14.1 拖放——将投资类型与特征匹配

Stocks vs. Bonds – Understand that stocks = ownership in a company while bonds = lending money to a company or government.
Income vs. Growth 了解如何 dividends, coupon interest, and capital gains provide different ways to earn from investments.
Risk & Reward – Recognize that higher potential returns mean higher risk, and see where mutual funds and ETFs fit on the risk scale.

Goal-Based Choices – Match investments to time horizon, risk tolerance, and personal goals, from short-term safety to long-term growth.

Stocks = Ownership, High Upside – They can grow fast but swing wildly; patience and research are key.
Bonds = Lending, Steady Income – Lower risk and fixed interest make them useful for stability and predictable cash flow.
Diversification Protects – Mutual funds and ETFs spread money over many assets, lowering the pain if one investment drops.
Plan Early, Think Long-Term – Choosing the right mix now, based on your risk tolerance and goals, helps build wealth over time.