分散投資組合
What’s more, investors are encouraged to adjust their portfolios if necessary and adhere to their long-term investment goals.
此外，庫爾卡尼鼓勵投資者如果改變投資組合有其必要性，應堅守長期投資目標。
portfolio(n.)投資組合adhere to 遵守、堅持、固守=stick to
Rather than selling off their shares when the economy bounces back, they should stay in a safe spot.
當經濟反彈時，應該打安全牌，而不是拋售股票。
rather than而不是sell off 拋售bounce back復原、復甦=recover
That means to have a balanced portfolio of growth and stable stocks.
這代表應持有平衡的增長股以及穩定股組合。
balanced(adj.)平衡的
Also, they should diversify their portfolio and make sure that they invest in not just the stock market, but a variety of asset groups.
此外，投資人應該分散投資組合，不只投資股票市場，資產類別應多元化。
diversify(v.)使…多樣化diversity(n.)多樣性、多元invest in…投資asset(n.)資產liability(n.)負債
Last but not least, Kulkarni cautions against putting any money in long-term investments like fixed deposits and bonds.
最重要的是，庫爾卡尼告誡投資人，不要將任何資金投入長期投資，例如定存和債券。
last but not least 最後但同樣重要的是caution(v.)告誡;提醒fragile(adj.)易碎的caution against…告誡不要fixed deposits定存a fixed-deposit account定存帳戶bond(n.)公債、債券
“Putting money into them shouldn’t come at the expense of your overall asset allocation,” she says.
她說：「投資這些標的不應以犧牲整體資產配置作為代價。」
at the expense of…以…為代價=at the cost of…allocate(v.)allocation(n.)分配、配置asset allocation資產配置
The writer reminds investors that stock market crashes and corrections usually do not continue for a long period of time.
庫爾卡尼提醒投資人，股市崩盤和修正通常不會持續太久。
correction(n.)(市場)修正
She stresses that investors should not make investment decisions based on current market conditions, as the market’s future development may be completely different.
她強調，投資者不應依據當下的市場情形妄下投資決策，因為股市未來的走勢可能完全不同。
stress(v.)強調=emphasizebased on…根據…