投资需谨慎: 五种最愚蠢的投资理财方式
<p><span word="You">You</span> <span word="know">know</span> <span word="the">the</span> <span word="smartest">smartest</span> <span word="things">things</span> <span word="to">to</span> <span word="do">do</span> <span word="with">with</span> <span word="your">your</span> <span word="money">money</span>. <span word="But">But</span> <span word="what">what</span> <span word="are">are</span> <span word="the">the</span> <span word="worst">worst</span> <span word="moves">moves</span>? <span word="What">What</span> <span word="should">should</span> <span word="you">you</span> <span word="avoid">avoid</span>?</p><p>自己的钱该怎么打理才最明智，对此你一定心知肚明。但是你知道最糟糕的做法是什么吗？哪些是你应该避免的呢？</p><p><span word="Weirdly">Weirdly</span> <span word="enough">enough</span>, <span word="they">they</span> <span word="are">are</span> <span word="things">things</span> <span word="that">that</span> <span word="a">a</span> <span word="surprising">surprising</span> <span word="number">number</span> <span word="of">of</span> <span word="people">people</span> <span word="are">are</span> <span word="still">still</span> <span word="doing">doing</span>─<span word="even">even</span> <span word="though">though</span> <span word="they">they</span> <span word="probably">probably</span> <span word="know">know</span>, <span word="in">in</span> <span word="their">their</span> <span word="heart">heart</span> <span word="of">of</span> <span word="hearts">hearts</span>, <span word="how">how</span> <span word="foolish">foolish</span> <span word="they">they</span> <span word="really">really</span> <span word="are">are</span>.</p><p>奇怪的是，那些应该避免的事情却有很多人仍然在做，而且人数之多让人瞠目──尽管这些人在内心深处可能很清楚自己的做法实际上有多愚蠢。</p><p><span word="Any">Any</span> <span word="list">list</span> <span word="is">is</span> <span word="going">going</span> <span word="to">to</span> <span word="be">be</span> <span word="incomplete">incomplete</span>. <span word="But">But</span> <span word="here">here</span> <span word="are">are</span> <span word="five">five</span> <span word="to">to</span> <span word="avoid">avoid</span>.</p><p>想把这些蠢事一个不落地全列出来恐怕不可能。不过我们可以试着列出其中的五件。</p><p>1. <span word="Reaching">Reaching</span> <span word="for">for</span> <span word="yield">yield</span></p><p>1. 追求高收益率</p><p><span word="What">What</span> <span word="this">this</span> <span word="country">country</span> <span word="needs">needs</span> <span word="is">is</span> <span word="a">a</span> <span word="good">good</span> 5% <span word="certificate">certificate</span> <span word="of">of</span> <span word="deposit">deposit</span>. <span word="Instead">Instead</span> <span word="the">the</span> <span word="collapse">collapse</span> <span word="in">in</span> <span word="interest">interest</span> <span word="rates">rates</span>, <span word="and">and</span> <span word="the">the</span> <span word="Federal">Federal</span> <span word="Reserve">Reserve</span>'<span word="s">s</span> <span word="policy">policy</span> <span word="of">of</span> <span word="keeping">keeping</span> <span word="them">them</span> <span word="down">down</span> <span word="for">for</span> <span word="as">as</span> <span word="long">long</span> <span word="as">as</span> <span word="possible">possible</span>, <span word="is">is</span> <span word="driving">driving</span> <span word="people">people</span> <span word="crazy">crazy</span>─<span word="especially">especially</span> <span word="people">people</span> <span word="who">who</span> <span word="need">need</span> <span word="to">to</span> <span word="generate">generate</span> <span word="income">income</span> <span word="from">from</span> <span word="their">their</span> <span word="investments">investments</span>.</p><p>美国这个国家需要的是收益率能够达到5%的定期存单。然而，这里有的只是利率的一降再降，以及联邦储备委员会(<span word="Federal">Federal</span> <span word="Reserve">Reserve</span>)尽量将利率维持在低位的政策，这样的现状逼得人们愈加疯狂──对于那些需要从投资中获取收益的人而言尤其如此。</p>
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