Planning for Retirement/Major Purchase
A client meets specifically to discuss long-term investment strategies focused on achieving a specific large financial goal, such as retirement planning, buying a house, or funding education.
客户专门会面讨论以实现特定重大财务目标为重点的长期投资策略，例如退休规划、购房或教育资金。
对话
聆听并跟进对话
词汇
对话中的必备词汇和短语
retirement planning
The process of saving and investing money to have enough funds for life after stopping work. Use this phrase when discussing future financial security.
储蓄和投资金钱的过程，以在停止工作后有足够的资金维持生活。在讨论未来的财务安全时使用这个短语。
portfolio
A collection of investments like stocks and bonds owned by a person or group. It's key in finance talks to refer to someone's overall investments.
个人或团体拥有的投资集合，如股票和债券。在金融讨论中，指某人的整体投资至关重要。
robust
Strong and healthy, often used for investments meaning reliable and able to withstand challenges. Say it to describe a solid financial plan.
强壮而健康，常用于投资，表示可靠且能承受挑战。用来描述一个坚实的财务计划。
return on investment
The profit or gain from an investment, usually as a percentage. Commonly abbreviated as ROI; ask about it when evaluating investment options.
投资的利润或收益，通常以百分比表示。通常缩写为ROI；在评估投资选项时，请询问此事。
inflation
The rise in prices over time, reducing the value of money. Important in long-term planning; mention it when talking about future costs.
随着时间推移价格上涨，降低货币价值。在长期规划中重要；在谈论未来成本时提到它。
equities
Another term for stocks or shares in companies. Use in discussions about higher-risk, growth-focused investments.
公司股票或股份的另一个术语。在讨论高风险、增长导向的投资时使用。
fixed income
Investments like bonds that provide regular, predictable payments. Ideal for conservative investors seeking stability.
提供定期、可预测付款的投资，如债券。适合寻求稳定的保守型投资者。
diversified
Spread out across different types of investments to reduce risk. A must-know for balanced portfolio advice.
分散在不同类型的投资中以降低风险。平衡投资组合建议的必备知识。
risk tolerance
How much financial risk a person is willing to take. Discuss it when assessing personal comfort with market ups and downs.
一个人愿意承担多少财务风险。在评估个人对市场波动舒适度时讨论它。
glide path
A strategy where investments become more conservative over time, like as retirement approaches. Use in talks about gradual risk reduction.
一种随着时间推移投资变得越来越保守的策略，例如接近退休时。用于讨论逐步降低风险。
mutual funds
Pooled investments managed by professionals, spreading money across many assets. Common for beginners in investing.
由专业人士管理的集合投资，将资金分散到多个资产中。投资新手常用。
ETFs
Exchange-Traded Funds, which are like mutual funds but traded on stock exchanges. Explain as low-cost, flexible investment options.
交易所交易基金（Exchange-Traded Funds），类似于共同基金，但可在证券交易所交易。将其解释为低成本、灵活的投资选项。
tax efficiency
Ways to minimize taxes on investments. Mention when planning to keep more returns.
最小化投资税费的方法。在计划保留更多回报时提及。
关键句型
需要记住和练习的重要短语
How can I assist you with your financial goals?
This is a polite opening question in professional service dialogues. It uses 'assist' for help and 'financial goals' for money objectives. Useful for advisors or consultants starting a meeting; shows customer focus.
这是一个在专业服务对话中礼貌的开场问题。它使用 'assist' 表示帮助，'financial goals' 表示财务目标。对于开始会议的顾问或咨询师很有用；显示客户焦点。
I'm here to talk about retirement planning.
A clear way to state the purpose of a visit. 'Here to talk about' is a natural phrase for meetings. Intermediate learners can use this to introduce topics in business or personal discussions.
一种明确陈述访问目的的方式。'来谈...' 是会议中自然的表达。中级学习者可以用它在商业或个人讨论中引入话题。
It gives us ample opportunity to build a robust portfolio.
'Ample opportunity' means plenty of time; 'build a robust portfolio' describes creating a strong investment collection. This sentence shows future planning language; use it to explain timelines in finance.
‘Ample opportunity’ 意思是充足的时间；‘build a robust portfolio’ 描述创建强大的投资集合。这个句子展示了未来的规划语言；用它来解释金融中的时间线。
What sort of return on investment should we be aiming for?
Questions expectations politely with 'what sort of' (meaning 'what kind of'). 'Aiming for' means targeting. Great for clients seeking advice on goals; practices conditional questions.
用'what sort of'（意为'what kind of'）礼貌地质疑期望。'Aiming for'意为针对。适合寻求目标建议的客户；练习条件问题。
We can explore a balanced portfolio with a mix of equities and fixed income.
'Explore' suggests investigating options; 'a mix of' shows combination. This demonstrates suggesting strategies. Useful in advisory talks; note the prepositions for describing blends.
“Explore”暗示调查选项；“a mix of”显示组合。这展示了建议策略。在咨询谈话中很有用；注意描述混合的前置词。
Historically, a diversified portfolio can aim for an average annual return of 6-8%.
'Historically' refers to past data; 'average annual return' is a key finance phrase. This explains expectations based on evidence. Use in reports or advice to sound professional.
“Historically”指的是过去数据；“average annual return”是金融关键短语。这解释了基于证据的期望。在报告或建议中使用以听起来专业。
We're not looking to take huge risks, but we understand some risk is necessary for growth.
Balances views with 'not... but' contrast. 'Take risks' and 'necessary for' are common in decision-making. Ideal for expressing balanced opinions in negotiations or planning.
使用 'not... but' 对比平衡观点。'Take risks' 和 'necessary for' 在决策中常见。适合在谈判或规划中表达平衡意见。
We can allocate a larger portion to growth-oriented assets now.
'Allocate' means distribute; 'a larger portion' specifies amount; 'growth-oriented' describes focus. Shows strategy in action. Use in budgeting or investment plans; practices comparative adjectives.
“Allocate”意为分配；“a larger portion”指定数量；“growth-oriented”描述焦点。显示策略在行动中。在预算或投资计划中使用；练习比较形容词。
I'll prepare a detailed proposal that outlines different investment options.
'Prepare a proposal' is formal for plans; 'outlines' means summarizes. This is a follow-up sentence in meetings. Helpful for promising actions; note relative clause 'that outlines'.
“Prepare a proposal”是计划的正式表达；“outlines”意为总结。这是会议中的跟进句子。有助于承诺行动；注意关系从句“that outlines”。
This initial discussion has been very helpful.
'Initial discussion' means first talk; 'has been' is present perfect for recent experiences. A polite closing. Use at end of meetings to express thanks and positivity.
‘Initial discussion’意为首次谈话；‘has been’是现在完成时，用于最近的经历。礼貌的结束语。在会议结束时使用，以表达感谢和积极态度。