dissave
动用储蓄金
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你可以抱着明年需要的资金不放而不愿冒一点风险，你也可以动用你们的退休储蓄金去承担很大的风险。
You could be completely risk-averse with money you need for next year, but you can be a huge risk-taker with money you're saving for retirement.
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