你别过分乐观了。正是因为大家都这么说，我才觉得可怕。中国的股市还不太成熟，散户太多了。而且都是做短线的，缺乏理智分析和一定的心理承受能力。所以，把钱放在股市是非常冒险的。
nǐ bié guòfèn lèguān le 。zhèng shì yīnwèi dàjiā dōu zhème shuō ，wǒ cái juéde kěpà 。Zhōngguó de gǔshì hái bùtài chéngshú ，sǎnhù tài duō le 。érqiě dōu shì zuò duǎnxiàn de ，quēfá lǐzhì fēnxī hé yīdìng de xīnlǐ chéngshòu nénglì 。suǒyǐ ，bǎ qián fàng zài gǔshì shì fēicháng màoxiǎn de 。
Don't be too optimistic. The reason I feel scared is exactly because everyone is talking like you. The Chinese stock market still isn't mature yet. There are too many private investors, and they're all looking at the short term, lacking both rational analysis and a certain psychological endurance. This makes putting money in the stock market extraordinarily risky.