【学习笔记】懂你英语 商务英语 Level 6 Unit 1 Part 4（V）对话 Investment Advice 投资建议
Rike:
Hey, Uncle Bruce, it’s Rike.
Bruce:
Hey Rike, long time no see! To what do I owe this call?
Rike:
I’m calling because I want to ask you for some investment advice.
I’ve saved up some money over past two years, and now I’m looking to make it grow by investing it.
Since you work in banking, my daddy encouraged me to ask you for some advice.
【选择】-Why did his father encourage him to call his uncle? -His uncle works in banking.
【填空】I’ve saved up some money over past two years, and now I’m looking to make it grow by investing it.
Bruce:
Sure, anything I can do to help out?
Rike:
One of my friends has suggested that I put into the stock market. 我的一个朋友建议我投资股市。
He recently invested 15 thousand dollars in a new company called Avex Technologies. 他最近投资了1.5万美元在一家名为Avex Technologies的新公司。
And he says they’re on fire. 他说他们很火热。
So I want to ask if you knew they were a good company to invest in. 所以我想问你是否知道他们是一家值得投资的好公司。
【选择】-Where has his friend suggested that he invest his money? -in the stock market.
【词义】If a company is on fire,... it is doing extremely well.
【跟读】He is calling him because he wants some investment advice.
【跟读】He is suggested he put his money in the stock market.
【朗读】He recently invested 15 thousand dollars in a new company called Avex Technologies and he said they're on fire.
Bruce:
Well I haven’t heard of Avex, so I would have to know more about it before I could answer that.
But the smartest advice I’ve ever been giving about investing is to diversify.
I don’t doubt your friend has made a lot of money with Avex, but make sure you don’t put all your eggs in one basket. 【填空】
【选择】-What advice does he give hie nephew? -He should diversify his investments.
Rike:
Oh I totally understand. Actually I want to ask whether you knew about any other good companies I could invest in.
Bruce:
By diversify, I mean finding investments outside of individual shares of stocks. 我所说的多元化，是指在个人股票之外寻找投资。
Playing in the stock market can be exciting and yield big returns, but there’s also a lot of risk involved. 【填空】 在股票市场上投资可能会令人兴奋，并产生巨大的回报，但也包含很多风险。
If you are not careful, you could lose quite a bit of money. 如果你不小心，你可能会损失不少钱。
If your friend has 15 thousand dollars in Avex alone,I think he must either be very rich or very brave. 如果你的朋友光在Avex就有1.5万美元，我想他要么很富有，要么很勇敢。
【选择】-What did he mean by diversify? -He should put his money in many different investments.
【选择】-What can the stock market yield? -Large returns.
【跟读】He shouldn't put all his eggs in one basket.
【跟读】Investing in the stock market can yield big returns, but it's also risky.
Rike:
Well, I’ve saved up around 10 thousand dollars.
How much of that do you think I should use for buying stocks?
Bruce:
Personally, I believe that when you invest in the market, you should never put in more money than you're comfortable with losing.
Ten thousand dollars is nice a lot of money to begin an investing with.
But if I were you, I would consider putting majority of it in more conservative investment. 我个人认为，当你在市场上投资时，你永远不应该投入比你的舒适度损失更多的钱。1万美元是一大笔投资的开始。但如果我是你，我会考虑把大部分投资放在更保守的投资上。
【选择】If he were his nephew, ... he would make more conservative investments.
Rike:
My dad says that too. He keeps telling me that I should put at least half of my money into something called the index fund. 我爸爸也这么说。他一直告诉我，我应该把至少一半的钱投入一种叫做指数基金的基金。
index fund 指数化证券投资基金
Bruce:
I agree with him. An index fund is a great idea for someone in your position. 我同意他的看法。指数基金对你这种情况的人来说是个好主意。
Basically, it is like a basket of stock with inner certain index like the S&P (Standard & Poor) 500 and Dowjones. 基本上，它就像一篮子股票，里面有一定的指数，比如标准普尔500指数和道琼斯指数。
Because you’re buying into all the stocks in a certain Index, no matter how individual stocks perform, the returns remain relatively stable.【填空】 因为你买入了某个指数的所有股票。无论个股表现如何，回报率都保持相对稳定。
Dowjones 道琼斯指数
【选择】-How much money does his dad think he should invest in the index fund? -at least half of it.
【选择】-Why did returns remain stable in the index fund? -You own all the stocks in an Index.
【跟读】No matter how its stocks perform, the returns remain stable.
【跟读】Because you own all the stocks, the overall return is balanced.
Rike:
But doesn’t that mean that the overall returns will be lower?
Bruce:
Yes. The potential pay off may be less than investing in individual stocks, but over time the interest compounds so that gradually you can make a lot. 【跟读】潜在的回报可能比投资个股要少，但是由于复利，逐渐地你就能赚很多。
And ten years time, your initial investment could even triple. 十年后，你的初始投资甚至可以增加三倍。
【选择】-Why can he gradually make a lot by investing in an Index Fund? -the interest compounds over time. -为什么他可以通过投资指数基金逐渐赚很多钱?-复利时间。
【选择】If the overall returns from an Index Fund are stable, they may also be....
Rike:
That does sound like a smart investment. Although I wish I could find a way of investing that would make me money this year, not ten years down the road. 我希望我能找到一种今年就能赚钱的投资方式，而不是10年后。
Bruce:
Well like I said, investing is all about diversification. 就像我说的，投资就是多样化的。
It’s a bull market after all, so it won’t hurt to put 2,000 dollars in some popular stocks. 毕竟这是一个牛市，所以在一些热门股票上投入2000美元也不会有什么坏处。
With prices going up and people buying more, you should be able to see some immediate returns. 随着价格上涨，人们购买更多，你应该能够看到一些快速回报。
【选择】-Why should he see an immediate turn if invests in popular stocks? -It's a bull market.
【词义】【跟读】To compound means to build up over time.
【跟读】In a bull market, stock prices go up and people buy more stocks.
Bruce:
Just remember that no market last forever. 记住没有市场是永恒的。
And when the market sees a correction, you’ll be glad to put some of your money in the index fund. 当市场调整时，你会很高兴把你的一部分钱投入指数基金。
Rike:
You know you really are our proud, Uncle Bruce.
You’ve given me so much great advice. Thank you very much!
【跟读】Stock prices are going up, so he should see an immediate return.
【朗读】 I wish I could find a way of investing that would make me money this year, not ten years down the road. 我希望我能找到一种今年就能赚钱的投资方式，而不是10年后。
