个人理财是指客户根据自身生涯规划、财务状况和风险属性，制定理财目标和理财规划，执行理财规划，实现理财目标的实现。　　相关词汇 　　bond  n. 债券 　　budget n. 预算 　　business corporation   实业公司 　　emergency  n. 紧急情况 　　expense n. 支出 　　financial advice   理财建议 　　financial consultant   理财顾问 　　fund  n. 基金 　　income n. 收入 　　insurance  n. 保险 　　interest  n. 利息 　　investment  n. 投资 　　loan  n. 贷款 　　personal finance  个人理财 　　program  n. 计划 　　real estate    房地产 　　return  n. 回报 　　saving n. 储蓄 　　securities n. 证券 　　share/stock  n. 股票

  　　情景对话: 　　A: May I help you, sir? 　　B: Yes. They say you're the best financial consultant here. 　　Can you give me some financial advice? 　　A: Sure, Sir. Everyone wants to be financially secured. If you want to get rich, it's wise for you to invest some of your savings. 　　B: Yes. I think so, too. 　　A: In order to help you choose a suitable plan, I need to know some of your financial information, sir. 　　B: OK. 　　A: Can I know your annual income and expense? 　　B: My annual income is two hundred thousand yuan and the expense is about eighty thousand yuan. 　　A: That's great. Then, can you tell me the amount of your investment money? 　　B: About five hundred thousand yuan. 　　A: OK, Sir. Please have a look at this program chart here. 　　B: Oh, God. It's too complicated. 　　A: Alright. Let me put it simply: two-fourths of your money for investment in stocks, funds or bonds; one-fourth for insurance; the rest for saving. 　　B: Oh, I see. 　　参考译文: 　　A:我能为您服务吗，先生? 　　B:据说你是这里出色的理财顾问，你能给我提供一些理财方面的建议吗? 　　A:当然可以，先生。任何人都想在财务方面有保障，如果您想要变得富有，拿一部分积蓄做投资是明智之举。 　　B:是的，我也这样认为。 　　A:先生，为了能帮助您制定合适的理财计划，我需要了解您的一些财务状况。 　　B:好的。 　　A:您能告诉我您的年收入和支出分别是多少吗? 　　B:我的年收入为20万元，支出大概为8万元。 　　A:太好了。那么，您能告诉我您打算用多少钱来做投资呢? 　　B:大概50万吧。 　　A:好的，先生。请您看一下这里的计划表. 　　B:噢，天哪，这么复杂。 　　A:好吧，让我简单为您介绍一下吧:您四分之二的资金将被用来购买股票、基金或者债券。四分之一的资金用来买保险。剩余的用来储蓄。 　　B:哦，我明白了。