为了追求乐趣而投资.docVIP

Investing For The Fun Of It 为了追求乐趣而投资 Investors flock to index funds because they are simple, inexpensive and often likely to generate higher returns than taking a chance on hot stocks, highflying money managers or a brother-in-laws tips. 指数基金受到大批投资者追捧，因为它们简单易行、费用低廉，而且与投资热门股票、仰仗雄心勃勃的基金经理或是听从连襟的建议相比，它们通常能带来更多回报。 The hitch: Passive is dull, as even its fans admit. 但其中也有个小问题：被动型投资很无聊，这一点就连追捧者们也承认。 That is one reason some investors put a little money aside to play the stock market. 这就是有些投资者会拿点儿钱到股市赌一把的一大原因。 John Miller, a partner in a Fayetteville, Ga., law firm, set up an account several years ago with about 5% of his investments and started buying individual stocks. Most of his investments are in index funds. 佐治亚州费耶特维尔(Fayetteville)一家律师事务所的合伙人约翰·米勒(John Miller)几年前拿出约5%的投资资金开立了一个账户，开始购买个股。他的资金大多用于投资指数基金。 He placed a wager on Bank of America stock when prices were near financial-crisis lows, and won big. He also purchased shares in a solar-energy firm that he says fell about 85% before he sold. 他在美国银行(Bank of America)股价接近金融危机低点时对该股下注，赚了个盆满钵满。他也买过一家太阳能公司的股票，他说，在他卖出股票之前，该股下跌了85%左右。 Through it all, he enjoyed himself -- without worrying that a disastrous bet would ruin his financial future. 不过，尽管经历了这些起伏，他还是乐在其中──他不担心损失惨重的赌注会葬送他的财务前程。 Some people have fancy cars that they spend money on, says Mr. Miller, who is in his mid-30s. My wife has a budget for fun, I have a budget for fun. 35岁左右的米勒说：“有些人会把钱花在豪车上。我妻子有‘逐乐’预算，我也有‘逐乐’预算。” Investing is serious business. Many Americans are in danger of falling short of accumulating enough money to retire in comfort and can ill afford to take unnecessary risks. Even people with more of a cushion dont enjoy throwing away money. 投资是件严肃的事情。许多美国人面临无法攒够钱、过上舒适退休生活的风险，也无力承担不必要的风险。即便是拥有较多财务缓冲的人也不喜欢把钱白白扔掉。 But play money accounts are popular, particularly among people who believe they have amassed enough wealth to meet their needs or are on track to reach their financial goals. These investors get the kind of kick from playing the market that othe