Investment Advice
Hay Uncle Bruce, it’s Rake.
Hay Rake,long time no see! To what do I owe this call?
I’m calling because I want to ask you for some investment advice. I’ve saved some money over past two years,and now I’m looking at making it grow by investing it. Since you work in banking,my daddy encouraged me to ask you for some advice.
Sure,anything I can do to help out?
One of my friends has suggested that I put into the stock market. He recently invested 15 thousand dollars in a new company called Avex Technologies. And he says they’re on fire. So I want to ask if you knew they were a good company to invest in.
PS: 我的一个朋友建议我投资股市。他最近投资了1.5万美元在一家名为Avex Technologies的新公司。他说他们着火了。所以我想问你是否知道他们是一家值得投资的好公司。
One of…之一
suggested建议; 提议; 推荐; 举荐; 使想到; 使认为; 表明; suggest的过去分词和过去式
put into插入; 注入; 入港
stock market证券交易; 股票交易; 股市
invested投资; 投入; invest的过去分词和过去式
thousand一千; 数以千计的; 成千上万的; 许许多多的; 1 000到9 999间的数目; 千位数
on fire热情似火;激动万分;激情澎湃; 着火;起火;在燃烧
want to应该
invest in投资到
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.
Oh I totally understand. Actually I want to ask whether you knew about any other good companies I could invest in.
By diversity, I mean finding investments outside of individual shares of stock. Play in the store market can be exciting and yield big returns,but there’s also a lot of risk involved. If you are not careful,you could lose quite a bit of money. If your friend has 15 thousand dollars in Avex alone,I think he must either be very rich or very brave.
PS: 我所说的多元化，是指在个人股票之外寻找投资。在商店市场上玩可能会令人兴奋，并产生巨大的回报，但也有很多风险涉及。如果你不小心，你可能会损失不少钱。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。
investments投资; 投资额; 投资物; 值得买的东西; 有用的投资物; investment的复数
yield出产; 产生; 提供; 屈服; 让步; 放弃; 缴出; 产量; 产出; 利润
a lot of许多
careful小心; 注意; 谨慎; 细致的; 精心的; 慎重的
brave勇敢的; 无畏的; 需要勇气的; 表现勇敢的; 新颖的; 崭新的; 勇敢面对;
Well,I’ve saved up around 10 thousand dollars. How much of that do you think I should use for buying stocks?
Personally, I believe that when you invest in the market, you should never put in more money than your comfortable was losing. 10 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.
PS: 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
conservative英 [kənˈsɜːvətɪv] 美 [kənˈsɜːrvətɪv] adj.保守的;守旧的;(英国)保守党的;低于实际数量的n.(英国)保守党党员，保守党支持者;保守者;因循守旧
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.
PS: 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
I agree with him. An index fund is a great idea for someone in your position. Basically,it is like a basket of stock with inner certain index like the S&P(Standard & Poor)500 and Dowjones. Because you’re buying into all the stocks in a certain index. No matter how individual stocks perform,the return remains relatively stable.
PS: 我同意他的看法。指数基金对你这个职位的人来说是个好主意。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。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
But doesn’t that mean that the overall returns will be lower?
Yes. The potential pay off may be less than investing in individual stocks,but overtime,the interest compounds,so that gradually you can make a lot. And ten years time,your initial investment could even triple.
PS: 潜在的回报可能比投资个股要少，但加班加点，利息就合成了，这样慢慢就能赚很多。十年后，你的初始投资甚至可以增加三倍。
pay off偿清，还清; 还清欠…的钱; 用钱打发; 成功; 赢利
may be多半
less than毫不; 完全不; 一点都不
overtime加班; 加班的时间; 加班费
compounds复合物; 混合物; 化合物; 复合词; 使加重; 使恶化; 由…构成; 混合; 掺和; 拌和; compound的第三人称单数和复数
so that因此; 以便
gradually逐渐地; 逐步地; 渐进地
a lot常; 许多
triple三部分的; 三人的; 三组的; 三倍的; 三重的; 成为三倍; 使增至三倍
That does sound like a smart investment. Although I wish I could find a way of interesting that would make me money this year, not ten years down the road.
Well like I said,investing is all about diversification. It’s a bull market after all,so it won’t hurt to put 2 thousand dollars in some popular stocks. With prices going up and people buying more,you should be able to see some immediate returns. Just remember that no market last forever. And when the market sees a correction, you’ll be glad to put some of your money in the index fund.
PS: 就像我说的，投资就是多样化。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。随着价格上涨，人们购买更多，你应该能够看到一些立即的回报。记住，没有市场是永恒的。当市场看到调整时，你会很高兴把你的一部分钱投入指数基金。
all about关于…的一切，到处，各处
after all毕竟; 居然; 终究; 竟然;居然
you should你应该; 你应该要; 翻阅字典查查这个生词
be able to能做到…的; 可以…的，能够…的
last forever万古长存
index fund指数化证券投资基金
You know you really are our proud uncle Bruce. You’ve given me so much great advice. Thank you very much!
