Question

17．Troubled by the poor performance of their investments，many people are taking steps to stop decrease of their savings and rethink their financial plans．They are not sure what to do to maximize returns in light of stock market fluctuations，new tax laws，low interest rates and skyrocketing real estate values．"People are afraid of making a mistake and losing more money，"says financial counselor Denise Hughes．"The doityourself investor of the 1990s is more comfortable now doing nothing．"But doing nothing isn't better than doing something smart．Here's what financial advisors are recommending to their clients：
Plan for financial aid．Most parents don't save nearly enough for children's education．They assume that investing in a 529 plan is the best place for your savings．While a 529 plan offers taxfree growth and withdrawals for college costs，colleges look at these savings when evaluating their qualification and how much they will hand over．Do save aggressively for college in a taxable account in your name if your household income is below﹩100，000．In this case，your child will likely qualify for some financial aid．Do invest in a 529 plan if your income is higher than﹩100，000 and will likely remain at or above that level when your child enters college．In this case，the 529 plan is great because you probably won't qualify for financial aid anyway．
Expect ups and downs．Annoyed by three straight years of stock market dlines，many people have been shifting to lowerrisk investments．But just astaking too much risk can hurt your portfolio's（投資組合） growth rate，so can hiding out in excessive safe investments．Do consider investing in funds that you'll hold on to for more than a year．Under the new tax law，longterm capital gains are taxed at a maximum of 15%，down from 20%．Do look at stock funds that pay dividends（紅利）．Dividends on stocks used to be taxed at your personal income tax rate．Under the new law，they are now taxed at no more than 15%．Investing in these funds will not only hold down taxes but also sustain your portfolio's value in tough times．
Forget high fees．Over the next ten years，achieving the kind of doubledigit returns we experienced over the past 20years will be much harder．In the 1990s，the average rate of returns for aportfolio allocated 60% to stocks and 40% to bonds was 13.2% after taxes and transaction expenses．Over the coming decade，this rate is expected to be closer to 5.5%．Don't pay unnecessarily high investment costs and fees．For example，if you can save half a percentage point on your fund expense ratio（the fee that funds charge you each year to manage your money），your average investment return could be 6% instead of 5%．
Title：How to Manage Your Money

Introduction to the topic		●Many people become passive investors for （71）fearthat  they make mistakes and suffer a loss of more money ●In face of the trouble，doing something smart makes    （72）sense
（73） Tips/Suggestions/Adviceon managing your money	Plan for financial aid	●（74）Assumptionsare made that a 529 plan is the best choice for        everyone's savings ●If your family earns less than $100，000，save aggressively for college in a taxable account in your name and chances are that your child will have （75）accessto some financial aid ●If your family earns more than $100，000 and will possibly remain at or above that level when your child enters college，a 529 plan （76）suitsyou best because you probably won't have the qualif ication for aid anyway
	Expect ups and downs	●Excessive safe investments as well as （77）riskyones hurt your portfolio's growth rate ●Invest in funds that you will hold on to for more than a year，for under the new tax law longterm capital gains are （78）less Taxed ●Invest in stock funds that pay dividends，which can not only hold down the taxes but also make your portfolio's value （79）sustainablein tough times
	Forget high fees	（80）Avoidingpaying unnecessarily high investment costs and fees，you will increase your average investment return

Answer 1

分析 本文中作者講述了如何管理自己的錢(qián)，介紹了幾種投資方案．作者認(rèn)為過(guò)度安全的投資和高風(fēng)險(xiǎn)的投資都會(huì)降低投資組合的增長(zhǎng)率，所以要選擇合適的投資方式，量力而行．

解答 71．fear 72．sense 73．Tips/Suggestions/Advice 74．Assumptions 75．a(chǎn)ccess 76．suits  77．risky 78．less 79．sustainable 80．Avoiding
71．fear考查細(xì)節(jié)理解．根據(jù)"People are afraid of making a mistake and losing more money"可知，人們害怕犯錯(cuò)誤，損失更多的錢(qián)．故填"fear"
72．sense考查細(xì)節(jié)理解．make sense 有道理．根據(jù)"But doing nothing isn't better than doing something smart"可知，什么也不做比做"聰明"的事情好，更有道理．故填"sense"
73．Tips/Suggestions/Advice考查細(xì)節(jié)理解．根據(jù)后面的內(nèi)容可知，接下來(lái)作者要提供關(guān)于管理錢(qián)的一些建議．故填"Tips/Suggestions/Advice"
74．Assumptions考查細(xì)節(jié)理解．根據(jù)"They assume that investing in a 529 plan is the best place for your savings"可知，假定529計(jì)劃是每個(gè)人儲(chǔ)蓄的最佳選擇．故填"Assumptions"
75．a(chǎn)ccess考查細(xì)節(jié)理解．根據(jù)"Do save aggressively for college in a taxable account in your name if your household income is below﹩100，000．In this case，your child will likely qualify for some financial aid"可知，如果你的家庭收入低于100000美元，積極在你的名字下為學(xué)院保存應(yīng)稅帳戶，那么你的孩子將獲得一些經(jīng)濟(jì)援助．故填"access"
76．suits考查細(xì)節(jié)理解．根據(jù)"Do invest in a 529 plan if your income is higher than﹩100，000 and will likely remain at or above that level when your child enters college．In this case，the 529 plan is great because you probably won't qualify for financial aid anyway．"可知，如果你的家庭收入超過(guò)100000美元，并且當(dāng)孩子進(jìn)入大學(xué)時(shí)仍可能達(dá)到或超過(guò)這一水平，那么529計(jì)劃最適合你，因?yàn)槟憧赡懿粫?huì)通過(guò)援助．故填"suits"
77．risky考查細(xì)節(jié)理解．根據(jù)"Annoyed by three straight years of stock market dlines，many people have been shifting to lowerrisk investments．But just astaking too much risk can hurt your portfolio's（投資組合） growth rate，so can hiding out in excessive safe investments"可知，過(guò)度安全的投資和高風(fēng)險(xiǎn)的投資會(huì)損害你的投資組合的增長(zhǎng)率．故填"risky"
78．less考查細(xì)節(jié)理解．根據(jù)"Do consider investing in funds that you'll hold on to for more than a year．Under the new tax law，longterm capital gains are taxed at a maximum of 15%，down from 20%"可知，新稅法下對(duì)長(zhǎng)期資本利征稅較少．故填"less"
79．sustainable考查細(xì)節(jié)理解．根據(jù)"Investing in these funds will not only hold down taxes but also sustain your portfolio's value in tough times"可知，投資這些基金不僅能降低稅收，還能在困難時(shí)期維持你的投資組合的價(jià)值．故填"sustainable"
80．Avoiding考查細(xì)節(jié)理解．根據(jù)"Don't pay unnecessarily high investment costs and fees"可知，避免支付不必要的高投資成本和費(fèi)用．故填"Avoiding"

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