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Source text - English When you insist on appropriate asset allocation, you should look at all your invested assets and not just at those with our bank. There are many reasons why you should like stocks and you may have had good returns from them in the past. Mutual funds, however, give you a good deal more diversification and that provides for safety. Furthermore, a portfolio of mutual funds gives you professional fund management and expertise in asset allocation and in each area invested.
Index funds have had good performance in the past, but recently they are lagging managed funds. Moreover, when you buy an index fund you are eliminating the possibility of being invested in markets not represented by that index. Recently Japan is doing very well, and Europe had a great year in the past. The portfolios give an ability to be more diversified and invest in those markets as well.
In your overall portfolio you should have room for a diversified range of investments: CD¡¯s for maximum safety, bonds for a somewhat higher return, individual stocks, and a managed portfolio of investments through mutual funds.
The amount of exposure to the equity markets you have should depend upon your return expectations and your tolerance for risk. You should only be invested in the markets as much as you feel comfortable, but it is important to consider you full portfolio.
Translation - Chinese 当您坚持要获得适当的资产分派时，您应该检查您所有投资的资产，而不仅仅是那些与我们的银行有关的部分。您有许多原因喜欢股票，或许您以前就从股票得到过很好的回报。然而，共同基金给您提供多得多的选择以及安全性。此外, 共同基金组合为您在资产分派以及其他各投资领域提供专业资金管理和专家意见。
指数基金过去有过好表现，但是最近它在管理资金方面很迟缓。此外，当您买指数基金时，您就丧失了对该指数所不代表的市场投资的可能性。最近日本正做得很好，欧洲过去也有一年做得很好。投资组合能给您更多样化的选择，您也能在那些市场上投资。
在您的投资组合上，您应该为多样化的投资留有余地： 定期存款是为了最大的安全性、债券为了有更高的回报，还应有个人股票，以及一份共同基金投资管理组合。
您在股票市场上的暴露程度应该取决于您对回报的期望值和您容忍风险的能力。您的投资额只应该是您感到舒适的额度，但是，考虑您的整个投资组合也很重要。
Adobe Acrobat, Adobe Illustrator, Adobe Photoshop, Dreamweaver, Microsoft Excel, Microsoft Word, HomeSite, Illustrator, InDesign, Macromedia, MS Office 2000, MS Proofingtool, Photoshop, UltraEdit, Powerpoint, SDLX, Trados Studio, Trados Studio
Extensive experience with technical fields, including Computer Science (Hardware/software), Business/Finance, Marketing, Social Sciences, Literature, Art, Journalism, Medical, Children's books, Travel
MS degree in Information Technology from RIT, MA degree in History from SUNY Buffalo and Renmin University of China in Beijing.
Freelancer nationwide in the US, China, New Zealand, Canada, etc. Translator of many published books, Edited and proofread numerious books and articles, Proficient in website development and translation, Search Engine Optimization
Keywords: translation, interpretation, Chinese and English, website development and translation, Search Engine Optimization, editing, proofreading, voiceover, children's books translation, conference interpreter. See more.translation, interpretation, Chinese and English, website development and translation, Search Engine Optimization, editing, proofreading, voiceover, children's books translation, conference interpreter, immigration translator, legal intepreter, financial, accounting, technical, computer translaiton, West New York, WNY, Mandarine
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