華爾街的賺錢經(jīng) 第26期:投資捷徑與陷阱(4)

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For that reason, it's smart to have a portion of your fixed-income investments in Treasury inflation-protected securities, or TIPS. These bonds are backed by the U.S. government, like normal Treasury papers, but also have built-in protections that boost returns to account for inflation.

出于這個原因，在你的固定收益投資中持有部分財政部通貨膨脹保值債券(TIPS)當(dāng)是明智之舉。同普通美國國債一樣，這些債券不但得到了美國政府的支持，而且本身還具有保護(hù)功能，可在通貨膨脹時提高回報率。

Another inflation-hedging strategy is to invest in commodities. When growth resumes, demand for oil, copper and other commodities will rise, making their prices increase. A warning, though: Given the volatility of commodities, financial planners recommend that investors have no more than 5% to 10% of their portfolio in this sector.

另一個對沖通貨膨脹的策略是投資大宗商品。當(dāng)經(jīng)濟(jì)恢復(fù)增長時，對石油、銅和其他大宗商品的需求將會增加，從而將推動它們的價格上漲。不過，應(yīng)該注意：鑒于商品的波動性，理財規(guī)劃師建議，投資者對這部分的投資不應(yīng)超過其投資組合的5%至10%。

Have a Stock-Market Strategy

要有股市投資戰(zhàn)略

Despite the recent sprint in share prices, investors remain leery of the stock market. It will take more than a four-week rally to soothe the pain caused by the stock market since it tumbled from its late-2007 highs. When so much doubt surrounds the stock market, it's usually a time to think about investing in equities. Despite the horrid pain most of us have suffered in the market during the past 18 months, stocks, like the economy, will not remain down forever.

盡管最近股價有所上揚(yáng)，但投資者對股市仍應(yīng)持警惕態(tài)度。股市自 2007年末不斷創(chuàng)出新高后一路下跌，這種情況造成的損失不是靠一輪為時 4周的上漲就能消除的。當(dāng)有這么多的懷疑籠罩著股市時，通常也就到了考慮投資股市的時候了。盡管過去 18個月里我們大部分人都在股市上遭受了切膚之痛，但股市和經(jīng)濟(jì)一樣，不會永遠(yuǎn)保持低迷狀態(tài)。