可可電臺，每期節目一話題，讓英語磨練耳朵的同時學到更多有益的小知識，豐富知識的同時受益于生活。

Questions you need to ask yourself when setting investment goals for financial independence.

設定財務獨立性的投資目標時，你需要問自己的問題

What is your risk tolerance?

你的風險承受能力如何?

No matter how successful you are or how much money you amass, some people are wired in a way that fluctuations in their portfolio’s market value leads to enormous levels of emotional misery.

無論多么成功或積攢了多少錢，有些人總會因為他們投資組合市場價值的波動而導致巨大的情緒痛苦。

They’d rather end up with less money in the future, and enjoy a lower rate of compounding, but have a smoother ride.

他們寧愿將來少賺一點錢，享受更低的復利率，但是生活更平穩。

Learning to be honest with yourself about where you fall on that spectrum is a big part of fiscal maturity. For example, though it can put you at a significant disadvantage under most circumstances, you don’t have to own stocks to build wealth.

學會誠實地面對自己的處境是財務成熟的重要組成部分。例如，雖然在大多數情況下，低風險的理財方式可能使你處于明顯的劣勢，但你不必因為通過持有股票來積累財富而膽戰心驚。

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