許多投資者都犯把大部分資金集中于一小項投資的錯誤，如股票或房地產。一旦房地產市場或股市下滑，他們所受的沖擊將不小。謹慎的做法是擁有一筆相當于六個月薪金的儲蓄，股市和房地產市場突然下滑或是急需現金時，可作為后盾。
參考譯文：
The mistake most investors make is to put most of their money in one form of investment,say stocks or properties.As a result,when the property and stock markets decline,these investors are in an extremely vulnerable position.It is always prudent to keep aside at least enough cash to provide a cushion of about 6 month's monthly income as a safeguard against sharp declines in the stock and property markets or in the event that you need cash urgently.
