市場低迷因素
Everyone wants to make money, and some want to make money without doing anything—which is called earning passive income.
每個人都想賺錢，有些人甚至想什麼都不用做就賺到錢——這稱為被動收入。
passive income被動收入active income主動收入
One way to do this is by putting your money in a bank and earning interest.
其中一種方式是把錢存入銀行，賺取利息。
put money in a bank把錢放在銀行裡save money in a bank存錢在銀行裡deposit money in a bank存款到銀行中make a deposit進行存款deposit(n.)(v.)存款withdraw money from a bank從銀行提領金錢make a withdrawal進行提款withdraw(v.)提款withdrawal(n.)提款interest(n.)意願、興趣；利益
Another way is by buying stocks in the bank and getting money from the bank’s profits —which is called earning dividends.
另一種方式是購買銀行股票，從銀行的利潤中賺錢——這被稱為股息。
buy stocks in the bank購買銀行本身所發行的股票buy stocks through a brokerage account透過證券戶買股票brokerage account委託戶、證券戶profit(n.)利潤、盈利revenue(n.)營收dividend(n.)股息、紅利
This is a bit risky but can be very rewarding.
這種方式有一點風險，但報酬也很高。
risky(adj.)危險的、有風險的
In Taiwan, half of the banks that paid dividends last year will pay less this year.
在台灣，去年配股息的銀行有半數今年將減少配息。
King’s Town Bank, which used to pay the most dividends, will pay only two-thirds of what it paid last year.
京城銀行去年曾配發最多的股息，但今年配息只有去年的三分之二。
Shanghai Commercial Bank will pay the most dividends, handing out NT$1.8 per share.
上海商業銀行的配息將會是最高，每股配發一點八元。
hand out發放give out發放；公布give out耗盡、精疲力竭
This is a result of the stock and bond markets going down last year, and it remains unknown whether the trend will continue.
這是因為去年股票和債券市場下跌，且仍不確定這個趨勢是否會繼續。
a result of～的結果、由於It remains unknown whether...仍未可知(=It remains unknown if...)
Therefore, the decision to invest in bank stocks is something that should be carefully considered.
是否要投資於銀行股票是一個需要仔細考慮的決定。
invest (sth.) in投資、注入(錢財)invest(v.)投資consider(v.)認真考慮、斟酌Look before you leap三思而後行