<prompt> Translate the following text to SwahiliIf 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.  <response>: Kama 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. 