The previous article mentioned that national bonds can be included in an asset allocation plan to provide stability. Compared to bonds, time deposits can be considered an even more stable investment option. This article continues by explaining the purpose and role of having time deposits in one’s financial planning.
前篇提到了資產配置可加入國家級債券做穩定資產的規劃。而相對債券，定存可說是更為穩定的投資項目，本篇繼續闡述存在目的。
When we achieve healthy cash flow and accumulate assets through our core business growth, investing in the stock market can present an opportunity to grow those assets even further. With the benefit of time over the long run, the rate of asset growth can also compound and expand. However, this growth is rarely a simple, straight upward line — instead, it’s often a wave-like pattern (see Figure 1), full of ups and downs that constantly affect the emotions of investors.
我們因本業成長取得了良好現金流並累積資產時，投資股票市場是有機會將資產做進一步成長的。在取得長久的人生時間灌注下，資產的放大比率也會跟著增加。然而，這很可能不會是一條單純的向上曲線，而是充滿了起伏 (圖一)，不斷影響投資人心情的波浪線條。
