06 投资
emsp;杰克：在我看来，储蓄、股票和债券都是很好的投资选择。
steven: yeah, but i would not like to be a speculator in the stock market. i may lose all i have. if i put my money in a bank, it's much safer. however, after several years, it may erode the real value of my money.
史蒂文：是的，但是我不想炒股，不想做一个投机者。那样我或许会失去一切。如果我把钱存在银行，会比较安全。但是，几年后，这些存款的实际购买力会下降。
jack: quite reasonable. why don't you buy bonds? it's safe and the interest is much higher than bank's.
杰克：有道理。那你为什么不买债券呢？那样比较安全，利息比银行储蓄的利息要高很多。
steven: what's bond? i only know a little about it.
史蒂文：什么是债券？我只知道一点点。
jack: it's a certificate issued by a government or apany acknowledging that money has been lent to it and will be paid back with interest. there are three kinds of bonds divided according to the different issuers: government bond, financial bond and corporate bond.
杰克：它是政府或公司发行的有息并偿还本金的债券。按照发行主体的不同可以分为以下三种：政府债券、金融债券和公司债券。
steven: can you explain these in more detail?
史蒂文：你能说得再详细点吗？
jack: of course. but we have arrived at ourpany. what about getting off work?
杰克：当然可以。但是我们已经到公司了。
下班后再讲好吗？
steven: ok.
史蒂文：好的。
notes
1. skyrocket ['skai?r?kit] n. 冲天火箭（烟火）；v. 使……上升；陡升，猛涨
2. lay up 储备；暂停使用；使卧床不起
3. speculator ['spekjuleit?] n. 投机者，投机商人；思索家
4. erode [i'r?ud] v. 腐蚀，侵蚀
小贴士
fixed rate bond is a bond where the coupon's interest rate remains fixed for the entire term. it pays a pre-determined coupon.
固定利率债券是指在整个债券有效期限内，债券的息票利率保持不变的债券。它支付预决息票。
floating rate note（frn）is a bond where the coupon's interest rate is changed periodically in accordance to a specific market rate.
steven: yeah, but i would not like to be a speculator in the stock market. i may lose all i have. if i put my money in a bank, it's much safer. however, after several years, it may erode the real value of my money.
史蒂文：是的，但是我不想炒股，不想做一个投机者。那样我或许会失去一切。如果我把钱存在银行，会比较安全。但是，几年后，这些存款的实际购买力会下降。
jack: quite reasonable. why don't you buy bonds? it's safe and the interest is much higher than bank's.
杰克：有道理。那你为什么不买债券呢？那样比较安全，利息比银行储蓄的利息要高很多。
steven: what's bond? i only know a little about it.
史蒂文：什么是债券？我只知道一点点。
jack: it's a certificate issued by a government or apany acknowledging that money has been lent to it and will be paid back with interest. there are three kinds of bonds divided according to the different issuers: government bond, financial bond and corporate bond.
杰克：它是政府或公司发行的有息并偿还本金的债券。按照发行主体的不同可以分为以下三种：政府债券、金融债券和公司债券。
steven: can you explain these in more detail?
史蒂文：你能说得再详细点吗？
jack: of course. but we have arrived at ourpany. what about getting off work?
杰克：当然可以。但是我们已经到公司了。
下班后再讲好吗？
steven: ok.
史蒂文：好的。
notes
1. skyrocket ['skai?r?kit] n. 冲天火箭（烟火）；v. 使……上升；陡升，猛涨
2. lay up 储备；暂停使用；使卧床不起
3. speculator ['spekjuleit?] n. 投机者，投机商人；思索家
4. erode [i'r?ud] v. 腐蚀，侵蚀
小贴士
fixed rate bond is a bond where the coupon's interest rate remains fixed for the entire term. it pays a pre-determined coupon.
固定利率债券是指在整个债券有效期限内，债券的息票利率保持不变的债券。它支付预决息票。
floating rate note（frn）is a bond where the coupon's interest rate is changed periodically in accordance to a specific market rate.