華爾街的賺錢(qián)經(jīng) 第27期:投資捷徑與陷阱(5)

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Even with the recent runup in stocks, you still might have a larger-than-usual chunk of your assets in bonds these days, because bonds did well last year and have remained solid this year. If that's the case, rebalancing toward stocks makes sense, especially with their prices so low.

即便是在最近股市上揚(yáng)的情況下，你目前所持有的債券占你總資產(chǎn)的比例或許仍高于通常水平，因?yàn)閭ツ瓯憩F(xiàn)不錯(cuò)，今年也依然強(qiáng)勁。如果是這種情況，那么多持有一些股票是有意義的，特別是在股價(jià)如此之低的時(shí)候。

Preserve What You Have

保護(hù)已有的收益

One of the lessons of the past few years is that the stock market and your home are not ATMs. They are assets that can rise and fall. Having a strategy to preserve your gains is prudent in these challenging times.

過(guò)去幾年的教訓(xùn)之一是，股市和你的房子不是自動(dòng)取款機(jī)， 而是價(jià)值可漲可跌的資產(chǎn)。在當(dāng)前這個(gè)充滿(mǎn)挑戰(zhàn)的時(shí)期，擁有一個(gè)保護(hù)已有收益的戰(zhàn)略是謹(jǐn)慎的做法。

Along with diversification of assets-stocks, bonds, cash-maintain diversification in the stock market, as well. Buy broad, low-fee index funds, rather than individual stocks, to lower your exposure to risk.

除資產(chǎn)投資分散化(股票、債券和現(xiàn)金)外，股市投資也要 保持分散化。買(mǎi)進(jìn)大范圍的低成本指數(shù)基金，而不要買(mǎi)某只個(gè)股，以減小風(fēng)險(xiǎn)敞口。

And maintain a rainy-day fund in safer places, such as TIPS, certificates of deposit or highly rated municipal or corporate bonds. A good rule of thumb is to have a reserve of six months' earnings in case of a job loss.

把以防萬(wàn)一的資金放在比較安全的投資上，比如通貨膨脹 保值債券、定期存單，或評(píng)級(jí)較高的市政債券或公司債券。留出一筆相當(dāng)于6個(gè)月收入的備用金，萬(wàn)一失業(yè)就可以派上用場(chǎng)，這是個(gè)不錯(cuò)的經(jīng)驗(yàn)總結(jié)。