关于通货膨胀对个人理财的影响，以下说法错误的是（）。

A.储蓄投资的实际利率可能是负值

B.持有外汇是应对通货膨胀的一种有效手段

C.固定收益的理财产品会贬值

D.应当适当增加股票的配置

A graduation ceremony is a custom           takes place           students graduate from a school.

A．which; when

B．that; who

C．which; whose

D．that; which