It's a lot easier to be bullish with other people's money than your own.
如果你是在帮别人理财，而不是在用自己的钱投资，那么你可能更容易持看多市场的态度。
Still, a recent study shows a surprisingly wide 'optimism gap' between millionaires and their financial advisers. According to the study from Charles Schwab, 45% of financial advisers are bullish about the market over the next six months. Only 29% of millionaires (those with $1 million or more in investible assets) are bullish.
尽管如此，最近一项研究显示，富人和他们的理财顾问对市场的乐观程度存在很大差距。嘉信理财(Charles Schwab)的一项研究表明，45%的理财顾问看好未来六个月的市场，相比之下，只有29%的富人（可投资资产在100万美元或以上）看涨市场。
Fully 19% of millionaires are bearish more than the 13% for advisers.
看跌市场的富人占比达19%，持相同看法的理财顾问则仅有13%。
Millionaires are far more likely to believe that inflation will increase over the next six months. They also are more likely to believe that unemployment will increase, the deficit will increase and that the U.S. will experience a double-dip recession.
富人更倾向于相信未来六个月通胀水平将加剧，他们也更有可能相信失业率将上升、赤字将增加以及美国将经历二次衰退。
About 70% of the millionaires said their primaryinvestmentstrategy was 'capital preservation' and that their chief investment goal is generating enough retirementincome to last the rest of their lives.
约70%的富人说，他们的主要投资策略是保本，他们的主要投资目标是获得足够的退休收入安享晚年。
Advisers have a different view of their client goals: They say 50% of their clients seek capital preservation and the other half seek appreciation. The advisers say 64% of clients are looking for retirement income.
理财顾问对其客户的投资目标有不同看法。他们说，50%的客户寻求保本，另一半客户希望资产增值。理财顾问说，64%的客户希望获得退休收入。
What this all means is that wealth advisers aren't as worried about the economy or political environment as their clients. And they don't realize just how conservative their clients want to be.
上述信息意味着，理财顾问不像他们的客户那样担忧经济或政治环境。他们也没有意识到他们的客户有多么保守。
Why do you think there's an 'optimism' gap between advisers and their clients? Is it just about selling them more products?
各位读者，你如何看待理财顾问与客户对市场的乐观程度存在差距这种情况？仅仅是因为理财顾问想要向富人卖出更多理财产品吗？
Robert Frank
- financial [fi´nænʃəl]
a.金融的，财政的 (初中英语单词) - primary [´praiməri] a.主要的 n.居首位的 (初中英语单词)
- investment [in´vestmənt] n.投资；(时间等)投入 (初中英语单词)
- income [´inkʌm] n.收入，所得 (初中英语单词)
- wealth [welθ] n.财富，财产 (初中英语单词)
- economy [i´kɔnəmi] n.经济；机制；组织 (初中英语单词)
- unemployment [,ʌnim´plɔimənt] n.失业；失业人数 (高中英语单词)
- client [´klaiənt] n.委托人；顾客 (高中英语单词)
- appreciation [ə,pri:ʃi´eiʃən] n.评价；感激 (高中英语单词)
- environment [in´vaiərənmənt] n.郊区；周围；条件 (高中英语单词)
- conservative [kən´sə:vətiv] a.保守的 n.保守者 (高中英语单词)
- retirement [ri´taiəmənt] n.退休；撤退；幽静处 (英语四级单词)
- preservation [,prezə´veiʃən] n.保存；储藏；维护 (英语四级单词)
- surprisingly [sə´praiziŋli] ad.惊人地；意外地 (英语六级单词)
- deficit [´defisit] n.缺乏，赤字，亏空 (英语六级单词)
- strategy [´strætidʒi] n.兵法；战略 (英语六级单词)
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