<prompt> Translate the following text to EnglishKama wote au wengi mashamba walikuwa kwa mwaka mmoja tu, mtu angeweza kuona kwa nini hisa - ambayo inaweza kutofautiana scaryly katika mwaka - inaweza amri kubwa hatari ya bima.  <response>: If all or most holdings were for only a year, one could see why stocks--which can fluctuate scarily in a year--might command a large risk premium. 