不再擱置於定存
Sheila is asking her friend Dylan about ways to earn on idle funds.
希拉在問朋友迪倫有關透過閒錢賺錢的方法。
idle(adj.)閒置的
Sheila: Dylan, I’m looking to set aside some money for savings, but I don’t want it to just sit in a fixed deposit account. Do you have any suggestions?
希拉：迪倫，我計劃撥出一筆錢存款，但我又不想讓它只是擱置在定存帳戶。你有什麼建議嗎？
set aside撥出、保留
Dylan: It seems that a recurring deposit account would be right up your alley.
迪倫：這麼說來複利存款帳戶會很適合你哦。
be right up one’s alley受某人喜愛、合某人口味
Sheila: Could you tell me more about it?
希拉：可以告訴我詳情嗎？
Dylan: You can think of it as a hybrid of a savings and an FD account that helps you save money on a monthly basis. A certain amount of money is accumulated in an RD account for a fixed period of time.
迪倫：你可以把它想成是存款與定存結合而來的帳戶，這種帳戶幫你每月存下一筆錢。複利存款帳戶會在固定期限內每月積累特定金額的資金。
think of sth. as把某事物理解成～hybrid(n.)雜交種、混合種on a monthly basis每月on a regular basis定期on an annual basis每年accumulate(v.)積累
Sheila: What about the tenure?
希拉：那期限呢？
tenure(n.)期限、任期
Dylan: The duration of an RD ranges from six months to ten years, with an interest rate of 2.5 to 8.5 percent, depending on what scheme you opt for.
迪倫：複利存款帳戶的期限為期六個月至十年不等，利率介於2.5至8.5％，取決於你選擇什麼方案。
range from A to B範圍從A涵蓋到Bdepend on取決於～scheme(n.)計畫、方案opt for選擇加入～opt out of取消～、退出～
Sheila: That sounds tempting, and it is more flexible than an FD.
希拉：那聽起來真誘人，而且比定存有彈性多了。
tempting(adj.)誘人的flexible(adj.)有彈性的
Dylan: The best part is that interest will accrue on your deposit, including the return earned throughout the tenure.
迪倫：最棒的是，在那期間的利息會併入存款複利滾存。
accrue(v.)積累、增多return(n.)收益、利潤、報酬
Sheila: An RD does seem like a good option, but I’ll have to give it some thought before getting one.
希拉：複利存款帳戶確實是個不錯的選擇，但在申辦帳戶前我得先認真考慮一下。
give sth. some thought認真考慮某事