2014年考研英语新题型模拟试题（2）
Passage 2 Directions:
You are going to read a list of headings and a text about how to select a fund． Choose the most suitable heading from the list A—F for each numbered paragraph (41-45)． The first and last paragraph of the text are not numbered． There is one extra heading which you do not need to use. Mark your answers on ANSWER SHEET1.(10 points)．
A) Watching related expenses and making wise choice． B) Paying attention to details
C) Weighing your financial goals and expectations first D) Maintaining realistic expectations E) Narrowing the Search F) Not too special
Eating better. Exercising Investing. There are a lot of things you know should he doing. There problem is that getting started always seems to be the hardest part. For many investors, mutual funds are a good way to go, but trying to sort through the number of available choices——now more than 1 0,000——makes this important task appear overwhelming Let’s look at some ways to cut that number down to a reasonable size, as well as other factors to consider when selecting your first fund． 41. Before you begin examining potential investments, it’s important to take some time to access your own goals and risk tolerance. If you start with a clear objective in mind, as well as an understanding as to how you might react if your investment loses money, you’11 be less likely to purchase a fund that doesn’t fit your needs .And that’s what often leads it disappointment It is important to look for funds that are appropriate—are for both your goals and your investment temperament． 42. One way to begin your search for a good fund is to use the Morning star rating. The rating is a useful tool for narrowing the field to funds that have done a good job of balancing return and risk in the past. To assign rating, Morningstar uses a formula that compares a fund’s risk—adjusted historical performance with that of other funds within four rating groups——domestic stock funds, international stock funds, taxable bond funds, and municipal bond funds． 43.
Funds that invest solely in a single market sectors, called specialty funds, often have impressive returns and may be great additions to a diversified portfolio. However, the success of such funds depends largely on the fortunes of a particular market sector. Hence, specialty funds probably aren’t the best way to start. For your first fund, look for a diversified stock fund that has exposure to different types of stocks． 44. There’s no free lunch in fund investing：1n addition to the sales fees that some fund companies charge, fund investors must also pay management fees and trading cost. Unfortunately, you don’t necessarily get what you pay for—no one has ever shown that more expensive funds provide greater returns. Look for funds with reasonable costs. The expense ratio, which expresses annual costs as a percentage amount, is probably the best number to use when comparing mutual fund costs． 45. Whatever the market does, try to take it in stride. You’re in for the long haul, so don’t worry about the market’s day—to—day gyrations. Relax and resist the temptation to monitor your first investment daily. Check in on your mutual funds once a month, and give your portfolio a thorough exam every 6 to 12 months. And consider adding to your fund each month. An automatic investment plan makes it a relatively painless process. Finally, remember that the ultimate measure of your Success as an investor depends not on your owning the best—performing mutual fund. Only one fund will be the top performer over the next decade, and there’s no way to predict which one it will be. Meeting your own financial goals should ultimately be the yardstick by which you measure your investment success．
参考答案
Passage 2 CEFAD
但具体落到实处应该是一种尊重，一种接人待物的方式方法。和文化知识有关，但不是必然，主要来自家庭的影响和后天的修为。 赫本被誉为女神，不仅仅因其貌美，貌美的很多，并不能被全世界的人记住；也不是因为学历，比她学历高的比比皆是。 但她用她的一生诠释了修养这个概念，她在遗言里这样说“若要优美的嘴唇，就要讲亲切的话。 手不仅能解决自身问题还能帮助别人；脑不仅能原谅别人还可以让自身不断进步。 我们身上每个零件都有用处，那些喜欢到处释放物质垃圾和精神垃圾的人都是不健全的。 看过很多父母抱怨自己的孩子不如旁人，那就看看自己是不是样样都行，孩子其实就是站在你面前的镜子。 在发成绩单时，在开家长会时，你恼怒了，你大打出手了，这恰恰暴露你精神世界的粗鄙。
我倒是很感动一句话”不需要你养老，只感谢让我参与你的成长。“ 若要可爱的眼睛，就要看到别人的好处；若要苗条的身材，就要把你的食物分享给饥饿的人。 若要美丽的秀发，在于每天有孩子的手指穿过它；若要优雅的姿态，走路时要记住行人不只你一个。 人之所以为人，是必须充满精力，自我悔改，自我反省，自我成长； 并非向人抱怨；当你需要帮助的时候，你可以求助于自己的双手； 在年老之后，你会发现自己的双手能解决很多难题，一只手用来帮助自己，另一只用来帮助别人。 这就是对修养最好的解读，也是做人的最高境界，更是心灵之美与外在之美完美的结合。 并且修养之美无处不在渗透影响着你的外在之美。 如果大家都能做到，那么我们都是天使。她告诉我们手是用来劳动而不是索取的，脑是用来忏悔而不是偏执的。 手不仅能解决自身问题还能帮助别人；脑不仅能原谅别人还可以让自身不断进步。
跨考教育XX4年考研英语新题型模拟试题(二)
