英语笔译实务 3级配套训练 第四单元 汉译英(二) 投资者常犯的错误

英语笔译实务3级配套训练第四单元

汉译英（二）

投资者常犯的错误

股票价格因为当前的金融危机已大幅度下跌。虽然目前还不肯定是否已见底，但小投资者还可以考虑趁目前的低价格买进一些从前遥不可及的蓝筹股。如果你决定投资了，应避免犯以下一系列错误：

1. 资产分布不充分：资产分布就是你把资金分配于不同种类的资产，例如带来固定收入的定期存款和债券基金，或是具增值潜能的股票或房地产。许多投资者都犯把大部分资金集中于一项投资的错误，如股票或房地产。一旦房地产市场或股票下滑，他们所受的冲击将不小。谨慎的做法是拥有一笔相当于六个月薪金的储蓄，在股市和房地产市场突然下滑或是急需现金时，可作为保障。

2. 投资不够多元化：如已决定将部分资金用于包括股份在内的投资组合，你应该尽量使投资组合多元化，以使风险最小化。举例说，如果你投资的是股票，应尽可能不要过度集中于某只股票。除此之外，也应确保组合内的股票不是都从事某个行业。如果有足够的资源，甚至投资的地区也应多元化。如果你初次接触投资，你可能没有足够的资金，一只股票可能就用掉你的大部分储蓄。投资基金昌一个分散投资的方式。负责管

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理基金的经理会集合许多投资者的资金，组成一个风险分散的投资组合。

课文词汇

蓝筹股blue chip stockt 资产asset

定期存款fixed deposit 债券基金bond fund

房地产real estate, housing properties

投资组合investment portfolio; portfolio

参考译文

Mistakes Investors Often Make

Stock prices have fallen / dropped considerably / dramatically / significantly during the current financial crisis / economic malaise. Although there is the risk that markets may not have touched [the] bottom/have not yet bottomed, the current low stock prices offer an opportunity/chances for retail/small investors to gradually invest in selected blue chip stocks that may have previously been out of reach/that were too costly for them in the past. In the event that you decide to invest (make an investment), here is a list of pitfalls/mistakes you should avoid:

1. Inadequate Asset Allocation (All Your Eggs in One Basket). Asset

allocation is the process of dividing your pool of money among different asset classes (spread your funds over various types of assets), e.g. between income investments such as fixed deposits and bond funds, and/or growth investments which will include stocks or property/real estate. The mistake many investors make is to put (Inexperienced investors often err by placing) most of their money in one form of investments, say, stocks or properties. As a result, when the property and stock markets decline, these investors are in an extremely vulnerable position. It is always prudent to keep aside about 6 months’ salaries as a safeguard against sharp declines (a sudden plunge) in the stock and property markets or in the event that you need cash urgently.

2. Lack of Diversification. Having decided that you want to put aside some money in an investment portfolio comprising, say, equities, you should always aim to diversify the stocks within your portfolio so as to minimize your risk.

For example, if you want to invest in stocks (In the case of stock investment), you should not concentrate on/focus on a single stock. In addition, you should diversify between different industries/sectors/trades, and if resources permit, within different geographical regions (in the case of ample funds, from different parts of the globe). As a new investor (If you are a first-time investor), you may not have a lot of funds at your disposal. The purchase of one stock alone could utilize the greater part of (the bulk of) your savings. One way to diversify is to invest in a fund. As the fund manager

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