要早日开始对你的退休或别的财务的目的进行计划,它永不会嫌过早的。为它进行计划和投资,这是较好的。在财富的积累上,时间是最强有力的工具之一。为积累财富在你的投资上你需要有回报。但是,财富积累是内在地带着风险的。本文的目的是将投资上的风险与回报分成某些基本的方面并探讨这些风险如何予以衡量并使其最小化。风险与回报理论是复杂的并都属于证券组合理论的策略。本文以最直接的方式和做法的方式来论述风险回报理论的最简明的部分。理论的较复杂的因子和数学的因子最好留给专业 It will never be too early to begin planning your retirement or other financial purpose. It is better to plan and invest for it. In the accumulation of wealth, time is one of the most powerful tools. To accumulate wealth you need to pay for your investment. However, the accumulation of wealth is inherently risky. The purpose of this article is to divide the risks and rewards of investing into some fundamental aspects and to explore how these risks can be measured and minimized. The theory of risk and return is complex and all belong to the strategy of portfolio theory. In this paper, the most straightforward part of risk-return theory is discussed in the most direct way and in the most practical way. The more complex theoretical and mathematical factors are best left to the professional