Question

求翻译一段资料 中译英

实践给我的启示：

我的这两个计划已经有了结果，成为了历史。如果换一个人，换一个时间，换一种方法，这个小小的历史就有可能是另外一种结果。然而，历史毕竟是历史，发生在一个家庭里的历史或许也是若干家庭共有的历史。作为主人翁，我从这十年的尝试得到了众多的启示：

1. 必须认真看待“投资有风险”这个极其简单的警告；
“投资有风险”是千千万万投资人用身家性命写出来的警句，其内涵深不可测，切莫置若罔闻。在风险面前，没有人会比别人幸运。事实上，金融市场上赔钱是经常而广泛发生的，仅就1998年到今天，投资在股市和基金上的教育储蓄计划已经遭遇过两次严重的市场冲击，本人计划就是其中一例。

2客观地看待自己的投资知识和经验，不要高估自己；
我在96年末选择了比较保守的RBC Balance Fund作为最早的投资尝试。96年底到98年三月，市场形势比较好，投资增长挺快，15个月的时间里，$1355的投资获利$257.77。我对自己的能力开始变得比较乐观，于是就改变策略选择了回报可能更高的RBC Balanced Growth Fund，进而又购买了RBC Equity Fund．从96到2000年九月的三年多时间里共投资$7355，获得补贴$800，账面利润$2332，效果不错，账面累计$10487.92．
始料不及的是，金融市场在2000年开始出现大幅度下降。到2001年底，账面累计只有$11969.03，扣除新增$2800投资和补贴，实际损失了$1318.3，跌幅大约12.5%。到2002年底，账面累计达到$11759，投资期内发生的投入（$2400）和支出($2000) 相抵之后，又损失了$610。
由于看不清市场走势，我将2001和2002年的投资无可奈何地放到了Money Market Fund，明知收益很低，却也只能出此下策，以期避免进一步的损失。

在没吃亏之前，我也曾躇筹满志，相信自己能够管好投资，结果事与愿违，还是先赢后亏。大市一出问题，我只能听任市场摆布，眼睁睁看着市场下降，无计可施。吃了亏，我才真正发现自己的金融知识是那样的欠缺，投资经验是那样的匮乏，一个对金融市场只具有简单了解的投资者在金融大潮面前又是那样的无助。
回顾十几年的经历，发现我其实是将一个“要求具有专业素质”的圈套套在了自己这个非专业人士的脖子上，“没有金刚钻，偏揽瓷器活”，其结果不佳也就不足为怪了。

Answer 1

Practice for my revelation:

My two plans have become history,. If a man, for a time, in a way, this little history there may be another results. However, history, after all, is in a family history of several common family history may also of history. As the years from the masters, I attempt to get a large number of revelation:

1. Must seriously "investment risk" this extremely simple warning,
"The investment risk" is filled with thousands of investors write life wisdom, its connotation, but deep. In the front, and no one will risk than others. In fact, the financial markets -- is often and widely, just in 1998 to invest in stocks and today, the education deposit fund plans have been encountered two serious impact, I plan is the market one.

2 objectively treat their investment knowledge and experience, don't overestimate yourself,
In the end of 1996, I chose conservative RBC's Fund Balance to the investment as the first. By the end of March 1996 to 1998, the market situation, investment growth is fast, 15 months time, the investment profits of $1355 257.77 $. My own ability become more optimistic, then change strategy choice might have a higher return the Balanced Growth Fund, and RBC Equity Fund and bought from RBC 96 to 2000 in the three years investing $7355 and subsidies, paper profits of $800 2332, well, $total $10487.92 book.
Unexpected is in 2000, financial market began to appear drastically. By the end of 2001, the book only $11969.03 accumulated, and new $2,800 investment subsidies, the actual loss, about $1318.3 12.5%. To the end of 2002, the total $rose to 11,759 book occurred in the period of investment, investment ($24m) and expenditure ($2000), and the loss of depreciation after $61.
Not because I will 2001 Market trends and 2002 helplessly as the investment Fund Money on the Market, who is very low income, but also can out, in order to avoid further records of loss.

No, I have a prior Chu chips, full believe that we can manage investment, results, or after winning. A major problem, I can only allowed market mercy, watch market decline, do. Eat, I really found their financial knowledge is the lack of experience, so that the lack of investment, financial market with only one to understand the investors in the financial simple before the tide is so helpless.
Ten years of experience, review that I was actually a "professional quality requirements of the trap" in his neck of the non-professional, "not a diamond, attracting porcelain", the result is not too.

Answer 2

Inspiration for me from experience:

Two of my plans already have the result which has become history. If changing a person, changing timing, changing a method, this little history may have another different result. However, history is history, a history happened in a family maybe is the history for many family. As a host, I have lots of inspiration from these ten years trial.

1. Should be careful to handle a simple warning “Investment has risk”
Warning of “Investment has risk” is written by many investors with all of their lives and assets. The content is very difficult to predict, and please don’t ignore it. In front of risk, nobody will be luckier than others. In fact, losing money in the financial market is very common. From 1998 till today, investment on stock market and mutual fund for the saving plan has already encountered two serious impacts, and my personal plan is one of those.

2. Be objective to evaluate our investment knowledge and experience and don’t overestimated ourselves:
At the end of 1996, I have chosen a relatively conservative fund, RBC Balance Fund as my initial investment trial. From the end of 1996 to March 1998, the market is in a good shape, and investment grows quickly, within 15 months, there is an investment gain for $257.77 from $1,355. I am positive of my own ability, and I changed my strategy to choose a higher return investment, RBC Balanced Growth Fund, and then bought RBC Equity Fund, from 1996 to Sep 2008, I have invested total $7,355 and rewarded $800 bonus and the profit showing in the balance is $2,332. The result is not bad, accumulated total $10,487.92.
Nobody can forecast that the financial market has a huge drop in 2000. Till the end of 2001, accumulated total only has $11,969.03 and minus the newly added investment and bonus of $2,800, the actual lost is #1,318.3. The decrease percentage is around 12.5%. Till the end of 2002, accumulated in balance reached $11,759, the compensate from the input of investment period($2,400) and the expense ($2,000), there is another lost $610.
Because the market trend is unclear, I had no alternative to put my investment from 2001 to 2002 to Money Market Fund, and clearly know that the return is low, but still have to implement this bad strategy in order to avoid the further lost.

Before the lost, I was also confident and believe that I can manage the investment. Finally the result is not what I expected, and it’s still made the profit first and lost at the end. Once there is serious problem in the market, I can only be ordered randomly by the market. I can only look at the decrease of the market and without any strategy. I lost and I really found that my financial knowledge is lacking, investment experience is also lacking. For an investor with only simple financial market knowledge is very helpless when he faces the financial turbulence. Looking back the past 10 years experience, I found that I actually putting a necklace “Needing a professional quality” on my neck which is an non-professional neck. Without the yellow card, I am not surprised that the result is not good

Answer 3

自己看吧

Practice has given me the inspiration:

My plan has two results, has become history. In other words, if a person is, for a time, a different approach, the history of this small, there may be a different result. However, history is history, after all, took place in a family's history and perhaps there are a number of family history. As masters of this decade, I try to get a lot of inspiration:

1. Must seriously look at "investment risk" is extremely simple warning;
"Investment risk" is the tens of thousands of investors with a net worth of the life written warning, its contents so unpredictable and must not turn a deaf ear. In the face of risk, no one will be lucky than others. In fact, financial markets are losing money and often widespread, only in 1998 to today, to invest in the stock market and funds on education savings plans have suffered two serious impact on the market, I plan is a case in point.

2 objectively look at their own investment knowledge and experience, not to overestimate their own;
In the end I chose 96 of the more conservative RBC Balance Fund as an investment in the first try. 96 to 98 years at the end of March, the market situation is good, very fast investment growth, 15 months, $ 1355 investment earnings of $ 257.77. I have the ability to become more optimistic, so he chose to change their tactics may have a higher return on the RBC Balanced Growth Fund, which in turn purchased the RBC Equity Fund. From 96 to three years in September 2000 invested more than $ 7355, to obtain subsidies of $ 800, book profit of $ 2332, well, carrying a total of $ 10487.92.
The unexpected is that the financial markets in 2000 began to decline significantly. By the end of 2001, carrying a total of only $ 11969.03, after deducting the additional $ 2,800 investment and subsidies, the actual loss of $ 1318.3, or about 12.5 percent. By the end of 2002, the book reached a total of $ 11,759, the investment took place during the input ($ 2400) and expenditure ($ 2000) even after a loss of $ 610.
As the market are not clear, I will be in 2002 and 2001, the investment no choice but to put the Money Market Fund, knowing that a very low income, but can only make such an unwise move in order to avoid further losses.

Did not suffer at the ago, I also hesitate to raise full-chi, believe they can manage the investment, the result turned out, or the first win after losses. A big city problem, I can only allowed at the mercy of the market, watch the market decline, can not do anything. Eat the loss, I really found their financial knowledge, as is the lack of investment experience, as is the lack of a financial market with only a simple understanding of the investors in the financial tide before it is not like that.
Recalling more than ten years of experience, I have found is a "professional quality" in the trap set their own non-professionals on the neck, "No diamond, porcelain-get live", and the results will be good enough For the strange.