I think maybe the best option is to take both if you're really interested in the subject matter.

如果你真的对金融很感兴趣的话,我觉得最明智的选择就是都选

耶鲁公开课 - 金融市场课程节选

Most people think that it's not a smart thing to do-- to try to time the market.

大多数人认为把握市场时机,是不是明智的选择

耶鲁公开课 - 金融市场课程节选

You know that buying gold coins from some newspaper ad is not a smart investment, but they know that there will be people out there.

你们明白购买报纸广告上宣传的金币,是一种不明智的投资选择,但销售商知道总会有人上钩

耶鲁公开课 - 金融市场课程节选