首次投资咨询与目标设定
Initial Investment Consultation & Goal Setting
新客户首次与财务顾问会面，讨论其财务目标、现有资产、风险承受能力和投资经验。顾问收集信息以了解客户需求并设定初步期望。
对话轮次
10
预计时长
5 分钟
场景
财务规划与投资顾问
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
👨
John
第 1 轮
Welcome, Emily. Thanks for coming in today. To start, could you tell me what brings you here and what your main financial goals are at this point?
English
欢迎您，艾米丽。感谢您今天前来。首先，您能告诉我您来这里的目的以及您目前主要的财务目标是什么吗？
中文翻译
👩
Emily
第 2 轮
Hi John. Yes, of course. I'm looking to get a better handle on my investments and also start planning more seriously for retirement. I'm currently in my late 30s and want to make sure I'm on the right track.
English
您好，约翰。好的，当然。我希望更好地管理我的投资，并开始更认真地规划退休生活。我目前30多岁，想确保自己走在正确的轨道上。
中文翻译
👨
John
第 3 轮
That's a very clear objective, thank you. To help me understand your situation better, could you give me a brief overview of your current assets, like savings, existing investments, and any major debts?
English
非常明确的目标，谢谢。为了帮助我更好地了解您的情况，您能简要介绍一下您目前的资产吗，比如储蓄、现有投资和任何主要债务？
中文翻译
👩
Emily
第 4 轮
Sure. I have some money in a high-yield savings account, a 401(k) from my previous job, and a small brokerage account. As for debt, just my mortgage and a car loan. Nothing major beyond that.
English
好的。我有一些钱在高收益储蓄账户里，一个我以前工作的401(k)账户，还有一个小型的证券账户。至于债务，只有房贷和车贷，除此之外没有大笔债务了。
中文翻译
👨
John
第 5 轮
Understood. That gives me a good starting point. Now, let's talk about your investment experience and risk tolerance. Have you invested before, and how comfortable are you with market fluctuations?
English
明白了。这给了我一个很好的起点。现在，我们来谈谈您的投资经验和风险承受能力。您以前投资过吗？您对市场波动的感觉如何？
中文翻译
👩
Emily
第 6 轮
I'd say I have limited experience, mostly just what my employer offered. Regarding risk, I'm generally conservative. I'm open to some risk for growth, but I definitely prefer a more stable approach rather than high-risk, high-reward.
English
我会说我的经验有限，主要是我雇主提供的那些。关于风险，我通常比较保守。我愿意为增长承担一些风险，但我肯定更喜欢稳健的方法，而不是高风险、高回报。
中文翻译
👨
John
第 7 轮
Conservative and stable, got it. That's a crucial piece of information for tailoring a portfolio. Based on what you've shared, my initial thought is we should focus on a diversified portfolio with a mix of growth and income-generating assets, leaning towards lower volatility.
English
保守和稳健，明白了。这是制定投资组合的关键信息。根据您分享的信息，我的初步想法是，我们应该关注一个多元化的投资组合，其中包含增长型和创收型资产，并倾向于较低的波动性。
中文翻译
👩
Emily
第 8 轮
That sounds sensible. What would be the next steps from here?
English
这听起来很合理。接下来我们该怎么做？
中文翻译
👨
John
第 9 轮
I'll put together a detailed proposal for you, outlining different investment options and a projected retirement plan based on our discussion. We can schedule another meeting next week to go over everything in detail and address any questions you might have. How does that sound?
English
我将为您准备一份详细的建议书，根据我们今天的讨论，概述不同的投资选择和一份预期的退休计划。我们下周可以再安排一次会议，详细讨论所有内容并解答您可能有的任何问题。您觉得怎么样？
中文翻译
👩
Emily
第 10 轮
Perfect, that works for me. Thank you, John, for outlining everything so clearly.
English
太好了，对我来说很方便。谢谢你，约翰，把一切都解释得这么清楚。
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
investments
投资
Money put into stocks, bonds, or other assets to grow wealth over time. In financial talks, it means planning how to use your money wisely.
中文解释
投入股票、债券或其他资产的资金，以随着时间增长财富。在金融讨论中，它意味着规划如何明智地使用你的钱。
retirement
退休
The time when you stop working and live on savings or pensions. Planning for it involves saving money for your later years.
中文解释
停止工作并依靠储蓄或养老金生活的时间。为此规划涉及为晚年储蓄资金。
assets
资产
Things you own that have value, like savings, property, or investments. In finance, advisors ask about assets to understand your financial picture.
中文解释
您拥有的有价值的东西，如储蓄、财产或投资。在金融领域，顾问会询问您的资产情况，以了解您的财务状况。
debts
债务
Money you owe to others, such as loans or credit card balances. It's important to list debts when discussing your financial health.
中文解释
你欠他人的钱，例如贷款或信用卡余额。在讨论你的财务健康时，列出债务很重要。
risk tolerance
风险容忍度
How comfortable you are with the chance of losing money in investments. People with low risk tolerance prefer safer options.
中文解释
您对投资中亏损的可能性有多舒适。风险容忍度低的人更喜欢更安全的选项。
conservative
保守的
In investing, it means preferring safe, low-risk choices over risky ones that might bring higher returns. It's a common way to describe cautious financial styles.
中文解释
在投资中，它意味着优先选择安全、低风险的选项，而不是可能带来更高回报的风险选项。这是描述谨慎财务风格的常见方式。
diversified
多样化的
Spreading investments across different types to reduce risk. A diversified portfolio includes a mix of stocks, bonds, and other assets.
中文解释
将投资分散到不同类型以降低风险。多样化投资组合包括股票、债券和其他资产的混合。
portfolio
投资组合
A collection of your investments, like stocks and bonds. Advisors help tailor a portfolio to match your goals and risk level.
中文解释
您的投资集合，如股票和债券。顾问帮助定制投资组合，以匹配您的目标和风险水平。
volatility
波动性
How much prices of investments change up and down. Low volatility means more stable investments, which suit conservative investors.
中文解释
投资价格上下波动的幅度。低波动性意味着更稳定的投资，适合保守型投资者。
proposal
提案
A written plan or suggestion outlining options and recommendations. In finance, an advisor might send a proposal after an initial meeting.
中文解释
一个概述选项和推荐的书面计划或建议。在金融领域，顾问可能在初次会议后发送提案。
重点句型
"Could you tell me what brings you here and what your main financial goals are?"
"您能告诉我您来这里的原因以及您的主要财务目标是什么吗？"
重点句型
语法解析
This is a polite way to start a conversation by asking about someone's purpose and objectives. It's useful in professional meetings to gather information; uses 'could you' for a soft request and 'what brings you' as an idiomatic expression for 'why are you here'.
中文解析
这是通过询问某人的目的和目标来礼貌地开始对话的一种方式。它在专业会议中用于收集信息很有用；使用“could you”作为柔和的请求，以及“what brings you”作为“您为什么在这里”的习语表达。
"I'm looking to get a better handle on my investments."
"我想更好地掌控我的投资。"
重点句型
语法解析
This means wanting to understand and manage investments more effectively. 'Get a better handle on' is an idiom for gaining control or understanding; great for expressing goals in financial discussions.
中文解析
这意味着希望更有效地理解和管理投资。'Get a better handle on' 是一个习语，表示获得控制或理解；在金融讨论中表达目标很合适。
"Could you give me a brief overview of your current assets?"
"您能给我简要概述一下您当前的资产吗？"
重点句型
语法解析
Asks for a short summary of someone's financial possessions. 'Brief overview' means a quick summary; useful for advisors or in business to request key details without overwhelming the speaker.
中文解析
要求对某人财务财产的简短总结。「Brief overview」意为快速总结；对于顾问或商业用途，在不压倒说话者的情况下请求关键细节非常有用。
"I have limited experience, mostly just what my employer offered."
"我的经验有限，主要只是雇主提供的。"
重点句型
语法解析
Describes having little background in something, mainly from work-provided options. 'Limited experience' is a common phrase for beginners; helpful when honestly sharing your knowledge level in consultations.
中文解析
描述在某事上背景很少，主要来自工作提供的选项。'Limited experience' 是新手的常用短语；在咨询中诚实地分享你的知识水平时很有帮助。
"I'm generally conservative regarding risk."
"我对风险通常持保守态度。"
重点句型
语法解析
States a preference for safe choices in uncertain situations. 'Generally' means usually or overall; this sentence shows how to discuss personal comfort with risk in investment talks.
中文解析
表示在不确定情况下偏好安全选择。'Generally' 意味着通常或整体；这句话展示了如何在投资讨论中谈论个人对风险的舒适度。
"We should focus on a diversified portfolio with a mix of growth and income-generating assets."
"我们应该专注于一个多元化的投资组合，包括增长型和产生收入的资产的混合。"
重点句型
语法解析
Suggests concentrating on a varied set of investments for balance. Demonstrates professional advice language; 'focus on' means to prioritize, and it's useful for explaining strategies in finance.
中文解析
建议集中于多样化的投资组合以实现平衡。展示了专业的建议语言；'focus on' 意味着优先考虑，这在解释金融策略时很有用。
"What would be the next steps from here?"
"从这里开始，下一步是什么？"
重点句型
语法解析
Asks about the following actions in a process. This is a practical question to clarify plans after a discussion; simple structure with 'would be' for hypothetical future steps.
中文解析
询问进程中的后续行动。这是一个实用的提问，用于澄清讨论后的计划；使用“would be”来表示假设的未来步骤的简单结构。
"How does that sound?"
"那听起来怎么样？"
重点句型
语法解析
Seeks agreement or feedback on a suggestion. A casual yet professional way to check if a plan is acceptable; very common in meetings to invite response without pressure.
中文解析
寻求对建议的同意或反馈。一种随意却专业的检查计划是否可接受的方式；在会议中非常常见，用于在无压力的情况下邀请回应。