You will think about what kind of saving instru- __1__ ment to use or what kind of investment to make. By putting your money in some kind of savings strument or investment, you can set aside small amount of mon- __2__ ey regularly and the money will earn interest or divi-dends. Interest refers to the amount what your money __3__ earns when it is kept in a savings instrument. Divi-dends are payments of part of a company’s earnings to people hold stock in the company. A savings instru- __4__ ment has an “interest rate ” associated with it; this refers to the rate which the money in the instrument in- __5__ creases during a certain period of time. Principal refers to the facial value or the amount of money you __6__ place in the savings instrument on which the interest is earned.
Every type of savings or investment has some risk that the return will be less than needed or expected.Federally insured savings accounts are safe and guar-anteed up to $100,000 by the U.S. Government. Therefore, they may have lower interest rates, making __7__ it hard to save large amounts of money for college. __8__ Bonds and stocks often have higher returns than savings accounts or EE saving bonds but are more riskier. __9__ You can reduce the risks of these kinds of investments by starting to save early. The earlier we begin the less __10__ money you will have to put aside each month and the more total savings you will accumulate.
2.在small前面加上a。a small amount of 表示“少量的”，冠词不可缺。
5.在which前面加上at。关系代词which在此引导的同样是一个定语从句，并且在此应该用“介词＋关系代词”这个形式，因为前面的rate往往用于短语at a rate，此处的介词可以提前。