Initial Investment Consultation & Goal Setting
A new client meets with a financial advisor for the first time to discuss their financial goals, current assets, risk tolerance, and investment experience. The advisor gathers information to understand the client's needs and sets initial expectations.
新客户首次与财务顾问会面，讨论其财务目标、现有资产、风险承受能力和投资经验。顾问收集信息以了解客户需求并设定初步期望。
对话
聆听并跟进对话
词汇
对话中的必备词汇和短语
investments
Money put into stocks, bonds, or other assets to grow wealth over time. In financial talks, it means planning how to use your money wisely.
投入股票、债券或其他资产的资金，以随着时间增长财富。在金融讨论中，它意味着规划如何明智地使用你的钱。
retirement
The time when you stop working and live on savings or pensions. Planning for it involves saving money for your later years.
停止工作并依靠储蓄或养老金生活的时间。为此规划涉及为晚年储蓄资金。
assets
Things you own that have value, like savings, property, or investments. In finance, advisors ask about assets to understand your financial picture.
您拥有的有价值的东西，如储蓄、财产或投资。在金融领域，顾问会询问您的资产情况，以了解您的财务状况。
debts
Money you owe to others, such as loans or credit card balances. It's important to list debts when discussing your financial health.
你欠他人的钱，例如贷款或信用卡余额。在讨论你的财务健康时，列出债务很重要。
risk tolerance
How comfortable you are with the chance of losing money in investments. People with low risk tolerance prefer safer options.
您对投资中亏损的可能性有多舒适。风险容忍度低的人更喜欢更安全的选项。
conservative
In investing, it means preferring safe, low-risk choices over risky ones that might bring higher returns. It's a common way to describe cautious financial styles.
在投资中，它意味着优先选择安全、低风险的选项，而不是可能带来更高回报的风险选项。这是描述谨慎财务风格的常见方式。
diversified
Spreading investments across different types to reduce risk. A diversified portfolio includes a mix of stocks, bonds, and other assets.
将投资分散到不同类型以降低风险。多样化投资组合包括股票、债券和其他资产的混合。
portfolio
A collection of your investments, like stocks and bonds. Advisors help tailor a portfolio to match your goals and risk level.
您的投资集合，如股票和债券。顾问帮助定制投资组合，以匹配您的目标和风险水平。
volatility
How much prices of investments change up and down. Low volatility means more stable investments, which suit conservative investors.
投资价格上下波动的幅度。低波动性意味着更稳定的投资，适合保守型投资者。
proposal
A written plan or suggestion outlining options and recommendations. In finance, an advisor might send a proposal after an initial meeting.
一个概述选项和推荐的书面计划或建议。在金融领域，顾问可能在初次会议后发送提案。
关键句型
需要记住和练习的重要短语
Could you tell me what brings you here and what your main financial goals are?
This is a polite way to start a conversation by asking about someone's purpose and objectives. It's useful in professional meetings to gather information; uses 'could you' for a soft request and 'what brings you' as an idiomatic expression for 'why are you here'.
这是通过询问某人的目的和目标来礼貌地开始对话的一种方式。它在专业会议中用于收集信息很有用；使用“could you”作为柔和的请求，以及“what brings you”作为“您为什么在这里”的习语表达。
I'm looking to get a better handle on my investments.
This means wanting to understand and manage investments more effectively. 'Get a better handle on' is an idiom for gaining control or understanding; great for expressing goals in financial discussions.
这意味着希望更有效地理解和管理投资。'Get a better handle on' 是一个习语，表示获得控制或理解；在金融讨论中表达目标很合适。
Could you give me a brief overview of your current assets?
Asks for a short summary of someone's financial possessions. 'Brief overview' means a quick summary; useful for advisors or in business to request key details without overwhelming the speaker.
要求对某人财务财产的简短总结。「Brief overview」意为快速总结；对于顾问或商业用途，在不压倒说话者的情况下请求关键细节非常有用。
I have limited experience, mostly just what my employer offered.
Describes having little background in something, mainly from work-provided options. 'Limited experience' is a common phrase for beginners; helpful when honestly sharing your knowledge level in consultations.
描述在某事上背景很少，主要来自工作提供的选项。'Limited experience' 是新手的常用短语；在咨询中诚实地分享你的知识水平时很有帮助。
I'm generally conservative regarding risk.
States a preference for safe choices in uncertain situations. 'Generally' means usually or overall; this sentence shows how to discuss personal comfort with risk in investment talks.
表示在不确定情况下偏好安全选择。'Generally' 意味着通常或整体；这句话展示了如何在投资讨论中谈论个人对风险的舒适度。
We should focus on a diversified portfolio with a mix of growth and income-generating assets.
Suggests concentrating on a varied set of investments for balance. Demonstrates professional advice language; 'focus on' means to prioritize, and it's useful for explaining strategies in finance.
建议集中于多样化的投资组合以实现平衡。展示了专业的建议语言；'focus on' 意味着优先考虑，这在解释金融策略时很有用。
What would be the next steps from here?
Asks about the following actions in a process. This is a practical question to clarify plans after a discussion; simple structure with 'would be' for hypothetical future steps.
询问进程中的后续行动。这是一个实用的提问，用于澄清讨论后的计划；使用“would be”来表示假设的未来步骤的简单结构。
How does that sound?
Seeks agreement or feedback on a suggestion. A casual yet professional way to check if a plan is acceptable; very common in meetings to invite response without pressure.
寻求对建议的同意或反馈。一种随意却专业的检查计划是否可接受的方式；在会议中非常常见，用于在无压力的情况下邀请回应。