English Chinese translation sample-Defined Fund Investment Plan-Helpful Tips

（Edited by freelance Chinese translator li – English to Chinese translation or Chinese to English translation services- financial translation）

☆ Helpful Tips
In general, investment term is determined by you own. Investment term of "Defined Fund Investment Plan" is 3 years or 5 years. Review your past investment after the plan end. Decide whether or not the fund portfolio in the plan shall be replaced by another new "Defined Fund Investment Plan" based on the performance of the fund. To improve long-term return, ICBC recommends you to notice the following points before signing up a "Defined Fund Investment Plan".
　　☆温馨提示
　　一般来说应根据理财目标的年限定立投资的年限，“定投计划”的投资年限为三年、五年和八年，在到期后应对过去的投资状况作回顾，根据基金的表现确定是否更换定投的基金组合继续开始新一期的投资“定投计划”。为了提高您的长期理财收益，工行建议在办理“基金定投”时注意以下几点：

1. Never try to stop deduction at low price
Business cycles with boom and depression, while stock market also rides with peaks and troughs. The most pessimistic period is usually the time at nadir. And investor always stops deduction at this moment. Since more unit numbers can be bought at the lowest, much more will be gained when waiting till market rebounds. So, never lose big return because of trivial defaults.
　　1. 切忌于低点停止扣款
　　景气有高低循环，股市也有涨有跌，最悲观的时候往往也是最低点的时候，但是投资人却常常在此时停止扣款。由于低点时可买进较多的单位数，等到股市回升后可以享受更优厚的回报，因此万万不可因小失大。

2. Invest long term to see benefits
"Defined Fund Investment Plan" uses the strategy of dollar-cost averaging to minimize risk, which means investment in long term to overcome risk arising from market fluctuations and to gain profit when market rebounds. Stock markets, in China and all around the world, are overall going upswing. Longer investment period can avoid the short-term market fluctuation and earn return in the long run.
　　2. 长期投资方显效益
　　“定投计划”采用平均成本的策略降低投资风险，但相对地也需长期投资，才能克服因市场波动产生的风险，并在市场回升时获取利益。包括国内股市在内，全球股市整体上保持长期上扬的趋势，若是投资期间愈长，就可化解短期股市波动，收取股市长期的获利。

3. The earlier to start, the better
The longer the investment period is, the more obvious the compound interest effect shows, and the more fortune will be accumulated. Therefore, you can achieve what you want sooner if the plan can be started as early as possible.
　　3. 越早开始越好
　　由于投资时间越长，复利效果越明显，所累积的财富也越多。因此如果能够尽早开始定期定额的计划，将可以越早实现理财目标。