Retirement Planning & Contribution Review

退休规划与供款审查

An existing client, nearing retirement, reviews their retirement savings plan with their advisor. They discuss current contributions, projected income in retirement, potential gaps, and strategies to ensure a comfortable financial future.

一位即将退休的现有客户与其顾问审查其退休储蓄计划。他们讨论当前的供款、退休后的预计收入、潜在缺口以及确保舒适财务未来的策略。

对话

聆听并跟进对话

Emily (Female)

Good morning, Michael. Thanks for fitting me in. I wanted to revisit my retirement plan, especially as I'm getting closer to stopping work.

早上好，Michael。谢谢您能抽空见我。我想重新审视一下我的退休计划，特别是我离退休越来越近了。

Michael (Male)

Good morning, Emily. Of course. It's always a good idea to review your plan periodically. I have your current portfolio up. What specific areas are you keen to discuss today?

早上好，Emily。当然。定期审视您的计划总是明智的。我已经调出了您的当前投资组合。您今天特别想讨论哪些方面？

Emily (Female)

Primarily, I'm concerned about my current contribution rate. Am I putting enough aside to maintain my current lifestyle? And what does that look like in terms of projected income once I retire?

主要是，我担心我目前的供款率。我存的钱足够维持我目前的生活方式吗？退休后预计的收入会是怎样？

Michael (Male)

That's a very valid question. Based on your current contributions and assuming a consistent market return, your projected income at retirement would be X dollars per month. We anticipate that covering about 70-75% of your current expenses.

这是一个非常合理的问题。根据您目前的供款和假设一个稳定的市场回报，您退休后的预计收入将是每月X美元。我们预计这会覆盖您目前开支的70-75%。

Emily (Female)

Only 70-75%? I was hoping for closer to 85-90%. What would be the implications of increasing my contributions by, say, another 5% each month starting now?

只有70-75%？我希望接近85-90%。如果我现在开始每月再增加5%的供款，会有什么影响？

Michael (Male)

Excellent idea. Increasing your contributions by 5% would indeed significantly boost your projected income. Let me quickly run the numbers. Yes, that change would push your projected coverage closer to 88-90%, which aligns with your goal.

好主意。增加5%的供款确实会显著提高您的预计收入。我来快速核算一下。是的，这一改变将使您的预计覆盖率接近88-90%，这与您的目标相符。

Emily (Female)

That's much better. Are there any other strategies we should consider? Perhaps rebalancing the portfolio for slightly more aggressive growth, given my time horizon?

那好多了。我们还需要考虑其他策略吗？比如，考虑到我的时间跨度，重新平衡投资组合以实现略高的增长？

Michael (Male)

We can certainly look at that. A slight rebalance towards growth assets could enhance returns, but it would also introduce a bit more volatility. We need to strike a balance between growth and risk tolerance, especially as you approach retirement. Let's explore a few scenarios for that.

我们当然可以考虑。稍微向增长型资产重新配置可以提高回报，但这也会带来更多的波动性。我们需要在增长和风险承受能力之间取得平衡，尤其是当您接近退休时。我们来探讨一下一些情景。

Emily (Female)

Sounds good. I feel much more comfortable discussing these options. Thank you for your insights.

听起来不错。能讨论这些选项让我安心多了。谢谢您的见解。

Michael (Male)

My pleasure, Emily. We'll adjust your contribution plan and then schedule another meeting next week to dive into portfolio adjustments based on those scenarios. Does that work for you?

不用客气，Emily。我们会调整您的供款计划，然后安排下周另一次会议，根据这些情景深入探讨投资组合调整。这样可以吗？

Emily (Female)

Perfect. Thank you, Michael. See you then.

太好了。谢谢您，Michael。到时候见。

词汇

对话中的必备词汇和短语

revisit

To look at something again to check or change it. Here, Emily wants to review her retirement plan.

再次查看某物以检查或更改它。这里，Emily想要审视她的退休计划。

contribution rate

The percentage of your salary that you put into a retirement or savings plan every month.

您每月将工资的百分比投入退休或储蓄计划。

projected income

An estimate of how much money you will receive in the future, based on current numbers.

基于当前数字，对未来将收到的资金金额的估计。

run the numbers

A casual way to say 'do the calculations' or 'check the math'.

一种随意说“做计算”或“检查数学”的方式。

rebalance

To change the mix of investments in a portfolio to keep the desired level of risk and return.

更改投资组合中投资的组合，以保持所需的風險和回報水平。

time horizon

The length of time you expect to hold an investment before you need the money.

您预计在需要资金之前持有投资的时间长度。

volatility

How much the price of an investment goes up and down; higher volatility means bigger swings.

投资价格的涨跌幅度; 波动性越高，意味着更大的波动。

关键句型

需要记住和练习的重要短语

Thanks for fitting me in.

A polite way to thank someone for scheduling you into a busy day. 'Fit someone in' means to find time for them.

一种礼貌的方式，感谢某人将你安排进忙碌的一天。'Fit someone in' 的意思是为他们腾出时间。

I wanted to revisit my retirement plan.

Use 'revisit' when you need to review or update a previous decision or document. It sounds professional yet friendly.

当你需要审查或更新先前的决定或文件时，使用'revisit'。它听起来专业却友好。

What specific areas are you keen to discuss today?

Michael asks politely which topics Emily wants to focus on. 'Keen to' means 'interested in' and keeps the tone light.

迈克尔礼貌地询问艾米莉想要关注哪些话题。'Keen to' 的意思是 '感兴趣的'，并保持语气轻松。

Am I putting enough aside to maintain my current lifestyle?

A clear way to ask if your savings rate will let you keep living the way you do now. 'Put aside' means to save money.

一种清晰的方式来询问你的储蓄率是否能让你继续像现在这样生活。'Put aside' 意思是存钱。

Let me quickly run the numbers.

A natural phrase when you need to calculate something during a conversation. It shows efficiency and confidence.

在对话中需要计算某事时的自然表达。它显示出效率和自信。

That aligns with your goal.

Means 'that matches what you want'. 'Align with' is a handy business expression for showing agreement between numbers and targets.

意思是“这符合您的愿望”。“Align with”是一个实用的商业表达，用于显示数字与目标之间的匹配。