2. Ramp up your investments.

2. 增加投资

Open a Roth individual retirement account, if you don't have one already. You can invest up to $5,000 for 2017 and $5,500 for 2013 and a nonworking spouse can invest the same. If you are older than 50, add $1,000.

开设一个罗斯(Roth)个人退休帐户（如果你还没有的话）。2017年你最多可投资5,000美元，2013年最多可投5,500美元。没有工作的配偶也能投资相同数额。如果你年龄大于50岁，再增加1,000美元投资。

Then invest some money in a fund, such as the WisdomTree Emerging Markets Small Cap Dividend exchange-traded fund (DGS), specializing in smaller-company stocks in emerging markets. It shouldn't be the whole of your portfolio, but it should be in there. This is likely to be a volatile growth investment.

然后将部分资金投资一只基金，如专注投资新兴市场小型股的交易所买卖基金WisdomTree Emerging Markets Small Cap Dividend ETF。这虽然不该是你投资组合的全部，但应该成为其中的一个部分。这可能是一项波动性较大的增长投资。

Emerging markets offer the best overall returns of any investment at the moment, according to two groups of experts who successfully predicted the last two financial crises: Research Affiliates, the investment advisory firm founded by Robert Arnott, and GMO, the fund company co-founded by Jeremy Grantham. GMO estimates that emerging markets offer an investment return over seven years of 50% plus inflation, handsomely beating any rival asset class.

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