投资组合绩效审查与调整
Portfolio Performance Review & Adjustment
财务顾问对客户的投资组合表现进行定期审查。他们讨论市场趋势、特定资产表现，并根据市场状况或客户不断变化的生活状况推荐再平衡或战略调整。
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
Good morning, Emily. Thanks for coming in. I've prepared a comprehensive review of your portfolio's performance over the past six months.
English
早上好，艾米丽。谢谢您的到来。我已经准备好您过去六个月投资组合表现的全面回顾。
中文翻译
👩
Emily
第 2 轮
Good morning, John. Perfect, I'm keen to see how things are looking. The market's been a bit unpredictable lately, so I'm curious about the impact.
English
早上好，约翰。太好了，我正想看看情况怎么样。最近市场有点不可预测，所以我很好奇影响如何。
中文翻译
👨
John
第 3 轮
Indeed. Overall, the portfolio has performed well, exceeding its benchmark despite the volatility. Your tech holdings, in particular, have seen significant gains.
English
确实如此。总的来说，尽管市场波动，您的投资组合表现良好，超过了基准。特别是您的科技股持仓，收益显著。
中文翻译
👩
Emily
第 4 轮
That's excellent news! I was a bit worried about the recent tech sell-off. What about the other segments, like my bond allocation?
English
真是个好消息！我之前有点担心最近的科技股抛售。那其他部分呢，比如我的债券配置？
中文翻译
👨
John
第 5 轮
Your bond allocation has provided the stability we intended, acting as a nice counterbalance. However, looking ahead, I'd suggest we consider a slight rebalancing.
English
您的债券配置提供了我们预期的稳定性，起到了很好的平衡作用。然而，展望未来，我建议我们考虑进行一些轻微的再平衡。
中文翻译
👩
Emily
第 6 轮
Rebalancing? What's your rationale behind that? Are you thinking of adjusting our exposure to any particular sector?
English
再平衡？您这样做的理由是什么？您是想调整我们对某个特定行业的敞口吗？
中文翻译
👨
John
第 7 轮
Exactly. Given your current stage of life and your long-term goals, I think we should trim some of the excess gains from tech and allocate a portion to a more defensive sector, perhaps healthcare, to lock in profits and reduce overall risk. This aligns with your updated risk tolerance, too.
English
正是如此。考虑到您目前的人生阶段和长期目标，我认为我们应该削减一些科技股的超额收益，并将一部分配置到更具防御性的行业，比如医疗保健，以锁定利润并降低整体风险。这也符合您更新的风险承受能力。
中文翻译
👩
Emily
第 8 轮
That makes sense. It's smart to take some profits off the table, especially with the market's current uncertainties. What kind of timeline are we looking at for this adjustment?
English
这说得通。锁定一些利润是明智的，尤其是在当前市场不确定性增大的情况下。我们预计多久完成这次调整？
中文翻译
👨
John
第 9 轮
We can initiate the trades as early as next week, provided you're comfortable with the proposed changes. I'll send you a detailed proposal outlining the specific adjustments and their rationale.
English
只要您对这些提议的变动感到满意，我们最早下周就可以启动交易。我会给您发送一份详细的提案，概述具体的调整及其理由。
中文翻译
👩
Emily
第 10 轮
Sounds good, John. I appreciate your proactive approach. I'll review the proposal and get back to you by end of day tomorrow. Thanks for the thorough review.
English
听起来不错，约翰。我感谢您的积极主动。我会审阅提案，并在明天结束前答复您。谢谢您详细的审查。
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
portfolio
投资组合
A collection of investments like stocks and bonds owned by a person or group. In financial talks, it refers to your overall investments.
中文解释
由个人或团体拥有的股票和债券等投资的集合。在金融讨论中，指的是您的整体投资。
benchmark
基准
A standard or index used to measure the performance of investments, like a market index to compare against.
中文解释
用于衡量投资绩效的标准或指数，例如用于比较的市场指数。
volatility
波动性
The degree of variation in trading prices over time; it means the market is unstable or fluctuating a lot.
中文解释
交易价格随时间变化的变异程度；它意味着市场不稳定或大幅波动。
rebalancing
再平衡
The process of adjusting the proportions of assets in a portfolio to maintain the desired level of risk or return.
中文解释
调整投资组合中资产比例以维持所需风险或回报水平的过程。
rationale
依据
The reason or logic behind a decision or action; often used in professional discussions to explain why something is suggested.
中文解释
决定或行动背后的原因或逻辑；常用于专业讨论中解释为什么建议某事。
exposure
敞口
The extent to which an investment portfolio is invested in a particular sector or asset; it shows how much risk or involvement there is.
中文解释
投资组合投资于特定部门或资产的程度；它显示了风险或参与的程度。
sector
部门
A specific part of the economy, such as technology or healthcare, where companies are grouped by industry.
中文解释
经济的一个特定部分，例如技术或医疗保健，企业按行业分组。
risk tolerance
风险承受能力
The level of risk an investor is willing to accept; it helps in planning investments based on personal comfort with uncertainty.
中文解释
投资者愿意接受的风险水平；它有助于基于个人对不确定性的舒适度规划投资。
重点句型
"I've prepared a comprehensive review of your portfolio's performance over the past six months."
"我已经准备了对您投资组合过去六个月表现的全面审查。"
重点句型
语法解析
This sentence uses possessive form 'portfolio's' and past perfect 'has performed' implied. It's useful for starting professional meetings by presenting prepared information; say it when sharing reports.
中文解析
这个句子使用了所有格形式'portfolio's'和隐含的过去完成时'has performed'。它有助于通过呈现准备好的信息来开启专业会议；分享报告时说它。
"Overall, the portfolio has performed well, exceeding its benchmark despite the volatility."
"总体而言，该投资组合表现良好，尽管存在波动性，但仍超过了其基准。"
重点句型
语法解析
This shows comparison with 'exceeding' and contrast with 'despite'. Great for summarizing positive results in reviews; use it to highlight success against challenges like market ups and downs.
中文解析
这展示了与 'exceeding' 的比较以及与 'despite' 的对比。在评论中总结积极结果非常棒；用它来突出面对市场波动等挑战的成功。
"I'd suggest we consider a slight rebalancing."
"我建议我们考虑稍作再平衡。"
重点句型
语法解析
Uses conditional 'I'd suggest' for polite recommendations. Practical in advisory talks; employ it when proposing changes without being pushy.
中文解析
使用条件式“I'd suggest”来提出礼貌的建议。在咨询性谈话中实用；当提出变更而不强求时使用它。
"What's your rationale behind that?"
"你那背后的理由是什么？"
重点句型
语法解析
A question using 'what's' for seeking explanation. Useful in discussions to ask for reasons; ask this when you need clarification on someone's idea or plan.
中文解析
一个使用'what's'来寻求解释的问题。在讨论中用于询问理由很有用；当你需要澄清某人的想法或计划时，问这个问题。
"This aligns with your updated risk tolerance, too."
"这也符合您更新的风险承受能力。"
重点句型
语法解析
'Aligns with' means matches or fits; 'too' adds agreement. Helpful for explaining how a suggestion fits personal goals; use in financial advice to show relevance.
中文解析
‘Aligns with’ 意思是匹配或适合；‘too’ 添加同意。有助于解释建议如何适合个人目标；在财务建议中使用以显示相关性。
"I'll review the proposal and get back to you by end of day tomorrow."
"我会审查提案，并在明天结束时回复你。"
重点句型
语法解析
Future tense 'I'll review' and 'get back to you' idiom for responding later. Common in business for committing to follow-up; say it when needing time to decide on documents.
中文解析
未来时态 'I'll review' 和 'get back to you' 是用于稍后回复的习语。在商业中常见，用于承诺跟进；当需要时间决定文件时可以说。