退休/重大购置规划
Planning for Retirement/Major Purchase
客户专门会面讨论以实现特定重大财务目标为重点的长期投资策略，例如退休规划、购房或教育资金。
对话轮次
10
预计时长
5 分钟
场景
投资理财
完整对话内容
以下是该情境的完整英语对话，包含中英文对照和重点解析
👨
Financial Advisor
第 1 轮
Welcome, Mr. Lee. Thanks for coming in today. How can I assist you with your financial goals?
English
欢迎，李先生。感谢您今天前来。我能如何协助您实现财务目标？
中文翻译
👩
Client
第 2 轮
Thanks, Andrew. I'm here to talk about retirement planning. My wife and I are thinking of retiring in about 15 years, and we want to make sure we're on track.
English
谢谢，安德鲁。我来是想聊聊退休规划。我妻子和我都计划在大约15年后退休，我们想确保我们的进展顺利。
中文翻译
👨
Financial Advisor
第 3 轮
Fifteen years is a great timeline to work with. It gives us ample opportunity to build a robust portfolio. Have you given any thought to what kind of lifestyle you envision in retirement?
English
十五年是一个很好的时间线。它给了我们充足的机会来建立一个稳健的投资组合。您有没有想过退休后希望过什么样的生活方式？
中文翻译
👩
Client
第 4 轮
We'd like to travel quite a bit, maybe spend winters somewhere warm. And we definitely want to be comfortable without having to worry constantly about money. What sort of return on investment should we be aiming for?
English
我们希望能多去旅行，也许在温暖的地方过冬。而且我们肯定希望过得舒适，不用一直担心钱。我们应该以什么样的投资回报率为目标？
中文翻译
👨
Financial Advisor
第 5 轮
Based on that, we'll need to project your future expenses and inflation. For a 15-year horizon, we can explore a balanced portfolio with a mix of equities and fixed income. Historically, a diversified portfolio can aim for an average annual return of 6-8%, but that always comes with market risks, of course.
English
基于此，我们需要预测您未来的开支和通货膨胀。对于15年的跨度，我们可以探索一个股票和固定收益混合的平衡投资组合。从历史上看，多元化的投资组合可以争取年均6-8%的回报率，但这当然总是伴随着市场风险。
中文翻译
👩
Client
第 6 轮
That sounds reasonable. What about risk tolerance? We're not looking to take huge risks, but we understand some risk is necessary for growth.
English
这听起来合理。那风险承受能力呢？我们不想冒巨大的风险，但我们也明白为了增长，一些风险是必要的。
中文翻译
👨
Financial Advisor
第 7 轮
Exactly. Given your timeline, a moderate risk profile would be appropriate. We can allocate a larger portion to growth-oriented assets now and gradually shift towards more conservative holdings as you approach retirement. This is often called 'glide path' investing.
English
没错。考虑到您的时间线，适度的风险偏好是合适的。我们现在可以分配更大一部分资金给增长型资产，并随着您临近退休逐渐转向更保守的持仓。这通常被称为“滑行路径”投资。
中文翻译
👩
Client
第 8 轮
Glide path, I like that term. It sounds very strategic. So, what are the next steps? Should we look into specific investment vehicles?
English
滑行路径，我喜欢这个词。听起来很有策略性。那么，下一步是什么？我们是否应该研究具体的投资工具？
中文翻译
👨
Financial Advisor
第 9 轮
Absolutely. I'll prepare a detailed proposal that outlines different investment options, including diversified mutual funds, ETFs, and potentially some individual stocks if you're comfortable. We'll also factor in tax efficiency. I'll send it over next week, and we can schedule another meeting to review it.
English
当然。我将准备一份详细的提案，概述不同的投资选择，包括多元化的共同基金、交易所交易基金（ETFs），如果您觉得合适的话，可能还有一些个股。我们还会考虑税务效率。我下周会发送给您，然后我们可以安排另一次会议来复核。
中文翻译
👩
Client
第 10 轮
That sounds perfect, Andrew. Thank you for clarifying everything. This initial discussion has been very helpful.
English
听起来很完美，安德鲁。谢谢你把一切都解释清楚。这次初步讨论非常有帮助。
中文翻译
🎯
对话学习完成
结合右侧的词汇和句型解析，加深理解和记忆
重点词汇
retirement planning
退休规划
The process of saving and investing money to have enough funds for life after stopping work. Use this phrase when discussing future financial security.
中文解释
储蓄和投资金钱的过程，以在停止工作后有足够的资金维持生活。在讨论未来的财务安全时使用这个短语。
portfolio
投资组合
A collection of investments like stocks and bonds owned by a person or group. It's key in finance talks to refer to someone's overall investments.
中文解释
个人或团体拥有的投资集合，如股票和债券。在金融讨论中，指某人的整体投资至关重要。
robust
稳健
Strong and healthy, often used for investments meaning reliable and able to withstand challenges. Say it to describe a solid financial plan.
中文解释
强壮而健康，常用于投资，表示可靠且能承受挑战。用来描述一个坚实的财务计划。
return on investment
投资回报率
The profit or gain from an investment, usually as a percentage. Commonly abbreviated as ROI; ask about it when evaluating investment options.
中文解释
投资的利润或收益，通常以百分比表示。通常缩写为ROI；在评估投资选项时，请询问此事。
inflation
通货膨胀
The rise in prices over time, reducing the value of money. Important in long-term planning; mention it when talking about future costs.
中文解释
随着时间推移价格上涨，降低货币价值。在长期规划中重要；在谈论未来成本时提到它。
equities
股票
Another term for stocks or shares in companies. Use in discussions about higher-risk, growth-focused investments.
中文解释
公司股票或股份的另一个术语。在讨论高风险、增长导向的投资时使用。
fixed income
固定收益
Investments like bonds that provide regular, predictable payments. Ideal for conservative investors seeking stability.
中文解释
提供定期、可预测付款的投资，如债券。适合寻求稳定的保守型投资者。
diversified
多元化的
Spread out across different types of investments to reduce risk. A must-know for balanced portfolio advice.
中文解释
分散在不同类型的投资中以降低风险。平衡投资组合建议的必备知识。
risk tolerance
风险承受能力
How much financial risk a person is willing to take. Discuss it when assessing personal comfort with market ups and downs.
中文解释
一个人愿意承担多少财务风险。在评估个人对市场波动舒适度时讨论它。
glide path
滑翔路径
A strategy where investments become more conservative over time, like as retirement approaches. Use in talks about gradual risk reduction.
中文解释
一种随着时间推移投资变得越来越保守的策略，例如接近退休时。用于讨论逐步降低风险。
mutual funds
共同基金
Pooled investments managed by professionals, spreading money across many assets. Common for beginners in investing.
中文解释
由专业人士管理的集合投资，将资金分散到多个资产中。投资新手常用。
ETFs
ETFs
Exchange-Traded Funds, which are like mutual funds but traded on stock exchanges. Explain as low-cost, flexible investment options.
中文解释
交易所交易基金（Exchange-Traded Funds），类似于共同基金，但可在证券交易所交易。将其解释为低成本、灵活的投资选项。
tax efficiency
税收效率
Ways to minimize taxes on investments. Mention when planning to keep more returns.
中文解释
最小化投资税费的方法。在计划保留更多回报时提及。
重点句型
"How can I assist you with your financial goals?"
"我如何能帮助您实现财务目标？"
重点句型
语法解析
This is a polite opening question in professional service dialogues. It uses 'assist' for help and 'financial goals' for money objectives. Useful for advisors or consultants starting a meeting; shows customer focus.
中文解析
这是一个在专业服务对话中礼貌的开场问题。它使用 'assist' 表示帮助，'financial goals' 表示财务目标。对于开始会议的顾问或咨询师很有用；显示客户焦点。
"I'm here to talk about retirement planning."
"我是来谈退休规划的。"
重点句型
语法解析
A clear way to state the purpose of a visit. 'Here to talk about' is a natural phrase for meetings. Intermediate learners can use this to introduce topics in business or personal discussions.
中文解析
一种明确陈述访问目的的方式。'来谈...' 是会议中自然的表达。中级学习者可以用它在商业或个人讨论中引入话题。
"It gives us ample opportunity to build a robust portfolio."
"这为我们提供了充足的机会来构建一个强大的投资组合。"
重点句型
语法解析
'Ample opportunity' means plenty of time; 'build a robust portfolio' describes creating a strong investment collection. This sentence shows future planning language; use it to explain timelines in finance.
中文解析
‘Ample opportunity’ 意思是充足的时间；‘build a robust portfolio’ 描述创建强大的投资集合。这个句子展示了未来的规划语言；用它来解释金融中的时间线。
"What sort of return on investment should we be aiming for?"
"我们应该瞄准什么样的投资回报？"
重点句型
语法解析
Questions expectations politely with 'what sort of' (meaning 'what kind of'). 'Aiming for' means targeting. Great for clients seeking advice on goals; practices conditional questions.
中文解析
用'what sort of'（意为'what kind of'）礼貌地质疑期望。'Aiming for'意为针对。适合寻求目标建议的客户；练习条件问题。
"We can explore a balanced portfolio with a mix of equities and fixed income."
"我们可以探索一个平衡的投资组合，其中混合了股票和固定收益。"
重点句型
语法解析
'Explore' suggests investigating options; 'a mix of' shows combination. This demonstrates suggesting strategies. Useful in advisory talks; note the prepositions for describing blends.
中文解析
“Explore”暗示调查选项；“a mix of”显示组合。这展示了建议策略。在咨询谈话中很有用；注意描述混合的前置词。
"Historically, a diversified portfolio can aim for an average annual return of 6-8%."
"历史上，多元化投资组合可以目标平均年回报率为6-8%。"
重点句型
语法解析
'Historically' refers to past data; 'average annual return' is a key finance phrase. This explains expectations based on evidence. Use in reports or advice to sound professional.
中文解析
“Historically”指的是过去数据；“average annual return”是金融关键短语。这解释了基于证据的期望。在报告或建议中使用以听起来专业。
"We're not looking to take huge risks, but we understand some risk is necessary for growth."
"我们不打算承担巨大的风险，但我们明白一些风险对于成长是必要的。"
重点句型
语法解析
Balances views with 'not... but' contrast. 'Take risks' and 'necessary for' are common in decision-making. Ideal for expressing balanced opinions in negotiations or planning.
中文解析
使用 'not... but' 对比平衡观点。'Take risks' 和 'necessary for' 在决策中常见。适合在谈判或规划中表达平衡意见。
"We can allocate a larger portion to growth-oriented assets now."
"我们现在可以将更大的部分分配给增长导向的资产。"
重点句型
语法解析
'Allocate' means distribute; 'a larger portion' specifies amount; 'growth-oriented' describes focus. Shows strategy in action. Use in budgeting or investment plans; practices comparative adjectives.
中文解析
“Allocate”意为分配；“a larger portion”指定数量；“growth-oriented”描述焦点。显示策略在行动中。在预算或投资计划中使用；练习比较形容词。
"I'll prepare a detailed proposal that outlines different investment options."
"我将准备一份详细的提案，概述不同的投资选项。"
重点句型
语法解析
'Prepare a proposal' is formal for plans; 'outlines' means summarizes. This is a follow-up sentence in meetings. Helpful for promising actions; note relative clause 'that outlines'.
中文解析
“Prepare a proposal”是计划的正式表达；“outlines”意为总结。这是会议中的跟进句子。有助于承诺行动；注意关系从句“that outlines”。
"This initial discussion has been very helpful."
"这次初步讨论非常有帮助。"
重点句型
语法解析
'Initial discussion' means first talk; 'has been' is present perfect for recent experiences. A polite closing. Use at end of meetings to express thanks and positivity.
中文解析
‘Initial discussion’意为首次谈话；‘has been’是现在完成时，用于最近的经历。礼貌的结束语。在会议结束时使用，以表达感谢和积极态度。