One solution to this problem is mutual funds. Pooling the resources of a group of investors in the interest of sharing the risks and diversifying their portfolios, this system distributes the capital over a wide range of stocks and bonds and spreads the risks over the group. This reduces the impact of the occasional failure. Moreover, trading as a single entity significantly reduces trading costs.

解决这个问题的一个办法是建立共同基金。为了分担风险和多元经营有价证券，可以募集一组投资者的资金，在大范围的股票和债券上对它们进行分配，分散组内投资人的风险。这样就能减少偶发的失利带来的冲击。此外，以单一实体进行交易大大降低交易成本。

(短文节选,本篇始于：共同基金)