身边的经济学·社会常识英语30篇（1）

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分散投资：在不同资产类别间分散风险

Putting all your money in one stock or sector increases vulnerability to sudden losses.
Diversification means holding assets that respond differently to the same economic event.
For example, bonds often rise when stocks fall during market stress.
International investments add another layer by reducing exposure to one country’s economy.
Real estate, commodities, and cash equivalents each behave uniquely over time.
Rebalancing your portfolio annually helps maintain your target risk level automatically.
Too much diversification can lower returns without meaningfully reducing risk further.
The goal is not to avoid loss but to manage volatility intelligently.
Even professional fund managers use diversification as a core risk-control strategy.
It works best when asset correlations stay low across business cycles.