中文：

投资组合是一种将资金分散投资于多种不同资产的方式，以降低投资风险。通过投资组合，投资者可以分散投资于股票、债券、基金、房地产等多种不同的投资品种，以降低单一资产的风险。

投资组合能够分散市场风险。市场风险是指由于市场价格波动而导致的投资损失。通过将资金分散投资于不同的资产类别和行业，投资组合可以降低单一资产的市场风险。当某些资产的市场价格下跌时，其他资产的市场价格可能上涨，从而抵消部分或全部损失。

此外，投资组合还可以分散非系统性风险。非系统性风险是指特定资产或行业特有的风险，与整个市场的波动无关。通过将资金分散投资于不同的行业和资产类别，投资者可以降低非系统性风险的影响。即使某个行业或资产出现问题，其他行业和资产可能表现良好，从而抵消部分或全部损失。

总之，投资组合能够分散市场风险和非系统性风险，降低单一资产的风险。通过分散投资，投资者可以降低投资损失的风险，提高投资收益的稳定性。

英文：

An investment portfolio is a way to diversify an investment across multiple assets to reduce risk. Through a portfolio, investors can diversify their investments across different asset classes such as stocks, bonds, funds, and real estate to reduce the risk of a single asset.

Portfolios can diversify market risk. Market risk refers to the potential for loss due to market price movements. By investing across different asset classes and industries, a portfolio can reduce the market risk of a single asset. When market prices for some assets decline, market prices for other assets may rise, offsetting some or all of the loss.

In addition, portfolios can diversify non-systematic risks. Non-systematic risks are specific to a particular asset or industry and are not related to overall market fluctuations. By investing across different industries and asset classes, investors can reduce the impact of non-systematic risks. Even if an industry or asset encounters problems, other industries and assets may perform well, offsetting some or all of the loss.

In summary, investment portfolios can diversify market risks and non-systematic risks, reducing the risk of a single asset. By diversifying investments, investors can reduce the risk of investment losses and improve the stability of investment returns.