My company offers a 401(k) plan. Do you think I should have one?
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 。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） 。
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 。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 。
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 。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 。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 。
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 。我分不清定期存单与债券 。
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 。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 。
My head hurts. Are you sure I really need all of these investments?
Not all of them, but it would be smart to invest your money in something.
Not if I spend it all first, right?
Right. You know what they say: “A fool and his money are soon parted!”
1.investment options 理财选择
Under such circumstances, a great many investment options disappear, perhaps for decades.
2.went over one's head 无法理解
The lesson today was hard; it went over my head.
3.mutual funds 共同基金
In the past year have you personally invested in mutual funds?
4.higher-risk investments 高风险投资
Last year he started branching out into higher-risk investments.