题目内容：
根据以下材料，回答题Howfarawayyouarefromretirementplaysalargepartinhowyoushouldinvestyourretirementmoney.AccordingtoLeslieWrightofWestminsterPortfolioServicesLtd.,therearethreestagestoalong-termregularsavingsplanforretirement:capitalization,consolidationandconservation.Inthefirststage,peopleshouldbemostconcernedwithbuildinguptheirretirementsavingsinvestment.AccordingtoWright,theseinvestorscan"takeasaggressiveanoutlookastheirnervescanstand,"becauseatthispointthereislittlecapitaltorisk.Thesecondstep,consolidation,makesupthebulkofyoursavingsplan;balancetheaggressiveinvestmentswithsometamerones,tobetterprotectyourexistingpossessions.Thefinalchange,fromconsolidationtoconservation,whenyourinvestmentsshouldaimtopreservethecapitalyouhave,shouldtakeplaceonetothreeyearsbeforeyouretire.Theexacttimingofalltheseshouldtakecurrentmarketconditionsintoaccount,althoughWrightwarnsagainstriskybettingonfuturegrowth."Greedmustnotbeallowedtoblindprudence,"hesays.
Whatevervehiclesyouchooseforyourretirementshare-holding,besuretotakeadvantageofdollar-costaveraging.Byinvestingafixedamountatregularintervals,you'llbeabletoavoidtheriskofpoorlytimedinvestmentsbyaveragingoutthepeaksandvalleysofthemarket.Plus,regularcontributionswillletyouavoidthetemptationtodropoutwhenthemarketfalls,andtobuytoomuchwhenpricesarehigh.
Thosewhoarewellalongtheroadtoretirementmayhavecauseforconcernthesedays.Theplungingstockandpropertymarketshaveshrunksavings,forretirementandotherwise;andsomepeoplehavenotplannedfortheirretirementatall.
Youwon'tbethatrash,ofcourse,butwhatifyou"realreadyinmid-careeranddon'thavearetirementplaninplace?Ifyoudon'tmakesomeseriouscutsinyourspendingandsaveheavilynow,you'llhavetosacrificeinyourgoldenyears.
Ofcourse,it'sbetterstilltogetoffontherightfootbystartingyourplanningearly."Nooneshouldhavetocompromisehislivingstandardswhenheretires,"saysWright."Retirementisatimetoreallyenjoylife.Wehaveallworkedsohard."Andoneofthethingsyoushouldheworkinghardonright,nowisplanningforthosedaysofenjoyment.
Inthefirststageofsavingforretirement,peoplecantakeanaggressiveinvestmentstrategybecause A．theyhavealong—termregularsavingsplaninview.
B．theycanwellstandlossesthatmightoccur.
C．thereisnOriskinlong—terminvestment.
D．chancesCanbalancepossiblerisks.
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