appropriator
... embezzlement侵吞，盗用 embezzler侵吞者，盗用者 emergency fund应急基金 ...
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基金管理者的小费总是在侵吞投资者的回报；etfs是一种让投资者更多的持有自身资金的行之有效的方法。
Fund managers' fees have always eaten into investors returns; ETFs were a splendid way of letting investors keep more of their money.
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