Mutual funds have historically offered safety and diversification. And they spare you the responsibility of picking individual stocks.

-- Ron Chernow 荣·切尔诺

共同基金历来提供安全和多样化。这样你就不用负责挑选个股了。

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Individual Safety

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That strategy of buy and hold, which is the sound and sensible one for the individual, can have very dangerous and perverse effects for the market as a whole.

这种买入并持有的策略对个人来说是合理和明智的，但对整个市场可能产生非常危险和反常的影响。

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Unless you hit your television with a sledgehammer, you're not going to be able to be an individual.

除非你用大锤砸电视，否则你将无法成为一个独立的人。

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My safety and my family's safety are not guaranteed even now.

即使是现在，我和我家人的安全也得不到保证。

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