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莉莉:
When it comes to select a fund, you will always read "Past performance is not an indication of future results". Can you believe that? 
说到基金.总有人会说过去的业绩并不代表它的将来.你相信吗?
梅:
Maybe it is right since everything is possible. You know the market changes quickly these days.
也许是对的.因为一切都有可能.你也知道.最近市场变化的很快.
莉莉:
But I still have doubt in those funds with bad historic performance. For me, historic record is the very important criteria to decide which to buy. I really want to decrease the risk to the minimum and achieve the maximum returns.
不过我对于过去表现不佳的基金还是没有信心.在我看来.一只基金的历史业绩是我购买它的重要衡量标准.我希望风险最低.回报最高.
梅:
If you refuse to take risk, you can`t have better returns.
如果你不冒险.也不可能有收益的.
莉莉:
I will think about it.
我会考虑的.