Furthermore, as investors grow more sophisticated and experienced, "direct participation" in financial markets, in which individual investors take risks themselves and can earn higher profits, is playing an ever greater role in advanced Western countries: shares, bonds, mutual funds and even options have all become part of the everyday life of white-collar workers.
再說，隨著投資人的程度提高、歷練豐富，自負風險並享有較高利潤的「直接金融」行為，在歐美先進國家的比重都越來越重；股票、債券、基金、甚至期貨，都已是上班族日常生活的一部分。