3.

　　Studies have shown that the majority of the returns generated by an investment are dictated by the asset-allocation decision. If you are looking to grow your wealth over time, fixed-income investments aren’t likely to get the job done, and inflation can take a big chunk out of your savings.

　　Investing in equities entails more risk, but it is also statistically likely to lead to greater returns. For many of us, it’s a risk we have to take if we want to see our wealth grow. Asset-allocation strategies can help you learn how to make picking the right mix of securities the core of your investing strategy.

　　4.

　　Part of long-term planning involves accepting the idea that setbacks will occur. If you are not prepared, these setbacks can put a stop to your savings efforts. While you can’t avoid all of the bumps in the road, you can prepare in advance to mitigate the damage they can do.

　　5.

　　Your income should rise as time passes. You’ll get raises, you’ll change jobs, and maybe you’ll get married and become a two-income family. Every time more cash comes into your pocket, you should increase the amount that you save. The key to reaching your goal as quickly as possible is to save as much as you can.

　　2

　　(2017·咸阳模拟)

　　A. Set up a meeting.

　　B. Make a shop list.

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