为什么要做理财

理财对于现代人来说变得越来越重要。随着经济的发展和人民生活水平的提高，人们手中的钱越来越多，如何让这些钱发挥最大的价值成为了人们关注的焦点。因此，理财成为了一个必要的选择。

英文翻译对照：Why do we need to manage our finances?

首先，理财可以帮助我们实现财富的增值。通过投资和理财，我们可以将资金投入到不同的资产中，如股票、债券、基金等，从而实现财富的增值。此外，理财还可以通过对个人或家庭的收入和支出进行规划和管理，优化财务结构，提高财务效率，从而增加财富积累。

英文翻译对照：Firstly, financial management can help us achieve the appreciation of wealth. Through investing and financial management, we can invest capital into different assets such as stocks, bonds, funds, etc., thereby realizing the appreciation of wealth. In addition, financial management can also optimize the financial structure and improve financial efficiency by planning and managing the income and expenditure of individuals or families, thereby increasing wealth accumulation.

其次，理财可以帮助我们规避风险。在投资和日常生活中，人们不可避免地会面临各种风险，如市场风险、信用风险等。而理财可以帮助我们通过分散投资、保险等方式来降低风险，保障我们的财产安全。

英文翻译对照：Secondly, financial management can help us avoid risks. In investment and daily life, people inevitably face various risks such as market risk and credit risk. And financial management can help us reduce risks through diversified investment, insurance and other means to ensure the safety of our property.