Good tips for reasonable investments 短对话.doc

A:好久不见，最近怎么样？ A：Hi,Mr Mark,Long time no see ,How are you? B：挺好的，你怎么样的？ B: good,How about you? A：不好，最近遇到了一些麻烦。 A: NO, I had some trouble recently B：发生什么事情啦？ B:What is the matter with you ? A：我想进行投资，但我对投资不太了解，我知道你是以为很好的理财师，能给我一些好的理财建议么？ A:I want to invest, but I have no idea about investment, I know you are very good financial planner, could you give me some good advice? B：当然了，没问题，你先给我介绍一下你的具体情况 B:Of course, no problem, first you tell me something about your specific situation A：我现在月收入1万元，我妻子月收入3000元，还有一套房子，没有房贷。还有一个一岁的小孩。 A:Now I?earn $10000 a month,?my wife?earn $3000 a month,?there is a house,?no mortgage.There is a one year old child. B：你每个月的家庭开支多少？ B:How about your monthly household expenses? A：大概7000块左右 A:About 7000 yuan B：现在你有什么投资项目么？ B:Do you have any investment project now? A：我现在有银行存款12万元，以活期为主，偶尔购买银行理财产品，无其他投资。为了给孩子规划一个美好的未来，同时不让自己的生活品质降低，我开始计划理财了。 A:I?have a bank deposit?120000 yuan?now,?to?demand,?occasionally?to buy financial products,?no other investment.?In order to give my children?a?better future?.?at the same time dont allow my life quality drops,?I began to?plan?the?financial. B：那你的投资目标是什么？ B:So what is your investment objectives? A：我的投资目标有三个，第一，我想将现有资金做合理投资，期待升值。第二，为孩子成长做一个资产规划。第三，做好养老计划，在退休后有足够的生活费 A:I have three investment objectives, first, I think the existing funds to do reasonable investment, expect appreciation.?Second, in order to the growth of children, I want to do an asset planning.?Third,?I want to?do?pension plans,?have enough?living expenses?in retirement B：我认为你的理财意识比较淡薄，除了偶尔投资一些银行理财产品外，没有其他理财模式。 B:I think your financial management consciousness is weak, in addition to occasionally some investment bank financial products, there is no other financial management mode. A：是的，你说的很对，那你有什么好的理财投资建议呢？ A:Yes, you are right.Do you have any good financial investment advice? B：首先你可以进行活期存款，购买一些理财产品，比如说可将以活期为主的12万元存款投资银行理财产品，年化预期收益最高可达4.8%，风险较低，收益也相对较高。 B: First you can demand deposits，buy some financial products.For example ,to give priority to wit