应对市场波动与客户担忧
Responding to Market Volatility & Client Concerns
在市场剧烈波动期间，客户致电财务顾问，表达对其投资组合表现的担忧。顾问安抚客户，解释市场情况，并强调长期策略。
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
👩
Emily
第 1 轮
Hi Michael, thanks for taking my call. I'm a bit worried about my portfolio. I've been seeing a lot of red numbers lately, and it's making me quite nervous.
English
嗨，迈克尔，谢谢你接我的电话。我有点担心我的投资组合。最近我看到很多亏损，这让我很紧张。
中文翻译
👨
Michael
第 2 轮
Of course, Emily. Thanks for reaching out. I completely understand your concern. We're definitely in a period of heightened market volatility right now. It's natural to feel a bit uneasy when you see your investments fluctuate.
English
当然，艾米丽。谢谢你联系我。我完全理解你的担忧。我们现在确实处于市场高度波动的时期。看到你的投资波动时感到不安是很自然的。
中文翻译
👩
Emily
第 3 轮
It just seems like a really big drop. Is there something specific happening that's causing this? And should I be considering making any changes to my investments?
English
这看起来像是一个很大的跌幅。有什么具体的原因导致这种情况吗？我应该考虑对我的投资做出任何改变吗？
中文翻译
👨
Michael
第 4 轮
You're right, it feels significant. We're seeing a combination of factors at play – inflation concerns, interest rate hikes, and geopolitical tensions are all contributing to the current market sentiment. Regarding changes, my advice right now is to stay calm and resist the urge to make impulsive decisions.
English
你说得对，这感觉很明显。我们看到多种因素共同作用——通货膨胀担忧、利率上调和地缘政治紧张局势都在影响当前的市场情绪。至于调整，我现在的建议是保持冷静，抵制冲动决策的冲动。
中文翻译
👩
Emily
第 5 轮
So, you don't think I should sell anything? I'm just worried about further losses.
English
所以，你认为我不应该卖掉任何东西？我只是担心进一步的损失。
中文翻译
👨
Michael
第 6 轮
Historically, selling during a downturn often locks in losses and causes investors to miss the subsequent recovery. Remember, our strategy has always been focused on your long-term goals. Your portfolio is diversified precisely to weather these kinds of fluctuations. It's designed to absorb short-term shocks.
English
从历史上看，在市场低迷时期抛售往往会锁定损失，并导致投资者错过随后的复苏。请记住，我们的策略始终专注于你的长期目标。你的投资组合经过多元化配置，正是为了抵御这类波动。它旨在吸收短期冲击。
中文翻译
👩
Emily
第 7 轮
That's true. I guess I just needed to hear that again. It's hard not to panic when you see the numbers go down.
English
的确如此。我想我只是需要再听一遍。当看到数字下降时，很难不恐慌。
中文翻译
👨
Michael
第 8 轮
Completely understandable, Emily. Think of this as a temporary dip, not a permanent setback. We've built your portfolio with a long-term horizon in mind, and these short-term movements, while uncomfortable, are a normal part of the investment cycle. The key is to stick to our plan.
English
完全可以理解，艾米丽。把这看作是暂时的下跌，而不是永久的挫折。我们是为你着眼于长期目标而建立的投资组合，这些短期波动虽然令人不适，却是投资周期的正常部分。关键在于坚持我们的计划。
中文翻译
👩
Emily
第 9 轮
Okay, that makes a lot more sense now. Thanks, Michael. Feeling a lot better after talking to you.
English
好的，现在清楚多了。谢谢你，迈克尔。和你聊完感觉好多了。
中文翻译
👨
Michael
第 10 轮
Anytime, Emily. That's what I'm here for. Let's schedule a full portfolio review next month, and we can go over everything in more detail then. But for now, just try to keep the long view.
English
随时都可以，艾米丽。这就是我的职责。我们下个月安排一次全面的投资组合审查，届时我们可以更详细地讨论所有内容。但目前，请尽量保持长远眼光。
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 financial investments like stocks and bonds that a person owns.
中文解释
一个人拥有的金融投资集合，如股票和债券。
volatility
波动性
The degree of variation in trading prices over time; it means the market is unstable and changing quickly.
中文解释
时间推移中交易价格的变动程度；意味着市场不稳定且快速变化。
fluctuate
波动
To change frequently and irregularly, often used for prices or values going up and down.
中文解释
频繁且不规则地变化，通常用于价格或价值上下波动。
inflation
通货膨胀
A general increase in prices and fall in the purchasing value of money over time.
中文解释
随着时间的推移，价格总体上涨和货币购买力价值的下降。
diversified
多样化的
Spread out investments across different types to reduce risk; it helps protect against losses in one area.
中文解释
将投资分散到不同类型以降低风险；这有助于防止一个领域的损失。
downturn
衰退
A decline or drop in economic activity or market performance.
中文解释
经济活动或市场表现的下降或下跌。
impulsive
冲动的
Acting suddenly without careful thought, often leading to regrets.
中文解释
突然行动而不经仔细思考，往往导致后悔。
horizon
horizon
In investing, it refers to the time period over which an investment is made or held, like long-term horizon.
中文解释
在投资中，它指的是投资做出或持有的时间段，例如长期 horizon。
重点句型
"I'm a bit worried about my portfolio."
"我有点担心我的投资组合。"
重点句型
语法解析
This sentence expresses concern using 'a bit worried' for mild anxiety. It's useful for politely sharing financial worries in conversations; the structure 'be worried about something' is common for describing emotions.
中文解析
这个句子使用 'a bit worried' 来表达轻微的焦虑。它在对话中礼貌地分享财务担忧时很有用；'be worried about something' 的结构在描述情绪时很常见。
"We're definitely in a period of heightened market volatility right now."
"我们现在肯定正处于市场波动性加剧的时期。"
重点句型
语法解析
This explains a current situation with 'definitely' for emphasis and 'heightened' meaning increased. Useful for describing market conditions professionally; note the present continuous 'are in' for ongoing states.
中文解析
这解释了当前情况，使用“definitely”来强调，“heightened”意为增加。用于专业描述市场状况很有用；注意现在进行时“are in”用于表示持续状态。
"It's natural to feel a bit uneasy when you see your investments fluctuate."
"看到您的投资波动时感到有点不安是很自然的。"
重点句型
语法解析
This reassures by normalizing feelings with 'it's natural to' clause. Great for comforting others; 'when' introduces a time clause, and 'fluctuate' shows verb usage for changes.
中文解析
这通过使用'it's natural to'从句来正常化情感，从而提供安慰。非常适合安慰他人；'when'引入时间从句，而'fluctuate'展示了表示变化的动词用法。
"My advice right now is to stay calm and resist the urge to make impulsive decisions."
"我现在的建议是保持冷静，抵抗做出冲动决定的冲动。"
重点句型
语法解析
Gives advice using 'my advice is to' infinitive structure. Practical for advisory talks; 'resist the urge' is an idiom for fighting a sudden desire, helpful in decision-making contexts.
中文解析
使用 'my advice is to' 不定式结构给出建议。适用于咨询谈话；'resist the urge' 是抵抗突然欲望的习语，有助于决策情境。
"Your portfolio is diversified precisely to weather these kinds of fluctuations."
"您的投资组合正是为了经受住这类波动而进行多样化的。"
重点句型
语法解析
Explains purpose with 'to' infinitive after 'precisely' for emphasis. Useful for investment discussions; 'weather' here means to endure, a common metaphorical use.
中文解析
使用'precisely'后跟'to'不定式来解释目的，以强调。适用于投资讨论；这里的'weather'意为忍受，一种常见的隐喻用法。
"Think of this as a temporary dip, not a permanent setback."
"把这视为暂时的低谷，而不是永久的挫败。"
重点句型
语法解析
Encourages positive reframing with imperative 'think of...as'. Valuable for mindset shifts in tough times; contrasts 'temporary' vs. 'permanent' to highlight short-term nature.
中文解析
使用祈使句 'think of...as' 鼓励积极重构。在艰难时期有助于心态转变；对比 'temporary' 与 'permanent' 以突出短期性质。
"The key is to stick to our plan."
"关键是要坚持我们的计划。"
重点句型
语法解析
Emphasizes importance with 'the key is to' infinitive. Essential for motivation in long-term strategies; simple cleft sentence structure focuses on the main idea.
中文解析
使用 'the key is to' 不定式强调重要性。在长期策略中对动机至关重要；简单的分裂句结构聚焦于主要想法。
"Feeling a lot better after talking to you."
"和你聊过之后，感觉好多了。"
重点句型
语法解析
Expresses relief using present continuous 'feeling' for current state. Common in conversations to show appreciation; gerund after preposition 'after' shows sequence.
中文解析
使用现在进行时“feeling”表达当前的缓解状态。在对话中常见，用于表示感激；介词“after”后的动名词表示顺序。