新概念英语第四册

新概念英语的学习，是对于我们同学们英语学习能力的一大挑战。想要做好新概念英语学习，我们首先应该注重自己的英语学习能力的提高。在我们的新概念英语第四册的学习中，我们应该注重课本知识点的掌握，做好知识点的总结工作。

规划股份投资

First listen and then answer the following question.

听录音，然后回答以下问题。

How does the older investor differ in his approach to investment from the younger investor?

There is no shortage of tipsters around offering 'get-rich-quick' opportunities.

我们周围不乏情报贩子，向人们提供迅速发财致富的机遇。

But if you are a serious private investor, leave the Las Vegas mentality to those with money to fritter.

但是，如果你是一个认真的私人投资者，就把拉斯韦加斯的心态留给那些有钱可供挥霍的人。

The serious investor needs a proper 'portfolio' --a well-planned selection of investments, with a definite structure and a clear aim.

认真的投资者需要一份正规的投资组合表 -- 一种计划很周密的投资选择，包括你的投资结构和明确的目标。

But exactly how does a newcomer to the stock market go about achieving that?

但是, 一个股票市场的新手又如何能做到这一点呢?

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位有威望的股票经纪人咨询，询问你应该如何使用你的资金，

you're likely to get five different answers,

你可能得到5种不同的答复，

--even if you give all the relevant information about your age, family, finances and what you want from your investments.

即便你提供了有关于你的年龄、家庭、财源和你想从投资中获得好处的信息。

Moral? There is no one 'right' way to structure a portfolio.

这是个道德问题吗?没有一种完全“正确”的方法来排列这种投资组合，

However, there are undoubtedly some wrong ways, and you can be sure that none of our five advisers would have suggested sinking all (or perhaps any) of your money into Periwigs.

然而，却毫无疑问地有几种错误的方法。可以相信5位经纪人中不会有人建议你把全部(或一部份)资金投入佩里威格斯公司。

So what should you do?

那么你该怎么做呢?

We'll assume that you have sorted out the basics--like mortgages, pensions, insurance and access to sufficient cash reserves.

我们假定你已把基本情况弄清楚了，如抵押贷款、养老金、保险金和动用现金储备的机会。

You should then establish your own individual aims.

然后，你一定要建立起自己的目标。

These are partly a matter of personal circumstances, partly a matter of psychology.

这里一方面是个所处的环境，另一方面是个心理学的问题。

For instance, if you are older you have less time to recover from any major losses, and you may well wish to boost your pension income.

比如说，如果你年纪较大，你从重大投资损失中恢复过来的时间就较少，你就很希望能够提高你的养老金收入。

So preserving your capital and generating extra income are your main priorities.

因此，你的首要任务就是保护你的资金和引发额外的收入。

In this case, you'd probably construct a portfolio with some shares (but not high risk ones), along with gilts, cash deposits,

在这种情况下，你大概想制定一份包括某些股份(但不是风险很大的股份)的投资组合，同时还有高度可靠的证券、现金储蓄，

and perhaps convertibles or the income shares of split capital investment trusts.

可能还有可换证券，或分割资本投资信托公司的所得股。

If you are younger, and in a solid financial position,

如果你年轻一些，并且经济状况可靠，

you may decide to take an aggressive approach--but only if you're blessed with a sanguine disposition and won't suffer sleepless nights over share prices.

你可能会采取一种积极进取的方式--你必须性格开朗，不会因股票价格的浮动而夜不能眠。

If you recognize yourself in this description,

如果你觉得你的情况是这样的话，

you might include a couple of heady growth stocks in your portfolio, alongside your more pedestrian investments.

你可在投资组合中包括几项有令人陶醉的增值前景的增长股，和其他比较平淡的投资项目放在一起。

Once you have decided on your investment aims you can then decide where to put your money.

一旦你的投资组合中包括几项有令人陶醉的增值前景的增长股，和其他比较平淡的投资项目放在一起。一旦你的投资目标确立以后，你就可以决定你的钱投向何处。

The golden rule here is spread your risk--if you put all of your money into Periwigs International,

这里的指导原则是：分散你的投资风险。

you're setting yourself up as a hostage to fortune.

如果你把所有资金投入佩里威格斯国际公司，你就把自己当成了命运的人质。

希望以上所进行的新概念英语第四册的知识点总结，能够帮助同学们的新概念英语的学习。英语的学习中，不止是需要我们大家付出努力，更重要的是英语学习技巧的掌握以及学习能力的提高。最后，希望同学们都可以重视起来新概念的学习，提高学习技能。