First, read the English article below.

Investing is an essential part of most financial plans, as it allows you to reach your financial goals quicker, and with less money saved by generating a return. It is important to note though that all investments do carry a degree of risk, and it is possible to lose money.   Common areas of investments include stocks, mutual funds, bonds, real estate, and commodities.  Each type of investment has a different earning potential, costs, and risks. You can purchase many types of investments (such bonds, stocks, and mutual funds) through banks, brokerages, and sometimes directly from companies, governments, or municipalities. Much investing can now be completed entirely online, but there are many investment brokers you can consult in person. Fees for face-to-face consultation, however, will likely be higher than transactions you complete on your own online. Although there are too many to list in one location, three important types of investments are stocks, bonds, mutual funds.  A stock refers to ownership in a company. By purchasing a stock, you are effectively buying a piece of a business, and the value of that piece will move up or down depending on how many people want to buy or sell it. For this reason, stocks can be incredibly volatile, and although they generally do better than any other type of investment (returning an average of 8% annually since 1929), they can also lose a tremendous amount in one year. For example, in 2008, U.S. stocks fell 50%. Stocks are a good choice for individuals holding for a long-term, such as those planning for retirement. Bonds refer to a debt investment. When you loan money to a government or company, you are purchasing a bond. In return for loaning the money, you will receive interest from the entity you loaned to, usually paid out annually or semi-annually. Bonds offer less risk than stocks traditionally. A mutual fund refers to a collection of investments (usually stocks), managed by a professional investor. When you purchase a fund, you are buying ownership in the basket... 

Now, please write a short abstract for it in Chinese. Abstract:
考虑投资。 了解不同种类的投资产品。 判断自己能够承受多大的风险。 选择合适的投资产品。 多样化投资。