Most people are able to accumulate some spare money from their salaries—but just what do you do with it? Keep it in a tin under the bed? Or put it into the bank? Certain people like to make investments in the stock market or offer financial products offered by their bank. How about you?
In this Podcast, you will learn:
(i) To consider several types of investments you might want to make
(ii) How to discuss some other options for investment
Dialogue:
A husband and wife are talking at home:
（在家吃饭）
(zài jiā chī fàn)
(having dinner at home)
A:老婆，我看同事们都在做投资理财，咱们也开始吧？
Lǎo pó, wǒ kàn tóng shì men dōu zài zuò tóu zī lǐ cái, zán men yě kāi shǐ ba?
Wife, I saw all my co-workers are making investments and undertaking financial management. Shall we start, too?
B:好啊，反正钱存在银行，也没什么利息。
Hǎo a, fǎn zhèng qián cún zài yín háng, yě méi shén me lì xī.
Okay, deposit the money in the bank, but interest rates are low.
A:股票呢，风险挺大的，咱们就别考虑了。不过，银行有些不错的理财项目，我们可以去看看。
Gǔ piào ne, fēng xiǎn tǐng dà de, zán men jiù bié kǎo lǜ le. Bù guò, yín háng yǒu xiē bù cuò de lǐ cái xiàng mù, wǒ mén kě yǐ qù kàn kan.
Stocks are quite risky, so we shouldn’t even consider them. But the bank may have some interesting financial products, we can go and check them out.
B:好，或者我们可以买一套小点的房，出租用。
Hǎo, huò zhě wǒ mén kě yǐ mǎi yī tào xiǎo diǎn de fáng, chū zū yòng.
Okay. Or maybe we can buy a small condo for renting out.
Chinese words and phrases mentioned in this Podcast:
同事：co-worker
投资：investment
理财：financial management
反正：anyway, after all
没什么：not much
存：deposit, save
银行：bank
利息：interest
股票：stock
风险：risk
别：don’t do something
理财项目／产品：financial product
用：use
出租：rent
出租用：use for renting
Cultural/Grammar note:
‘理财项目’ or ‘理财产品’ is ‘financial product’. If you go to the bank and want to buy a financial product, you could say:
我想买理财产品。
Wǒ xiǎng mǎi lǐ cái chǎn pǐn.