市場波動影響
Christine is looking for a way to put her money to work. So, she goes to a bank to inquire about it.
克莉斯丁尋求方法運用資金。因此，她到銀行洽詢。
inquire(v.)詢問
Consultant: Hello, ma’am. How may I help you?
專員：小姐，您好。需要什麼協助呢？
Christine: Hi, I’m here to seek advice on investment. I need some suggestions before having my money work for me.
克莉斯丁：嗨，我來這裡是想尋求投資建議。我需要點建議再作投資。
investment(n.)投資invest(v.)投資investor(n.)投資者
Consultant: If you’re willing to take more risks for higher yields, bonds might be a good option. You get regular interest income in return, and the principal amount is payable on maturity.
專員：若您願意為了更高的殖利率承擔較高的風險，那債券會是個不錯的選擇。您會定期得到利息收益，而本金也會在到期時歸還。
yield(n.)(債券)殖利率、收益率high-yield savings account高利率存款帳戶in return作為回報或交換principal(n.)本金payable(adj.)應支付的maturity(n.)到期、期滿mature(adj.)到期的、成熟的
Christine: It sounds quite similar to a fixed deposit.
克莉斯丁：那聽起來蠻像定存的。
Consultant: It is, ma’am. Bonds and FDs are both fixed-income, low-risk investments, but they are actually different from each other on several parameters.
專員：確實如此。債券與定存都是低風險的定額收入投資，但從幾個面向來看，它們其實不盡相同哦。
be different from跟～不同
Christine: Enlighten me.
克莉斯丁：跟我說說兩者有什麼不同吧。
Consultant: Bonds are considered safe instruments as they are backed by physical assets, while that doesn’t apply to FDs.
專員：由於債券有實物資產支持，因此被視為安全的投資工具，但定存則不然。
instrument(n.)(投資)工具back(v.)支持apply to適用於
Christine: I see.
克莉斯丁：了解。
Consultant: Bonds are traded on an exchange, and hence they are more liquid. However, market volatility can impact bond prices.
專員：債券會在交易所進行買賣，因此流動性較佳。不過，市場波動可是會影響到債券價格的。
exchange(n.)交易所liquid(adj.)流動的、易變現的liquidity(n.)資產折現力、流動性liquid assets流動資產=current assetsfixed assets固定資產volatility(n.)波動(性)volatile(adj.)易變的、不穩定的
Christine: Liquidity comes with a cost of risk.
克莉斯丁：流動性伴隨著風險成本啊。
Consultant: As for FDs, you have your money sit in the account until it is due and you are guaranteed a fixed interest. The drawback is that premature withdrawal is subject to penalty charges or reduced interest rates.
專員：至於定存，您把錢存入帳戶直到期滿為止，定額利息有保障。缺點是到期前提領的話，會被收取違約金或調降利率。
guarantee sb. sth.保證讓某人獲得某物drawback(n.)缺點=disadvantage=demerit=downsidepremature(adj.)過早的、不成熟的premature death早死premature birth早產premature withdrawal到期前提領be subject to sth.遭受某事影響
Christine: Hmm… I think I would need some time to mull over it. Thanks by the way.
克莉斯丁：嗯??我想我需要一點時間認真思考。感謝你。
mull over仔細思考、反覆考慮