銀行的保管箱
Megan and Russell are talking about diversifying their portfolios.
梅根和羅素在談論多角化經營投資組合。
diversify(v.)（使）多樣化、多角化經營diverse(adj.)多樣的、形形色色的
Russell: Have you ever considered buying gold from a bank?
羅素：妳考慮過向銀行購買黃金嗎？
consider V-ing or N 考慮～
Megan: You mean I can literally get gold bullion from a bank?
梅根：你是指我可以在銀行買到真的金條嗎？
silver bullion 銀條
Russell: Technically, you can. Some banks do sell physical gold bars. You can think of buying gold as a type of investment. As for physical gold, you don’t actually need a vault to store it. Instead, what you need is a secure storage location where gold can be kept in safe custody, such as a safety deposit box at your bank.
羅素：技術上來說是可以的，有些銀行確實會賣實體金條。妳可以把購買黃金想成是一種投資。就實體黃金而言，妳並不真的需要金庫保存黃金，而是需要有個安全之處可以託管，像是銀行的保管箱。
store(v.)儲存、儲藏、儲備storage(n.)儲存、儲藏、儲備custody(n.)照管、監護（權）safe custody 銀行託管服務
Megan: I believe it would be better to store precious metal at a bank if I had some.
梅根：我想如果我有黃金的話，把這種貴重金屬交給銀行保管會更好一些。
Russell: You may also want to insure your gold against theft or natural disasters. Keep in mind that all these add costs to your investment.
羅素：妳也得為黃金投保，以防盜竊或天災來襲。要記得，這些都將加諸到投資成本上。
insure(v.)（為～）投保、（為～）買保險insurer 承保人the insured 被保人
Megan: I see. Where else can I buy gold except from banks?
梅根：了解。除了銀行，還可以在哪裡買到黃金呢？
Russell: You can purchase gold from reputable dealers, pawnshops or individual sellers that you trust. Make sure you don’t waste money on forgeries or gold that’s less pure than you’re led to believe.
羅素：妳也可以向有信譽的交易商、當鋪或值得信任的個人賣家購買黃金。確保你不會花錢買到假黃金或實際純度較低的黃金。
reputable(adj.)有信譽的、聲譽好的、值得信賴的disreputable(adj.)不受信任的、信譽不佳的forgery(n.)贗品、偽造（品）forge(v.)偽造、假冒pure(adj.)純的purity(n.)純淨、純粹、純度purify(v.)淨化
Megan: Wow. It’s complicated. Purchasing gold really isn’t for everyone. I wonder how investors make money from their gold?
梅根：哇，好複雜啊。可不是人人都可以購買黃金的。我好奇投資者是怎麼透過黃金賺錢的？
Russell: It depends on when they trade their gold. It can make a big difference to how much money they make. The key is to buy it at a low price and sell it at a high price.
羅素：這取決於他們何時買賣黃金，這中間能賺多少差別可大了。關鍵在於低價買入，高價賣出。
trade(v.)交易、買賣difference(n.)差別、差額
Megan: Are there any other investment options?
梅根：有沒有其他投資選項啊？
Russell: You can opt to invest in a basket of gold-related securities through gold mining stocks, exchange traded funds or futures.
羅素：妳可以選擇透過金礦股、指數型股票基金或期貨來投資跟黃金相關的證券組合。
securities 有價證券