人生就像市场，起起伏伏，变幻莫测却仍然要努力活着。
既然市场变幻莫测，不可预测，可又要尽力盈利，有什么简单直接粗暴直接有效的方法呢？
定投: 定期定额投入资金。
因为两个简单的事实:
1.熊市就是比牛市长。
2.长期来看，投资就是能挣很多很多钱的。
触类旁通，生活、学习、关系，一切都可定投。
来看看今天的观点吧！
原文:
Let's take a look at an even more striking example. Suppose you started regularly investing in Bitcoin in December of 2017, when Bitcoin was at it's all-time high of $19,800. Shortly afterwards, the price crashed, and it still hasn't returned to its all-time high. The chart below assumes you started regularly investing in Bitcoin on December 11th, 2017, and kept it up for 87 weeks.
this chart is from Yahoo Finance (Bitcoin USD)Even though you entered the market at the worst time, your investment has still been profitable in USD terms, with the red line (your assets in USD terms) passing the blue line (your total investment in USD terms) on May 6th, 2019. If you invested $100 each week, by the 87th week you would have invested $8,700, but your Bitcoin would have been worth $16,417, for a gain of 88.71%. This is despite the fact that Bitcoin remained 62.85% off of it's all-time high, which was when you started investing.
This can seem really flabbergasting at first:
With regular investing, even if you start at what seems like the worst time, such as just before a market crash, your overall investment will become profitable before the market recovers.Some fans of regular investing always emphasize a partially correct fact, which is that regular investing will effectively reduce your average cost. But the other side of the coin is that it also probably raises your average cost. It's obvious, isn't it? So these fans are using an incorrect reason to choose the correct strategy. But how long can an operating system with an error at the base level continue to run for?
上文标粗生词:
1.striking adj. 显著的；引人注目的；
2.assumes v. 呈现，显露；
3.profitable adj. 有利润的，有益的；
4.despite the fact that 尽管，任凭；
5.flabbergasting v. 使吃惊；
6.remained v. 保持，仍然是；
7.overall adj. 全部的；
8.emphasize v. 强调；
9.effectively adv. 实际上；
10.reduce v. 减少，缩小；
11.average adj. 平均的；
12.probably adv. 很可能；大概；
13.obvious adj. 明显的；
参考翻译与结构划分:
第一句:Let's take a look at an even more striking example.
翻译:让我们来看一个更显著的例子。
第二句:Suppose you （主）started regularly investing （谓）in Bitcoin（状） in December of 2017（状）, when Bitcoin was at it's all-time high of $19,800（插入语）.
翻译:假定你在2007年10月开始定投BTC，那个时候的价格是史上最高的19800美元。
第三句:Shortly afterwards（状）, the price（主） crashed（谓）, and it still（状） hasn't returned（谓）to its all-time high.
翻译:没过多久，价格暴跌，直到现在还没有恢复。
第四句:The chart（主）below（状）assumes （谓）you started regularly investing in Bitcoin on December 11th, 2017（状）, and kept it up for 87 weeks（宾从）.
翻译:下面这张图表展示了你在2017年10月11号开始定投BTC，并持有87周后的情况。
第五句:Even though you entered the market at the worst time（让步状语）, your investment（主） has still been （系）profitable（表） in USD terms（方式状语）, with the red line (your assets in USD terms) passing the blue line (your total investment in USD terms) on May 6th, 2019（插入语）.
翻译:尽管你在最糟糕的时间入场，你的投资仍然是有利润的:在2019年5月6号，红线越过蓝线。
第六句:If you invested $100 each week（条件状语）, by the 87th week（状） you（主） would have invested （谓）$8,700（宾）, but your Bitcoin （主2）would have been（谓） worth $16,417（宾2）, for a gain of 88.71%（插入语）.
翻译:若是你每周定投100美元，在第87周你将投资8700美元，然而你的BTC却价值16417美元，即涨幅88.71%。
第七句:This（主）is（谓）despite the fact that Bitcoin remained 62.85% off of it's all–time high, which was when you started investing（非限定性定语从句）.
限定性定语从句和非限定性定语从句的区别在于其与前半句关系的紧密程度，此外可以减少歧义。
比如: I have a good father, who loves me.
若是把去掉，意思就发了巨大变化:
I have a good father, who loves me. 我有一个爱我的好父亲。
这就产生歧义——难道还有不爱你的父亲？几个父亲？
翻译:尽管BTC保持历史最高价的62.85％——在你那时就开始投资的话。
第八句:This（主） can seem really flabbergasting（谓） at first（状）:
With regular investing（状）, even if you start at what seems like the worst time（状）, such as just before a market crash, your overall investment （主）will become（系） profitable （表）before the market recovers（状）.
翻译:
这的确仍然目瞪口呆:
定投，即便你在看起来最糟糕的时候入场，比如市场暴跌前，可你所有的投资在市场恢复之前仍然能盈利。
第九句:Some fans（主）of regular investing （定）always emphasize（谓） a partially correct fact（宾）, which is that regular investing will effectively reduce your average cost（非限定性定语从句）.
翻译:一些定投策略者总是强调一个部分正确的事实: 定投可以降低平均成本。
第十句: But the other side （主）of the coin（定） is（谓） that it also probably raises your average cost（宾从）.
翻译:但硬币的另一面很可能是抬升了你的平均成本。
第十一句:It's obvious, isn't it?
翻译:这很明显，不是吗？
第十二句:So these fans（主） are using（谓） an incorrect reason（宾）to choose the correct strategy（目的状语）.
翻译:因此这些定投策略者用错误的原因选择了正确的策略。
第十三句:But how long can an operating system with an error at the base level continue to run for?
翻译:但一个在底层出了错误的操作系统又能持续运行多久呢？
往期文章:
1.《On Regular Investing》翻译与结构划分（010篇）；
2.《语法不用学 观念全错》；
