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Financial Planning & Investment Advisory

Portfolio Performance Review & Adjustment

投资组合绩效审查与调整

A financial advisor conducts a periodic review of a client's investment portfolio performance. They discuss market trends, specific asset performance, and recommend rebalancing or strategic adjustments based on market conditions or the client's changing life circumstances.

财务顾问对客户的投资组合表现进行定期审查。他们讨论市场趋势、特定资产表现，并根据市场状况或客户不断变化的生活状况推荐再平衡或战略调整。

对话

聆听并跟进对话

1
John (Male)
Good morning, Emily. Thanks for coming in. I've prepared a comprehensive review of your portfolio's performance over the past six months.
早上好，艾米丽。谢谢您的到来。我已经准备好您过去六个月投资组合表现的全面回顾。
2
Emily (Female)
Good morning, John. Perfect, I'm keen to see how things are looking. The market's been a bit unpredictable lately, so I'm curious about the impact.
早上好，约翰。太好了，我正想看看情况怎么样。最近市场有点不可预测，所以我很好奇影响如何。
3
John (Male)
Indeed. Overall, the portfolio has performed well, exceeding its benchmark despite the volatility. Your tech holdings, in particular, have seen significant gains.
确实如此。总的来说，尽管市场波动，您的投资组合表现良好，超过了基准。特别是您的科技股持仓，收益显著。
4
Emily (Female)
That's excellent news! I was a bit worried about the recent tech sell-off. What about the other segments, like my bond allocation?
真是个好消息！我之前有点担心最近的科技股抛售。那其他部分呢，比如我的债券配置？
5
John (Male)
Your bond allocation has provided the stability we intended, acting as a nice counterbalance. However, looking ahead, I'd suggest we consider a slight rebalancing.
您的债券配置提供了我们预期的稳定性，起到了很好的平衡作用。然而，展望未来，我建议我们考虑进行一些轻微的再平衡。
6
Emily (Female)
Rebalancing? What's your rationale behind that? Are you thinking of adjusting our exposure to any particular sector?
再平衡？您这样做的理由是什么？您是想调整我们对某个特定行业的敞口吗？
7
John (Male)
Exactly. Given your current stage of life and your long-term goals, I think we should trim some of the excess gains from tech and allocate a portion to a more defensive sector, perhaps healthcare, to lock in profits and reduce overall risk. This aligns with your updated risk tolerance, too.
正是如此。考虑到您目前的人生阶段和长期目标，我认为我们应该削减一些科技股的超额收益，并将一部分配置到更具防御性的行业，比如医疗保健，以锁定利润并降低整体风险。这也符合您更新的风险承受能力。
8
Emily (Female)
That makes sense. It's smart to take some profits off the table, especially with the market's current uncertainties. What kind of timeline are we looking at for this adjustment?
这说得通。锁定一些利润是明智的，尤其是在当前市场不确定性增大的情况下。我们预计多久完成这次调整？
9
John (Male)
We can initiate the trades as early as next week, provided you're comfortable with the proposed changes. I'll send you a detailed proposal outlining the specific adjustments and their rationale.
只要您对这些提议的变动感到满意，我们最早下周就可以启动交易。我会给您发送一份详细的提案，概述具体的调整及其理由。
10
Emily (Female)
Sounds good, John. I appreciate your proactive approach. I'll review the proposal and get back to you by end of day tomorrow. Thanks for the thorough review.
听起来不错，约翰。我感谢您的积极主动。我会审阅提案，并在明天结束前答复您。谢谢您详细的审查。

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 group. In financial talks, it refers to your overall investments.

由个人或团体拥有的股票和债券等投资的集合。在金融讨论中，指的是您的整体投资。

benchmark

A standard or index used to measure the performance of investments, like a market index to compare against.

用于衡量投资绩效的标准或指数，例如用于比较的市场指数。

volatility

The degree of variation in trading prices over time; it means the market is unstable or fluctuating a lot.

交易价格随时间变化的变异程度；它意味着市场不稳定或大幅波动。

rebalancing

The process of adjusting the proportions of assets in a portfolio to maintain the desired level of risk or return.

调整投资组合中资产比例以维持所需风险或回报水平的过程。

rationale

The reason or logic behind a decision or action; often used in professional discussions to explain why something is suggested.

决定或行动背后的原因或逻辑；常用于专业讨论中解释为什么建议某事。

exposure

The extent to which an investment portfolio is invested in a particular sector or asset; it shows how much risk or involvement there is.

投资组合投资于特定部门或资产的程度；它显示了风险或参与的程度。

sector

A specific part of the economy, such as technology or healthcare, where companies are grouped by industry.

经济的一个特定部分，例如技术或医疗保健，企业按行业分组。

risk tolerance

The level of risk an investor is willing to accept; it helps in planning investments based on personal comfort with uncertainty.

投资者愿意接受的风险水平；它有助于基于个人对不确定性的舒适度规划投资。

关键句型

需要记住和练习的重要短语

I've prepared a comprehensive review of your portfolio's performance over the past six months.

This sentence uses possessive form 'portfolio's' and past perfect 'has performed' implied. It's useful for starting professional meetings by presenting prepared information; say it when sharing reports.

这个句子使用了所有格形式'portfolio's'和隐含的过去完成时'has performed'。它有助于通过呈现准备好的信息来开启专业会议；分享报告时说它。

Overall, the portfolio has performed well, exceeding its benchmark despite the volatility.

This shows comparison with 'exceeding' and contrast with 'despite'. Great for summarizing positive results in reviews; use it to highlight success against challenges like market ups and downs.

这展示了与 'exceeding' 的比较以及与 'despite' 的对比。在评论中总结积极结果非常棒；用它来突出面对市场波动等挑战的成功。

I'd suggest we consider a slight rebalancing.

Uses conditional 'I'd suggest' for polite recommendations. Practical in advisory talks; employ it when proposing changes without being pushy.

使用条件式“I'd suggest”来提出礼貌的建议。在咨询性谈话中实用；当提出变更而不强求时使用它。

What's your rationale behind that?

A question using 'what's' for seeking explanation. Useful in discussions to ask for reasons; ask this when you need clarification on someone's idea or plan.

一个使用'what's'来寻求解释的问题。在讨论中用于询问理由很有用；当你需要澄清某人的想法或计划时，问这个问题。

This aligns with your updated risk tolerance, too.

'Aligns with' means matches or fits; 'too' adds agreement. Helpful for explaining how a suggestion fits personal goals; use in financial advice to show relevance.

‘Aligns with’ 意思是匹配或适合；‘too’ 添加同意。有助于解释建议如何适合个人目标；在财务建议中使用以显示相关性。

I'll review the proposal and get back to you by end of day tomorrow.

Future tense 'I'll review' and 'get back to you' idiom for responding later. Common in business for committing to follow-up; say it when needing time to decide on documents.

未来时态 'I'll review' 和 'get back to you' 是用于稍后回复的习语。在商业中常见，用于承诺跟进；当需要时间决定文件时可以说。