請將下面這段話翻譯成英文：

　　許多投資者都犯把大部分資金集中于一小項(xiàng)投資的錯(cuò)誤，如股票或房地產(chǎn)。一旦房地產(chǎn)市場或股市下滑，他們所受的沖擊將不小。謹(jǐn)慎的做法是擁有一筆相當(dāng)于六個(gè)月薪金的儲(chǔ)蓄，股市和房地產(chǎn)市場突然下滑或是急需現(xiàn)金時(shí)，可作為后盾。

　　參考譯文：

　　The mistake most investors make is to put most of their money in one form of investment,say stocks or properties.As a result,when the property and stock markets decline,these investors are in an extremely vulnerable position.It is always prudent to keep aside at least enough cash to provide a cushion of about 6 months monthly income as a safeguard against sharp declines in the stock and property markets or in the event that you need cash urgently.

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