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  3. Most parents don’t save nearly enough for their children’s education. "For a child born today, if you assume that current tuitio

Most parents don’t save nearly enough for their children’s education. "For a child born today, if you assume that current tuitio

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问题      Most parents don’t save nearly enough for their children’s education. "For a child born today, if you assume that current tuition is $5, 000 and educational inflation is five percent, you can expect to pay about $50, 000 for four years of post-secondary education-- and that’s conservative," Pollock says.
     DO open a registered education savings plan. The earnings aren’t taxable as they grow within the plan, and there’s the added incentive of the Canada Education Savings Grant— $400 from the government on the first $2, 000 of contributions per child per year. "That’s a guaranteed 20 percent return-it’s a no-brainer,’ says Pollock.
    However, when you decide to invest in the stock market, you must expect ups and downs. Recent years of tepid returns have changed the behaviour of many — but not ail — investors. Some have shifted to lower-risk investments or have stayed on the sidelines. Others seem to have forgotten the lessons of a volatile market and are taking chances again. While too much risk can hurt your pertfolio’s growth rate, so can hiding in ultra safe investments paying one percent or less. Ideally, your portfolio should be able to keep its head above water during prolonged market downturns and be positioned to grow when the economy and market soar.
     DO look at staying invested for the long haul. "Don’t chase every fad, "says Daniel Goodman, associate portfolio manager and director of private client group with Dundee Securities Corporation in Toronto. He says trying to time the market is a fool’s game. "Studies have shown that it’s longterm discipline that provides above-average returns. Look at your asset allocation on a regular basis and rebalance it when necessary. But you have to start with a plan and stick to it."
     DO diversify. "Your portfolio volatility will be reduced when one investment zigs while another zags, "says John De Goey,a financial advisor with Assante Capital Management Ltd. in Toronto and author of The Professional Financial Advisor. But don’t overdo it, Goodman says. To start, you need the right mix of stocks and bonds. "A general rule of thumb is that the percentage of your investment portfolio consisting of fixed-income holdings should equal your age, "Goodman says. "So at 35 ,you should have 35 percent of your portfolio invested in fixed income and 65 percent in equities. "The thinking is, you become more conservative as you get older.
Which of the following is not what Daniel Goodman suggested?
选项 A、Don’t chase every fad.
B、Don’t try to time the ups and downs of the market.
C、Don’t sell if you don’t earn from the market.
D、Start with a plan and stick to it.
答案C
解析 这是一道细节题，人名是定位点，相关信息在文章的第四段。在这一段里，Daniel Goodman提到了：“Don’t chase every fad”；“trying to time the market ie a fool’s game”；“But you have to start with a plan and stick to it”即不要追求时尚；记录市场的变化是愚蠢的行为；必须先制定一个计划并持之以恒。由此看见，A ，B ，D 都是Daniel所建议的。只有C “如果你无法从市场上转去回报就不要出售”未在文中提及。故应选C 。
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