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3. 持有自己所工作企業的股票
This is one of the silliest and riskiest moves any investor can make. If the company hits trouble, you get whacked twice. You can lose your job and your savings─all in one fell swoop. Ask anyone who worked for Enron…or Lehman Brothers.
這大概是投資者能夠做出的最愚蠢、最冒險的舉動之一了。如果這家公司遇上麻煩，你將遭受雙重打擊。你可能會在丟了飯碗的同時，丟掉自己的積蓄──一桿子打翻一籃子的蛋。不信你去問問那些曾為安然(Enron)、或是雷曼兄弟(Lehman Brothers)工作過的人。
The law, amazingly, actually encourages this crazy move. While employers' 401(k) plans are subject to punitive regulations, lest they allow you to take on too much 'risk,' employers are allowed to offer their own stock among the investment options. Many do.
令人驚訝的是，美國的法律實際上在鼓勵這種瘋狂的舉動。雖然企業的401(k)計劃受到監管部門監管，若企業讓員工承擔過高“風險”，則會受到懲罰，但是監管規定允許企業向員工提供企業自己的股票作為投資選擇之一。而實際上許多企業也在這么做。
The Employee Benefit Research Institute says that the percentage of 401(k) assets held in employers' stock has been halved since 2000, but the numbers are still alarming. Furthermore, it's the youngest workers─those best able to take a gamble─who are shunning their employers' company stock.
員工福利研究所(Employee Benefit Research Institute)表示，自2000年以來，401(k)資產中雇主股票的占比已經減少了一半，不過目前的數字依然很驚人。而且，如今不愿意持有自己公司股票的員工是那些最年輕的人，而這些人其實是承擔風險能力最高的人。
At companies where the 401(k) plan offers the option, workers aged 40 or over typically hold about 20% of their entire 401(k) account in the company's stock, according to EBRI data. Crazy.
根據員工福利研究所的數據，在那些于401(k)計劃中提供了持有本公司股票這一投資選擇的公司中，年齡在40歲或者以上的員工通常會將自己的401(k)賬戶中大約20%的資產用于投資本公司股票。這簡直是瘋了。
