求英语强人帮忙翻译下，谢谢了！

资金具有一定的机会成本，所以，如果不将其用于投资就不能实现增值， 进而承担很大的机会成本。随着我国证券市场和房地产市场的不断发展。个人投资也逐渐活跃起来， 个人投资的方式有很多 ，如股票，债券、基金等，这些投资方式的风险和收益各不相同。于是选择哪种投资方式便成为摆在投资者面前的难题。同时货币又具有时间价值性，货币时间价值是我们日常生活中一个非常重要而又容易被忽视的问题。任何经济投资活动都需要考虑回报或者收益周期，很多投资者在投资决策中容易忽视这个问题，从而导致资金周转困难、投资失败甚至破产等问题。那么在中国现在这样一个投资项目多元化的年代里，当个人进行投资的时候，必然要产生优化选择问题，而影响这些投资决策的因素又是难以绝对量化的，从而给选择投资项目和投资时间带来了阻碍。

Funds have a certain opportunity cost, so if we do not use it for value-added investment can not be achieved, significant further commitment to the opportunity cost. As China's securities market and the continuous development of the real estate market. Personal investment have gradually become active again, the personal investment of a lot of ways, such as stocks, bonds, funds, these investment risks and benefits of different. Therefore choose which investments will become investors in place before the problem. At the same time is also the time value of money, time value of money in our daily lives is a very important and easy to igno