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每逢市场深度调整时，就把此前积累的资金投入目标基金，然后再积累，再投入，这样可以有效摊低购买成本。
Every time the market is adjusted in depth, the funds previously accumulated will be invested in the target fund, and then accumulated and invested again, so as to effectively amortize the purchase cost.

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结婚、买房、赡养老人都需要花钱，所以买房不可一步到位，先小再大，逐步实现。
Getting married, buying a house and supporting the elderly all need money, so buying a house can't be done in one step, first small, then large, and gradually realized.

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理财是一个长期的财富积累，它不仅包括财富的升值，还包括风险的规避。
Financial management is a long-term accumulation of wealth, which includes not only the appreciation of wealth, but also the avoidance of risk.

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钱就像你的员工，你是老板，只有想办法让你的员工不停地忙碌，才会给老板带来更多收益。
Money is like your employees. You are the boss. Only by finding ways to keep your employees busy can you bring more benefits to the boss.

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货币基金流动性好、资本安全性高，而且无需认购费用，没有手续费，也不用扣税，具有稳定收益和低风险的双重特征。
Monetary Fund is characterized by good liquidity, high capital security, no subscription fee, no handling fee and no tax deduction. It has the dual characteristics of stable income and low risk.

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个人理财可依据自身风险承担能力，适当主动承受风险，以取得较高收益。追求更高的投资收益，因而也必须承担更大的投资风险。
According to their own risk-taking ability, personal financial management can take the risk actively to obtain higher income. The pursuit of higher investment returns, therefore, must also bear greater investment risk.

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很多人往往控制不了自己的开支，不能存下资金，建议到银行办理每月定额的转存，强制性的存款。
Many people are often unable to control their own expenses and save money. It is suggested that they go to the bank for monthly fixed deposit transfer and compulsory deposit.

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理财专家认为，年轻的白领一族尚处于人生的起步阶段，必须在资金上尽量多做积累。
Financial experts believe that young white-collar people are still in the initial stage of life, so they must accumulate as much money as possible.

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中等收入人群的理财目标，是在风险适中的情况下，最大限度地实现家财增值。
The goal of middle-income people's financial management is to maximize the value-added of household wealth under the condition of moderate risk.

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作为个人投资者，在进行投资前必然会对不同的投资方式进行比较，选择最佳方式进行投资。
As an individual investor, it is necessary to compare different ways of investment and choose the best way to invest.

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