Portfolio Review & Adjustment

投资组合审查与调整

An existing client has a regular meeting with their advisor to review the performance of their current investment portfolio and discuss potential adjustments based on market changes or personal life events.

老客户与顾问定期会面，审查当前投资组合的表现，并根据市场变化或个人生活事件讨论潜在的调整。

对话

聆听并跟进对话

Financial Advisor (Male)

Good morning, Ms. Chen. Thanks for coming in. Let's take a look at your portfolio's performance since our last review.

早上好，陈女士。谢谢您的光临。我们来看看您上次审查以来投资组合的表现吧。

Client (Female)

Good morning, Andrew. I'm keen to see the numbers. I've been a bit worried about the market volatility lately.

早上好，安德鲁。我很想看看数据。我最近有点担心市场波动。" 区别在于： - **市场波动 (Market volatility)**：指市场价格变化的速度和幅度，即价格的剧烈波动性。它更多地描述市场状态本身。 - **市场动荡 (Market turmoil/unrest)**：通常指市场出现混乱、不稳定、信心不足甚至恐慌的状态，往往伴随着较大幅度的下跌或异常波动。它带有更强的负面和不安的含义。在这个语境中，“市场波动”更贴切，因为它描述的是一种持续存在但程度可能变化的特点。如果说“市场动荡”，似乎意味着当前市场正经历非常严重的危机。如果中文表达的是偏向“最近市场动荡让我有些担忧”那种意思，可以用“I've been a bit worried about the recent market turmoil/unrest.”但鉴于她只是说“市场波动”，"market volatility

Financial Advisor (Male)

Understood. Overall, your portfolio has shown resilience, outperforming the benchmark slightly despite the recent dips. Your diversified approach has really paid off.

了解。总的来说，您的投资组合表现出了韧性，尽管近期有所下跌，但仍略微跑赢了基准。您的多元化策略确实起到了作用。

Client (Female)

That's good to hear. I'm glad we stuck with the plan. Are there any particular assets that are pulling their weight more than others?

听到这个消息真好。很高兴我们坚持了计划。有没有什么特定资产的表现比其他资产更好？

Financial Advisor (Male)

Absolutely. Your allocation to defensive sectors like utilities and consumer staples has provided stability. However, we might want to rebalance a bit to capitalize on emerging opportunities.

当然。您在公用事业和必选消费品等防御性行业的配置提供了稳定性。不过，我们可能需要稍作调整，以抓住新兴机遇。

Client (Female)

Rebalance, you say? What exactly are you thinking? I'm open to suggestions, especially if it means better long-term growth.

您说要调整？您具体有什么想法？我很乐意听取建议，尤其是如果这意味着更好的长期增长的话。

Financial Advisor (Male)

I'm looking at increasing your exposure to certain technology sectors and perhaps a small allocation to green energy, given the current macro trends. It would slightly increase your risk profile, but the upside potential is significant.

考虑到当前的宏观趋势，我正在考虑增加您在某些科技行业的敞口，或许再分配一小部分到绿色能源。这会略微增加您的风险，但潜在的上行空间是巨大的。

Client (Female)

Green energy sounds interesting. How does this align with my long-term goals, particularly my retirement planning target for five years from now?

绿色能源听起来很有趣。这与我的长期目标，尤其是五年后的退休计划目标，是如何保持一致的？

Financial Advisor (Male)

That's a great question. We'd maintain a core of stable assets for your retirement horizon. The proposed adjustments are more to enhance growth within the portion of your portfolio that can tolerate higher risk, aiming for that accelerated capital appreciation.

问得好。我们会为您的退休目标保留核心的稳定资产。提议的调整更多是为了在您投资组合中能够承受更高风险的部分增强增长，旨在加速资本增值。

Client (Female)

Alright, that makes sense. Let's explore the specifics for those allocations then. Can you show me some projections?

好的，这说得通。那我们来探讨一下这些配置的具体细节吧。你能给我看看一些预测吗？

词汇

对话中的必备词汇和短语

portfolio

A collection of investments like stocks and bonds owned by a person or organization. In this dialogue, it refers to the client's investments.

个人或组织拥有的投资集合，如股票和债券。在本对话中，它指的是客户的投资。

volatility

The degree of variation in trading prices over time, often meaning unpredictable changes in the market. Here, it's used to express worry about unstable market conditions.

时间推移中交易价格的变动程度，通常指市场不可预测的变化。在此，用于表达对不稳定市场状况的担忧。

resilience

The ability to recover quickly from difficulties. In finance, it means the portfolio holds up well during market dips.

从困难中快速恢复的能力。在金融中，它意味着投资组合在市场下跌期间表现良好。

benchmark

A standard or point of reference against which things are compared. In investing, it's often an index like the S&P 500 to measure performance.

一种标准或比较的参考点。在投资中，它通常是一个像S&P 500这样的指数，用于衡量绩效。

diversified

Spread out across different types of investments to reduce risk. This strategy is praised in the dialogue for helping the portfolio perform well.

分散在不同类型的投资中以降低风险。此策略在对话中被赞扬，因为它帮助投资组合表现良好。

rebalance

To adjust the proportions of assets in a portfolio to maintain the desired level of risk and return. It's suggested here to take advantage of new opportunities.

调整投资组合中资产的比例，以维持所需的風險和回報水平。这里建议利用新的機會。

allocation

The distribution of investments among different assets or sectors. In the dialogue, it refers to how much is invested in areas like utilities.

投资在不同资产或部门之间的分配。在对话中，它指的是像公用事业这样的领域投资多少。

exposure

The extent to which an investment portfolio is affected by changes in a particular market or sector. Increasing exposure means investing more in that area.

投资组合受特定市场或行业变化影响的程度。增加敞口意味着在该领域投资更多。

关键句型

需要记住和练习的重要短语

Let's take a look at your portfolio's performance since our last review.

This is a polite way to start a meeting by suggesting to review something. Use it in professional discussions to transition into analyzing data. 'Take a look at' is an idiomatic expression meaning to examine.

这是通过建议审查某物来礼貌地开始会议的一种方式。在专业讨论中使用它来过渡到分析数据。“Take a look at”是一个意为检查的习语表达。

I've been a bit worried about the market volatility lately.

Expresses mild concern about recent events. 'I've been + adjective' shows ongoing feelings. Useful for sharing worries in conversations without sounding too alarmed; 'lately' means recently.

表达对最近事件的轻微担忧。'I've been + 形容词' 表示持续的情感。有助于在对话中分享担忧而不听起来太惊慌；'lately' 意思是最近。

Your portfolio has shown resilience, outperforming the benchmark slightly despite the recent dips.

This sentence reports positive results with contrasts. 'Despite' introduces opposition (good performance even with drops). 'Outperforming' means doing better than. Great for business updates to highlight strengths.

这个句子报告了带有对比的积极结果。'Despite'引入了对立（即使有下跌，也取得了良好表现）。'Outperforming'意味着比...更好。非常适合商业更新中突出优势。

Are there any particular assets that are pulling their weight more than others?

Inquires about specific strong performers. 'Pulling their weight' is an idiom meaning contributing fully. Use in reviews to ask for details on what's working well; 'particular' specifies focus.

询问特定强力表现者。'Pulling their weight' 是指充分贡献的习语。在审查中使用，以询问什么运作良好的细节；'particular' 指定焦点。

We might want to rebalance a bit to capitalize on emerging opportunities.

Suggests a small change for benefits. 'Might want to' softens the suggestion. 'Capitalize on' means to take advantage of. Useful in advisory talks to propose adjustments politely.

建议为利益进行小幅调整。'Might want to' 使建议更柔和。'Capitalize on' 意为抓住机会。在咨询谈话中，用于礼貌地提出调整。

I'm open to suggestions, especially if it means better long-term growth.

Shows willingness to consider ideas with conditions. 'Open to' means receptive. 'Especially if' adds emphasis. Ideal for client-advisor interactions to express flexibility while stating priorities.

显示出在条件下的考虑想法的意愿。“Open to”意为接受。“Especially if”添加强调。适用于客户-顾问互动，以表达灵活性同时陈述优先事项。

It would slightly increase your risk profile, but the upside potential is significant.

Balances risks and rewards. 'Would + verb' is conditional for hypotheticals. 'Upside potential' means possible gains. Use in financial advice to explain trade-offs clearly.

平衡风险和回报。'Would + 动词' 是条件式，用于假设情况。'Upside potential' 意为可能的收益。在财务建议中使用，以清楚解释权衡。

Can you show me some projections?

Requests future estimates. 'Show me' is direct but polite in context. Projections mean forecasts. Practical for meetings when needing data visualizations or predictions.

请求未来的估算。'Show me'在上下文中直接但礼貌。Projections 意为预测。在需要数据可视化或预测的会议中实用。