身边的经济学·社会常识英语30篇（4）
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Risk and Return in Financial Choices
金融选择中的风险与回报
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Savings accounts offer safety but low returns over time.
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Stocks can grow faster but carry higher uncertainty.
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Investors demand extra return for taking on more risk.
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Bonds from stable countries usually pay less than risky ones.
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Diversifying across assets lowers overall portfolio risk.
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Past performance never guarantees future results or safety.
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Understanding risk helps people avoid costly surprises later.
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Even small savers make risk-return trade-offs every day.