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3. 持有自己所工作企业的股票
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.
这大概是投资者能够做出的最愚蠢、最冒险的举动之一了。如果这家公司遇上麻烦，你将遭受双重打击。你可能会在丢了饭碗的同时，丢掉自己的积蓄──一杆子打翻一篮子的蛋。不信你去问问那些曾为安然(Enron)、或是雷曼兄弟(Lehman Brothers)工作过的人。
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.
令人惊讶的是，美国的法律实际上在鼓励这种疯狂的举动。虽然企业的401(k)计划受到监管部门监管，若企业让员工承担过高“风险”，则会受到惩罚，但是监管规定允许企业向员工提供企业自己的股票作为投资选择之一。而实际上许多企业也在这么做。
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.
员工福利研究所(Employee Benefit Research Institute)表示，自2000年以来，401(k)资产中雇主股票的占比已经减少了一半，不过目前的数字依然很惊人。而且，如今不愿意持有自己公司股票的员工是那些最年轻的人，而这些人其实是承担风险能力最高的人。
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.
根据员工福利研究所的数据，在那些于401(k)计划中提供了持有本公司股票这一投资选择的公司中，年龄在40岁或者以上的员工通常会将自己的401(k)账户中大约20%的资产用于投资本公司股票。这简直是疯了。
