许多投资者都犯把大部分资金集中于一小项投资的错误，如股票或房地产。一旦房地产市场或股市下滑，他们所受的冲击将不小。谨慎的做法是拥有一笔相当于六个月薪金的储蓄，股市和房地产市场突然下滑或是急需现金时，可作为后盾。

　　参考译文：

　　The mistake most investors make is to put most of their money in one form of investment,say stocks or properties.As a result,when the property and stock markets decline,these investors are in an extremely vulnerable position.It is always prudent to keep aside at least enough cash to provide a cushion of about 6 month's monthly income as a safeguard against sharp declines in the stock and property markets or in the event that you need cash urgently.