一切都是定投: 学习、投资、关系、习惯……
一切也是积累: 技能、财富、关系、习惯……
既是投资，定然是看好未来。
既然看好未来，势必要抛掉了"活在过去" 和面"活在当下"，否则天天查看K线图——看好未来的意义何在？
钻营取巧，走捷径，占小便宜的人缺乏长期视角。
希望你看完今天的原文有所启发。
原文:
Most investors don't understand this, and it is the core reason why their investments are destined to fail. They want to make money quickly in the ephemeral bull market. It's really quite depressing : most of the "investors" who enter the market during a bull market are destined to lose their shirts, because before they realize it, the short bull market has ended, and the long bear market has begun. Regular investors, on the other hand, are slowly accumulating throughout the bear market.
In fact, the strategy of regular investing is not only applicable to trading markets, it's useful in almost all important areas of life, whether it be study, work or family. "Lifelong learning" is essentially a regular investing strategy, isn't it? If you could draw a "price curve" for an individual's learning, it would look a lot like the S&P 500. Even though it increases substantially over time, it goes through long periods of flat growth or even drops. Often when you are investing time in learning something it feels like you would be better off not learning it. The "bear market" is long, isn't it? This explains why so few people are able to become true lifelong learners. The reason is the same: everyone wants to make money quickly in the bull market and then leave.
生词:
1.core n. 中心，核心，精髓；果核；
2.destined adj. 命中注定的；v. 注定；
3.ephemeral adj. 短暂的，瞬息的；
4.depressing adj. 令人沮丧的；
5.realize v. 以……价格卖出；变卖；
6.accumulating v. 积累，堆积；
7.on the other hand 另一方面；
8.throughout prep. 自始至终，在……期间；
9.price curve 价格曲线；
10.individual's adj. 个人的；
11.increases v. 增多，增长；
12. a lot like 很像；
13.explains v. 解释，说明；
参考翻译与结构划分:
第一句:
Most investors（主）don't understand（谓） this（宾）, and it（主2）is（谓2） the core reason（宾2） why their investments are destined to fail（定从）.
主语2，即it，是形式主语，真正的主语其实是why后面的定语从句。之所以把真正的主语放在后面，是因为"后重原则"。换句话说，就是为了更高效地获取信息和美感的需要，而在开头用形式主语it代替。
翻译:
绝大多数投资者并不知道这些（使用定投策略，你的利润本质上将全部来自漫长的熊市），也不知道他们的投资为什么会注定失败的根本原因是什么。
第二句:
They（主）want（谓1） to make（谓2） money（宾） quickly（状） in the ephemeral bull market（状2）.
翻译:
他们想在短暂的牛市里快速赚钱。
第三句:
It's （主: it，系: is）really quite（状） depressing（表）: most of the "investors" who enter the market during a bull market are destined to lose their shirts, because before they realize it, the short bull market has ended, and the long bear market has begun（同位语从句）.
翻译:
事实上结果令人非常沮丧: 大多数 "投资者" 在牛市即将结束之时入场，以至于血本无归。因为在他们打算高价卖掉之前，短暂的牛市已经结束，漫长的熊市已经开始。
第四句:
Regular investors（主）, on the other hand（插入语）, are slowly accumulating （谓）throughout the bear market（状从）.
翻译:
在另一方面，定投策略采用者在熊市期间慢慢地积累（定投）。
第五句:
In fact（状）, the strategy（主） of regular investing（定） is （谓）not only applicable to trading markets（宾从）, it's（主系） useful （表）in almost all important areas of life（状）, whether it be study, work or family.
翻译:
事实上，定投策略不仅应用于交易市场，它几乎在人生的所有重要领域都很管用——无论是学习、工作还是家庭。
第六句:
"Lifelong learning"（主）is （谓）essentially（状）a regular investing strategy（宾）, isn't it?
翻译:
"终生学习" 本质上是一个定投策略，不是吗？
第七句:
If you could draw a "price curve" for an individual's learning, it would look a lot like the S&P 500（条件状语从句）.
翻译:
若是你为一个人的学习绘制一张价格曲线图，你将会看到它很像标普500指数基金。
第八句:
Even though it increases substantially over time, it goes through long periods of flat growth or even drops（让步状语从句）.
翻译:
尽管它的增长大体上随时间而增长，然而它其实是经历了长期的平缓增长或者干脆倒退的过程。
第九句:
Often when you are investing time in learning something it feels like you would be better off not learning it.
翻译:
在你投入时间学习一些东西的时候，你时常会感觉不学比学了更好。
第十句:
The "bear market"（主） is（系） long（表, isn't it?
翻译:
"熊市" 就是如此之长，不是吗？
第十一句:
This（主） explains（谓） why so few people are able to become true lifelong learners（宾从）.
翻译:
这也解释了为什么只有少数人有能力成为真正的终生学习者。
第十三句:
The reason（主） is（系）the same（表）: everyone wants to make money quickly in the bull market and then leave（同位语从句）.
翻译:
原因都一样: 每个人都想在牛市快速赚钱后快速离开。
的确，人生就像股市，短期涨跌很大又难以预测。然而若是你采用定投策略，长期看来，你一定是盈利的，否则一败涂地。由此来看，终生学习者比终生固步自封者人生会更好。
往期文章:
1.《趁年轻 结婚吧》；
2.《语法不用学？观念全错》；
3.浓缩书《非暴力沟通》；