Their actual return, of course, has mostly been negative. Over the past decade, equity investing hasn't offered much of a premium.
他们中的大多数人的实际回报率都不那么理想，在过去的十年里，股市并没有提供太多的利润。
2
The most popular life-insurance products tend to be simple: pay a premium for 10-15 years and get a return, plus protection for your family in the case of death.