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欲降低難度還請(qǐng)關(guān)注《地道美語播客（慢速版）》
My company offers a 401(k) plan. Do you think I should have one?
我的公司提供了401K計(jì)劃（一種養(yǎng)老保險(xiǎn)制度）。你覺得我需要申請(qǐng)下嗎？
Yes, definitely. I had a 401(k) account when I worked for McQ Corp, and when I started working on my own I converted it to an IRA.
當(dāng)然了。我在McQ公司工作的時(shí)候，曾經(jīng)有一個(gè)401K賬戶，當(dāng)我開始創(chuàng)業(yè)的時(shí)候，我把它轉(zhuǎn)成了個(gè)人退休賬戶（IRA）。
I really don’t understand any of these investment options. I talked to an investment specialist at my bank, but I left her office just as confused as when I went in.
我對(duì)這些投資選擇真的一竅不通。我向銀行的投資專家咨詢過，可離開她辦公室后，我還是一無所知。
Look, you want to have a diversified portfolio of lower-risk and higher-risk investments. On the low-risk end, put money in bonds, CDs, or a money market account. You want to balance that out with some riskier investments that may bring a higher return, such as mutual funds and stocks.
這樣，你需要一個(gè)既有低風(fēng)險(xiǎn)又有高風(fēng)險(xiǎn)的多樣化投資組合。關(guān)于低風(fēng)險(xiǎn)，你可以把錢放在債券、CDs（定期存單）或貨幣市場(chǎng)賬戶中。你可以選擇一些可能帶來高收益的高風(fēng)險(xiǎn)投資來平衡一下，例如共同基金和股票。
Wow, all of that just went over my head. I don’t know a CD from a bond.
哇，我無法理解這些概念。我分不清定期存單與債券。
It’s really simple. Your choice ranges from a fixed return to a variable return, and the variable investments carry different levels of risk.
很簡(jiǎn)單的。你的選擇范圍從固定回報(bào)到浮動(dòng)回報(bào)，而浮動(dòng)投資具有不同的風(fēng)險(xiǎn)水平。
My head hurts. Are you sure I really need all of these investments?
我的腦袋要爆炸了。你確定我真的需要這些投資嗎?
Not all of them, but it would be smart to invest your money in something.
當(dāng)然不是全部，但是把錢投資在某些領(lǐng)域是明智的。
Not if I spend it all first, right?
總之就是不要大肆揮霍，對(duì)吧？
Right. You know what they say: “A fool and his money are soon parted!”
沒錯(cuò)。你知道的，大家常說：“蠢人有錢留不住！”
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