Admittedly our willingness to take risk depends on our moods and ourexperiences as well as our investment goals: You may be willing togamble more with education funds than with retirement.

• 诚然，人们承担风险的意愿取决于自己的情绪、经验以及投资目标：你可能愿意在教育基金上冒些风险，而在退休金投资方面则不然。