So the best that our little savings accounts or retirement accounts can do is to try to catch some waves in the good cycles and hope that we don't get inundated in the turbulent ones, but certainly our decisions on how to steer our little retirement accounts don't affect the tides, don't change the shape or size or direction of the waves.
因此，我们储蓄账户 或者退休金账户上那点小钱，顶多能 搭一搭牛市的顺风车， 祈祷自己不要遇上熊市， 当然，我们对自己退休金账户的那点小操作， 对大局毫无影响， 改变不了大盘的走势或者规模。