2. 考研
  3. [A] Stick to your investment plan [B] Maintain liquidity [C] Focus on the annual rate return [D] Accept normal m

[A] Stick to your investment plan [B] Maintain liquidity [C] Focus on the annual rate return [D] Accept normal m

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问题     [A]  Stick to your investment plan
    [B]  Maintain liquidity
    [C]  Focus on the annual rate return
    [D]  Accept normal market instability
    [E]  Build a risk management mechanism
    [F]  Invest for the long term
    [G]  Diversify
    To help navigate the investment landscape and financial markets, we share 5 simple investment management principles with our clients. While past performance is, of course, no guarantee of future results, the following principles have historically correlated with a greater chance of investment success.
    【B16】______________________________________________
    Build a well-balanced, low-cost, globally varied portfolio based on your risk tolerance, time horizon and investment objectives. Diversification means allocating capital in a manner that reduces exposure to any one asset class or particular risk. By investing across a variety of asset classes with, ideally, a low correlation of returns, you may have a portion of your portfolio that performs well in a good economy while another portion of your portfolio may perform well in a down economy. In doing so, you may offset the potential impact of a poor-performing asset class on your overall portfolio. This practice will not ensure gains or guarantee against losses, but can better help to manage risk.
    【B17】______________________________________________
    Maintain a written investment policy statement and consistent savings discipline to invest regularly during good markets and bad. Easy to say, more difficult to execute; investors love to chase returns of higher risk investments during good markets and dash to conservative investments during down markets. Unfortunately, this often means buying high and selling low. Having a written investment discipline helps to hold on and stick with your plan to better achieve your goals.
    【B18】___________________________________________________
    Time and compound returns are a powerful combination for potentially growing your wealth. Albert Einstein, who studied the mysteries of time and space, called compound interest the most powerful force in the universe. For example, a portfolio that earns a 6 percent annual rate of return will double in value roughly every 12 years and quadruple in value roughly every 24 years.
    【B19】______________________________________________
    Keeping sufficient reserves that can be quickly turned into cash if necessary may help you stay calm on the emotional roller coaster of financial markets. By setting aside emergency savings that will cover your short-term expenses, you can keep a cool head and better manage your stress during periods of market fluctuations. Knowing that you have your short-term needs covered may help some investors sleep better at night.
    【B20】______________________________________________
    Accept that market declines and fluctuations are a normal and expected part of investing and, historically, the trade off for potential long-term growth. Short-term market fluctuation is the friend of the long-term investor as it creates lower asset prices for purchase. It takes courage to be optimistic about the future when pessimism abounds, but when the future is again clear, today’s bargains will have vanished.
【B19】
选项
答案B
解析 B中的liquidity“流动性”正是对本段中can be quickly turned into cash的概括总结。可快速折现体现的就是资金的流动性。而这就是让投资者保持心态稳定、头脑清醒的一个重要前提。综观各选项，B“保证流动性”最贴近本段主题，故选B。
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