求翻译一段资料 中译英

Question

3确保了解自己的投资选择，明了风险所在
“投资有风险”，险在何处？不管作何投资，你的风险何在，一定要心中有数。
首先，这个“险”会来自你的投资目标。目标越高，风险越大，规避风险的办法是根据自己的能力，确定恰当的目标。
其次，对产品了解越少，风险则越大。投资基金，就要了解基金的投资目标，投资组合、历史纪录，费用标准和风险等基本因素，不了解就难免选错，选错了就难免吃亏。其实，绝大多数人所讲的“银行计划”并不是由银行负责的教育储蓄，而是投资公司所提供的互惠基金投资。此类投资公司规模各异，产品千差万别，投资效果因人而异，即便银行的各种GIC也大不相同，挑选“银行计划”是复杂的，不能简单从事。
第三，错解市场走向，常常带来大的损失。市场上总是震荡变化，上升中有下降，下降中有上升，持续上升常常暗藏着大幅下降，市场大环境的变化，往往是投资失败的主要原因。避免误读信息，误判时机，是投资人永远做不足的功课。

4. 熟悉有关国家政策，避免额外损失
我的孩子上学时，“银行计划”处于低谷，适时兑现投资会丢钱，只好将拿钱时间推迟, 直到不得不拿时才拿。(不能推到上完学再拿，否则会失去政府补贴)。相反，USC计划按时还本付息，历史上已经积累的收益一分没少，并没有受到股市萧条的冲击。需要说明的是，“推迟拿钱”帮助我保住了一些收益，但并不是人人可以采用。该方法会受到政策约束，假如推迟期间市场继续下降，钱会越拿越少；假如投入大一些（$2000 x 18年），产生的收益多一些，“推迟拿钱”就可能变成集中拿钱，从而引起税务负担，造成收益损失。鉴于政策的规定，教育储蓄是一种兑现时机刚性化的投资，上学期间均匀获利才能真正受益最大化。
不同于一般投资，国家对RESP有许多特别的规定和政策。这些政策适用于任何公司，误解或不了解这些政策，都会造成自己的损失。比如：许多人以为“银行计划”可以随意撤出本金，其实取消计划不但可能有费用，还会丢失累积的补贴和未来的补贴额度。了解政策将会有助于你的投资决策，避免政策损失。

5. 充足的时间和精力是投资成功的必要条件。
十几年的投资时间可以总结的东西太多了，不能一一列举。最后应该说的是时间和精力的因素。伴随着孩子的成长，我的事业也在发展，工作越来越重，时间越来越少，我渐渐很难有时间去了解市场，更难有效地跟踪投资，尽管投资后期存在一些机会，我也错过了。

评价计划是困难的，评价复杂的“银行计划”就更加困难，任何定论均有以偏概全之嫌。本文只就自己的案例发表评论，不能概括其他人的投资管理效果。点滴体会，均是一个过来人的肺腑之言，并不期望博得一致的赞同，但确实希望能够给后来者一定的启示。
由于工作繁忙，难以接待咨询，敬请谅解。若有人希望看到原始文件来证明我的故事，请与USC计划的代表联系。
机器翻译就请不要拿出来了，都耽误时间，谢谢。

Answer 1

比较急,如果能用就先用,希望能对你有帮助====================
3. Making sure of understanding your investment choice, and in where the risk resides
Firstly, the risks come from your objective of investments. The more profitable your investment attains, the higher the risk is. The way to avoid risks is that you confirm your targets according to your own capacity.
Secondly, the less you know your goals, the more risks you would bear. To invest in funds, you have to know well your investment targets, portfolio, history records, expense standard and risk factors, etc. otherwise, you will be inclined to get in risks. In fact, the “bank project”, most people so called it, is not the education deposit that the bank is in charge of, but a mutual fund investment that is provided by the investment companies. The investment companies are in different sizes, and their products vary a lot from each other. And the effects of investment are highly different from each individual investors, as well as the bank’s GIC are various greatly. It is a complex job to select a “bank project”, not doing it simply.
Thirdly, misunderstanding the trend of the market often leads to large losses. The market always waves, during the elevation it would decline, and rose it would fall. It bears usually a large fall in a continuous rise. The great changes of market are often the main causes for investing failure. Avoiding misread information and misjudge chances are always the lessons that investors should never put down.
4. Knowing well about policies to avoid extra losses
When my children in school, the “bank project” was in its low points, encashment timely would make me lose money, and I had to delay doing it, until its due time I took it.(not draw it back until school education finished ,or you will lose the government’s subsidies). On the contrary, USC repays periodically you the principal and interests, so as that my accumulated profit in the history wouldn't reduce a pence. It survived me in the recession of the stock market. What needs explanation is delaying withdrawal helped me reserve my profits, and surely, it is not adapted for everyone since it is confined by policies. Supposed the market declined continuously during your delay of withdrawal, your money would decrease on each withdrawing. Providing you invest more ($2000X18years), you would get more interests, and postponement of drawing money would turn out to be an one-time withdrawal so that it would cause you the load of taxation and the loss of profits. In view of the regulations of the policy, the education deposit is a stiff investment on the time of fulfillment. It will be most profitable to receive well-distributed returns during the school time.
Different from the ordinary investment, the government has many special regulations and policies to RESP. The policies are applied for each company so that misunderstanding and uncomprehending would bring you losses. For example, many people believe they can draw their principals back at any time during the “bank project” goes, actually, it will call extra charges on you if you do so, and even losing the accumulated subsidies and the future allowances. In that way, understanding the policies is helpful in your investing decisions in order to avoid the losses because of policies.
5. The enough time and energy are the necessary conditions for successful investments
There are so many things to summarize, but I am not able to list all of them. Eventually, what I should tell are the factors about time and energy. On the growing-up of my children, my career had been developing in the same time. My work was getting busy and busy, and my time was becoming little and little. Gradually, it was difficult for me to look over the market, and moreover, I couldn’t trace my investments effectively. Despite the fact that there exists some opportunities in the late period of my investments, I missed them.
To evaluate a plan is difficult, and even more difficult for evaluation of the bank project, so that all your definitive opinion would be arbitrary.
The paper remarks merely on my own cases, and it do not include others practical effects of investing management. The comments are some of my experiences out of my heart, and not expecting a general consensus, but hoping to give some revelations to the followers.
Please forgive me; I am too busy to receive your consultation. If someone wants to prove my stories, please get contact with the representatives of the USC project.

Answer 2

希望对你有帮助，远方的 friend
To ensure that their own investment choices, to understand where the risk
"Investment risk", where the risk? No matter what investment, the risk of what you must be a pretty good idea.
First of all, the "risk" from your investment objectives. The higher the goal, the greater the risk, risk-averse approach is based on their ability to determine appropriate goals.
Second, the less understanding of the product, the greater the risk. Investment funds, it is necessary to understand the fund's investment objectives, investment portfolio, historical records, the cost of the basic standards and risk factors do not inevitably have chosen the wrong, wrong inevitably lose out. In fact, the vast majority of people say the "bank" is not responsible for the education savings banks, investment companies, but provided by the mutual fund investment. Such investment companies of different scale, different products, investment results vary from person to person, even if the Bank of GIC is also a variety of different selection of the "bank" is complex and can not engage in simple.
Third, the wrong solution to the market, often bring big losses. Shock on the market is always changing, there is an increase in the drop in a rising, rising a sharp drop in often hidden, the market environment changes, often the main reason for the failure of the investment. Avoid misunderstanding, misjudgment of the time, investors are never enough to do the homework.

4. Familiar with the national policy to prevent additional loss
My children go to school, "the bank" at a low ebb, the investment will be honored in a timely manner Diuqian, had to postpone the time to spend money on, until only have to take hold. (END can not be pushed on to use the school, otherwise they will lose government subsidies). On the other hand, USC plans to debt service on time, history has accumulated a revenue no less, has not been the impact of the stock market slump. It should be noted that "postponement of to spend money on" help me to keep some of the proceeds, but not everyone can use. This method will be bound by the policy, if the market continued to decline during the postponement, the more money will get less; if some of the major investment ($ 2000 x 18), generate more revenue, "to defer to spend money on," it will turn out to spend money on focus , Which led to the tax burden, resulting in loss of income. In view of the policy, education savings is a rigid timing of the cash investment, during the school uniform can really benefit from profit maximization.
Unlike investment, the state of the RESP many special provisions and policies. These policies apply to any company or misunderstandings do not understand these policies will cause the loss of their own. For example: Many people think that the "bank" can withdraw the principal, in fact, canceled plans may be not only cost but also the cumulative loss of subsidies and the amount of subsidies in the future. Will help you understand the policies of the investment decision-making to avoid the loss of policy.

5. Sufficient time and energy is a necessary condition for successful investment.
More than a decade of investment in time can be summed up things too much, not to name a few. Finally, it should be said that the time and energy. Along with the growth of the child, I was also the cause of development, more and more emphasis on work, less and less time, I gradually came to have a very difficult time to understand the market, the more difficult to effectively track the investment, even though the latter part of a number of investment opportunities, I Also missed.

Evaluation of the program is difficult to assess the complexity of the "bank" is even more difficult, any sweeping conclusions are suspected. This article only on its own comment on the case can not be summed up other people's investment management results. Experience, is a remark from people, do not expect to win unanimous approval, but it does hope to be able later to a certain degree of enlightenment.
Due to busy work, it is difficult to receive advice, please understanding. If anyone would like to see the original documents to prove my story, please contact the representative of the USC program

Answer 3

To ensure that their own investment choices, to understand where the risk
"Investment risk", where the risk? No matter what investment, the risk of what you must be a pretty good idea.
First of all, the "risk" from your investment objectives. The higher the goal, the greater the risk, risk-averse approach is based on their ability to determine appropriate goals.
Second, the less understanding of the product, the greater the risk. Investment funds, it is necessary to understand the fund's investment objectives, investment portfolio, historical records, the cost of the basic standards and risk factors do not inevitably have chosen the wrong, wrong inevitably lose out. In fact, the vast majority of people say the "bank" is not responsible for the education savings banks, investment companies, but provided by the mutual fund investment. Such investment companies of different scale, different products, investment results vary from person to person, even if the Bank of GIC is also a variety of different selection of the "bank" is complex and can not engage in simple.
Third, the wrong solution to the market, often bring big losses. Shock on the market is always changing, there is an increase in the drop in a rising, rising a sharp drop in often hidden, the market environment changes, often the main reason for the failure of the investment. Avoid misunderstanding, misjudgment of the time, investors are never enough to do the homework.

4. Familiar with the national policy to prevent additional loss
My children go to school, "the bank" at a low ebb, the investment will be honored in a timely manner Diuqian, had to postpone the time to spend money on, until only have to take hold. (END can not be pushed on to use the school, otherwise they will lose government subsidies). On the other hand, USC plans to debt service on time, history has accumulated a revenue no less, has not been the impact of the stock market slump. It should be noted that "postponement of to spend money on" help me to keep some of the proceeds, but not everyone can use. This method will be bound by the policy, if the market continued to decline during the postponement, the more money will get less; if some of the major investment ($ 2000 x 18), generate more revenue, "to defer to spend money on," it will turn out to spend money on focus , Which led to the tax burden, resulting in loss of income. In view of the policy, education savings is a rigid timing of the cash investment, during the school uniform can really benefit from profit maximization.
Unlike investment, the state of the RESP many special provisions and policies. These policies apply to any company or misunderstandings do not understand these policies will cause the loss of their own. For example: Many people think that the "bank" can withdraw the principal, in fact, canceled plans may be not only cost but also the cumulative loss of subsidies and the amount of subsidies in the future. Will help you understand the policies of the investment decision-making to avoid the loss of policy.

5. Sufficient time and energy is a necessary condition for successful investment.
More than a decade of investment in time can be summed up things too much, not to name a few. Finally, it should be said that the time and energy. Along with the growth of the child, I was also the cause of development, more and more emphasis on work, less and less time, I gradually came to have a very difficult time to understand the market, the more difficult to effectively track the investment, even though the latter part of a number of investment opportunities, I Also missed.

Evaluation of the program is difficult to assess the complexity of the "bank" is even more difficult, any sweeping conclusions are suspected. This article only on its own comment on the case can not be summed up other people's investment management results. Experience, is a remark from people, do not expect to win unanimous approval, but it does hope to be able later to a certain degree of enlightenment.
Due to busy work, it is difficult to receive advice, please understanding. If anyone would like to see the original documents to prove my story, please contact the representative of the USC program.

Answer 4

第三，错解市场走向，常常带来大的损失。市场上总是震荡变化，上升中有下降，下降中有上升，持续上升常常暗藏着大幅下降，市场大环境的变化，往往是投资失败的主要原因。避免误读信息，误判时机，是投资人永远做不足的功课。

Third, the misunderstanding of the market tendency always leads to huge losses. The market is always fluctuating unstably. There are rises accompanied by falls, falls followed by rises, and continuous rises indicating great falls. The change of market situations always become the main reason for investment failures. It is nver too much for investors to learn how to avoid misunderstanding of information and misjudgement of time for oppotunity

Answer 5

发表下看法

要是短点 可能会遇上真正人翻译的，这么长，兄弟，迩就别想得到人译的了，因为没那功夫，别说这虚无的得分，就是rmb也不会有多少人翻译的，但是要机器翻译迩为什么不自己去翻译呢？还能省下分，但是迩自己要是懂英语，迩自己看看机器翻译的，能用吗？只要是翻译不了的词就直接汉语拼音，上次我在一个机器翻译，最简单的你好，竟然翻译成了you good，迩觉得能用么？根本就不管任何语法的，都是单词翻译，然后连在一起，所以建议你还是在现实中花钱翻译把，谢谢