Market Volatility Discussion
Due to significant market fluctuations, a client calls their financial advisor to express concerns, ask for reassurance, and inquire about strategies to manage risks during unstable periods.
由于市场剧烈波动，客户致电财务顾问表达担忧、寻求安抚，并询问在不稳定时期管理风险的策略。
对话
聆听并跟进对话
词汇
对话中的必备词汇和短语
volatility
A sudden change in prices or values, often used in finance to describe unstable markets.
价格或价值的突然变化，常用于金融领域描述不稳定的市场。
portfolio
A collection of investments like stocks and bonds owned by a person or group.
一个人或团体拥有的股票和债券等投资集合。
fluctuations
Small changes or ups and downs in prices or values over time.
价格或价值随时间产生的微小变化或起伏。
asset allocation
The process of dividing investments among different types of assets to balance risk and reward.
将投资分配到不同类型的资产中以平衡风险和回报的过程。
rebalancing
Adjusting a portfolio back to its original mix of investments after market changes.
在市场变化后，将投资组合调整回其原始的投资组合。
diversification
Spreading investments across various assets to reduce risk.
将投资分散到各种资产以降低风险。
risk tolerance
The level of risk a person is willing to accept in their investments.
个人在投资中愿意接受的风险水平。
knee-jerk reaction
An immediate, impulsive response without thinking, often used negatively.
一种不经思考的即时、冲动回应，通常带有负面含义。
关键句型
需要记住和练习的重要短语
I'm a bit concerned about the recent market volatility.
This sentence expresses worry politely using 'a bit concerned' to soften the statement. It's useful for starting discussions about problems without sounding too alarmed. The present continuous 'recent market volatility' describes ongoing issues.
这句话使用 'a bit concerned' 礼貌地表达担忧，以缓和陈述。它在开始讨论问题时很有用，而不会听起来太惊慌。现在进行时 'recent market volatility' 描述了正在进行的问题。
It's completely understandable to feel that way.
This shows empathy and reassurance. 'Completely understandable' means it's normal to feel this. Use it in conversations to validate someone's emotions, especially in advisory situations. The structure uses 'to feel that way' as an infinitive clause.
这显示了共情和安慰。'Completely understandable' 意思是感到这样是正常的。在对话中使用它来验证某人的情绪，尤其是在咨询情况下。结构使用 'to feel that way' 作为不定式从句。
My advice at this point is to avoid any knee-jerk reactions.
This gives professional advice calmly. 'At this point' means currently, and 'knee-jerk reactions' refers to hasty actions. It's practical for giving suggestions in stressful times. The imperative 'to avoid' follows 'is to' for recommending actions.
这是一种平静地给出专业建议的方式。“At this point”表示当前，“knee-jerk reactions”指的是仓促的行动。在压力大的时候给出建议很实用。“to avoid”作为祈使句跟在“is to”之后，用于推荐行动。
We need to re-evaluate our asset allocation to ensure it still aligns with your risk tolerance.
This proposes a plan using 'need to' for necessity and 'to ensure' for purpose. It's useful in business talks to suggest reviews. 'Aligns with' means matches, showing how investments fit personal comfort levels.
这提出了一个计划，使用“need to”表示必要性，“to ensure”表示目的。在商业讨论中用于建议审查很有用。“Aligns with”意思是匹配，显示投资如何适合个人舒适水平。
What specific strategies can we employ to manage risks during such unstable periods?
This asks for details politely with 'what specific strategies' and 'can we employ' (meaning use). The infinitive 'to manage risks' explains purpose. Use it when seeking advice on handling challenges, like in financial or work discussions.
这以“what specific strategies”和“can we employ”（意为使用）礼貌地询问细节。不定式“to manage risks”解释了目的。在寻求处理挑战的建议时使用，例如在财务或工作讨论中。
Your current diversification is robust.
This provides positive feedback. 'Robust' means strong and reliable. It's helpful for reassuring others about their plans. The structure is subject + be + adjective for simple descriptions.
这提供了积极的反馈。'Robust' 意味着强大且可靠。它有助于让他人对他们的计划感到放心。结构是主语 + be + 形容词，用于简单的描述。
I feel a bit better having talked this through with you.
This expresses relief using the gerund 'having talked' (after 'feel better'). 'Talked this through' means discussed in detail. Use it to end conversations positively, showing appreciation after advice.
这使用动名词 'having talked'（在 'feel better' 之后）来表达解脱之意。'Talked this through' 意思是详细讨论。用它来积极结束对话，在获得建议后表达感激。