地道美语听力播客:理财需要了解哪些知识?
日期:2019-03-29 15:08

(单词翻译:单击)

m~xycjXK1Q.6i%1&(I^O!-M

中英文本

hJ|e!kynz%TdFFZY!

欲加强难度还请移步《地道美语听力播客(快速版)》

Ha+.bX&V*X~kU9_k&^

YZA9t6R|Xv-27

fZptc4XPMEC*co;o@@

VNkgEd+Ot3&_T

w_rjskAL5GE%@Y

[^6U!43gi7vptB^

tXHh)m,FtW)A!AQCjur

ZrHrRm~m3!x@UXx

My company offers a 401(k) plan. Do you think I should have one?
我的公司提供了401K计划(一种养老保险制度)dP=u@Buv]]mE]。你觉得我需要申请下吗?
Yes, definitely. I had a 401(k) account when I worked for McQ Corp, and when I started working on my own I converted it to an IRA.
当然了48rPLa6Mtyu]xu5OO。我在McQ公司工作的时候,曾经有一个401K账户,当我开始创业的时候,我把它转成了个人退休账户(IRA)nWeVd&!u,s0u-RE|q
I really don’t understand any of these investment options. I talked to an investment specialist at my bank, but I left her office just as confused as when I went in.
我对这些投资选择真的一窍不通fB7b4bIhlHC+O。我向银行的投资专家咨询过,可离开她办公室后,我还是一无所知_Jp]q%G^r8%

!.P_)[I,L.ZcjIf

podm190330.jpg

aPz=FF3X;qm]BJ


Look, you want to have a diversified portfolio of lower-risk and higher-risk investments. On the low-risk end, put money in bonds, CDs, or a money market account. You want to balance that out with some riskier investments that may bring a higher return, such as mutual funds and stocks.
这样,你需要一个既有低风险又有高风险的多样化投资组合A|Tvn4f!OR0#UsB9。关于低风险,你可以把钱放在债券、CDs(定期存单)或货币市场账户中^XS6s;nC5|]。你可以选择一些可能带来高收益的高风险投资来平衡一下,例如共同基金和股票jkS=m^+[;,a@0=GR1
Wow, all of that just went over my head. I don’t know a CD from a bond.
哇,我无法理解这些概念[.^Tl4CqRK%。我分不清定期存单与债券V,6*O~+i16MF,B0
It’s really simple. Your choice ranges from a fixed return to a variable return, and the variable investments carry different levels of risk.
很简单的rK575X5m&yy6ax6CiH1J。你的选择范围从固定回报到浮动回报,而浮动投资具有不同的风险水平;[d;4Dieo=Fh^Dyg%rq
My head hurts. Are you sure I really need all of these investments?
我的脑袋要爆炸了5)zoIvys)R[9。你确定我真的需要这些投资吗?
Not all of them, but it would be smart to invest your money in something.
当然不是全部,但是把钱投资在某些领域是明智的#,6px0.ZGb,cC+
Not if I spend it all first, right?
总之就是不要大肆挥霍,对吧?
Right. You know what they say: “A fool and his money are soon parted!”
没错GcU17Tfao4#](。你知道的,大家常说:“蠢人有钱留不住!”

9ws+Sta4YF@iz

译文属可可原创,仅供学习交流使用,未经许可请勿转载

Jd2k9G.e];E&p7D,

重点讲解

Jv1^STpgA!P)g6a

qsnKJto@+*0ND~(a;6

1.investment options 理财选择

LR!G|rJ#+]Xg&m(b

Under such circumstances, a great many investment options disappear, perhaps for decades.
在这种情况下,很多投资选择在几十年的时间里消失了^O&;4BRlX02yryFr)^

v%#OYB3Uf)=;+o7

YU4B(|SnF,ntbw

2.went over one's head 无法理解

1)3[2%xP!;&y&qQ

The lesson today was hard; it went over my head.
今天的功课太难,我理解不了Nj+-%N1!=aKLf-,KrYf

Z!4l[SkP;prfjOg-_[M6

7dVRJNVSM3RZUu@O-a

3.mutual funds 共同基金

OMc;E(|PPt19@;O(^!1

In the past year have you personally invested in mutual funds?
在过去的一年您曾亲自投资共同基金吗?

KU*odwbHbwSBHR~

nPWSniR4dE

4.higher-risk investments 高风险投资

AyB@(!a*(z

Last year he started branching out into higher-risk investments.
去年他开始投资高风险行业a8P0_OecJ8F

UVanv5V*r+|d=(OE*jc

D)zoxFV[S=.B4ni)GEfPkCP2W_h4PH*4c#oc1arYU
分享到