gilts, cash deposits,在這種情況下，你大概想制定出一份包括某些股份（但不是風險很大的股份）的投資組合，同時還有高度可靠的證券、現金儲蓄，
10 . you're likely to get five different answers, --你很可能得到5種不同的答覆，
11 . But exactly how does a newcomer to the stock market go about achieving that?但是，一個股票市場的新手又如何能做到這一點呢？
12 . You should then establish your own individual aims.然後，你一定要建立起自己的目標。
13 . you might include a couple of heady growth stocks in your portfolio,alongside your more pedestrian in vestments.你可在投資組合中包括幾項有令人陶醉的增值前景的增長股，和其他比較平淡的投資項目放在一起。
14 . like mortgages, pensions, insurance and access to sufficient cash reserves.如抵押貸款、養老金、保險金和動用現金儲備的機會。
15 . For instance, if you are older you have less time to recover from any major losses,比如說，如果你年紀較大，你從重大投資損失中恢復過來的時間就較少，
16 . The golden rule here is spread your risk --分散你的投資風險。
17 . There is no shortage of tipsters around offering 'get-rich-quick' opportunities.我們周圍不乏情報販子，向人們提供迅速發財致富的機遇。
18 . leave the Las Vegas mentality to those with money to fritter.就把拉斯韋加斯的心態留給那些有錢可供揮霍的人。
19 . and won't suffer sleepless nights over share prices.不會因股票價格的浮動而夜不能眠。
20 . and you can be sure that none of our five advisers would have suggested sinking all(or perhaps any) of your money into Periwigs.可以相信5位經紀人中不會有人建議你把全部（或一部分）資金投入佩裡威格斯公司。
21 . If you recognize yourself in this description,如果你覺得你的情況是這樣的話，
22 . But if you are a serious private investor,但是，如果你是一個認真的私人投資者，
23 . if you put all of your money into Periwigs International,you're setting yourself up as a hostage to fortune.如果你把所有資金投入佩裡威格斯國際公司，你就把自己當成了命運的人質。
24 . So what should you do? We'll assume that you have sorted out the basics --那麼你該怎麼做呢？我們假定你已把基本情況弄清楚了，
25 . If you are younger, and ina solid financial position,如果你年輕一些，並且經濟狀況可靠，
26 . and perhaps convertibles or the income shares of split capital investment trusts.可能還有可換證券，或分割資本投資信託公司的所得股。
27 . The serious investor needs a proper 'portfolio' --a well-planned selection of investments, with a definite structure and a clear aim.認真的投資者需要一份正規的投資組合表一種計劃很周密的投資選擇，包括你的投資結構和明確的目標。
28 . Moral? There is no one 'right' way to structure a portfolio.這是個道德問題嗎？沒有一種完全"正確的方法來排列這種投資組合，
29 . Once you have decided on your investment aims, you can then decide where to put your money.一旦你的投資目標確立以後，你就可以決定你的錢投向何處。
30 . Well, if you go to five reputable stock brokers and ask them what you should do with your money,如果你去向5位有威望的股票經紀人咨詢，詢問你應該如何使用你的資金，