高回報高風險
Making an investment involves risk as it may not earn returns for an investor or may even lose money over time.
進行投資涉及風險，因為投資可能無法為投資者賺取回報，甚至可能隨著時間流逝而損失資金。
return (n.)（投資的）收益、利潤=profit
Therefore, investors should assess the risks before making any investment decisions.
因此，在做出任何投資決定之前，投資者應該評估風險。
In general, there is a positive relationship between returns from investments and the risk involved.
通常來說，投資的報酬和風險之間存在正相關。
in general 通常來說、一般而言
This means that higher-risk investments usually earn investors higher returns, while safer ones earn lower returns.
這意味著高風險的投資通常可以為投資者帶來更高的回報，而較安全的投資則會帶來較低的回報。
However, each investor is different, and it is important to assess the level of risk by taking into account personal financial goals, income, age and health.
然而，每位投資者都不同，風險評估是投資非常重要的一部分，需要考慮個人的財務目標、收入、年齡和健康因素。
take into account 列入考慮
For instance, older investors who are closer to retirement may choose lower-risk investments, while younger investors may choose higher-risk investments as they have more time to recover from potential losses.
例如，接近退休年齡的年長投資者可能會選擇較低風險的投資，而較年輕的投資者可能會選擇較高風險的投資，因為他們有更多的時間來將可能的損失重新賺回來。
retirement (n.)退休recover (v.)恢復、重新取得、重新賺回loss (n.)損失lose-lost-lost (v.)損失、失去
Banks and special online tools can help investors with assessing their investment risks.
銀行和特殊的線上工具可以幫助投資者評估他們的投資風險。透
By answering personal and financial questions, these services can tell investors what investments would be good for them to make based on their personal ability and willingness to take risks.
過回答個人和財務問題，這些服務可以根據投資人的個人能力和願意承擔的風險，告訴他們適合哪些投資。
financial (adj.)財務的、金融的financial crisis 金融危機financial consultant 財務顧問financial advice 財務建議based on 根據、依據
Doing this before making an investment is the best way for anyone to make a smart decision with their money.
在進行投資之前這麼做是任何人在理財方面做出明智決定的最佳途徑。