How is the individual retail investor's experience going to change in the coming year?

个人散户投资者体验在来年将会如何改变？

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As yet, there has been more of an effect on consumer sentiment than actual retail sales, although individual retailers (such as Britain’s Marks &Spencer) are suffering.

到目前为止，影响主要限于消费者信心而非实际零售额，尽管个别零售商（比如英国的马克斯思班塞）已受影响。

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Finally, the flow of products through the retail chain to consumers, the product is usually further back in the chain for individual products.

最后，产品通过零售环节流通到消费者手中，产品通常在这一环节中再还原为单个产品。

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There are also some hotel investments,retail properties, smattering of industrial properties not a lot of exposure to individual houses.

也有一些酒店和商场物业投资,以及一些零散的工业物业,没有太多地投资于个人住宅

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But when individual retail properties get into trouble, their values plummet faster than other property types, which can result in greater losses for investors.

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Analysts said the PICC shares were boosted by individual retail investors looking to buy into the insurer after many were shut out of the deal last week.

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The fundamental reason for this tendency is tax sensitive investors (mostly individual retail investors) sell small-caps to lock in year-end tax losses, then reinvest their portfolio in the New Year.

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