Secondly, if an investor has excess cash which he intends to use at a later date, it may be advisable to invest his excess cash in less volatile instruments to preserve his savings as well as enhance his returns.

• 第二，如投资者有多余的现金并希望在日后使用，可能比较适合 把这些多余的现金投资在波动没有那么厉害的工具。