06 投资（4 / 5）

e good alternatives for vestnt

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 specutor the stock arket i ay lose all i have if i put y oney a bank, it&039;s uch safer however, after several years, it ay erode the real vae of y oney

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: ite reanable why don&039;t you buy bonds? it&039;s safe and the terest is uch higher than bank&039;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&039;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&039;s a certificate issued by a governnt or a pany acknowledgg that oney has been lent to it and will be paid back with terest there are three kds of bonds divided aordg to the different issuers: governnt bond, fancial bond and rporate 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 exp these ore detail?

史蒂文：你能说得再详细点吗？

jack: of urse but we have arrived at our pany what about ttg 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 [&039;skai?r?kit] n 冲天火箭（烟火）；v 使……上升；陡升，猛涨

2 y up 储备；暂停使用；使卧床不起

3 specutor [&039;spekjuleit?] n 投机者，投机商人；思索家

4 erode [i&039;r?ud] v 腐蚀，侵蚀

小贴士

fixed rate bond is a bond where the upon&039;s terest rate reas fixed for the entire ter it pays a pre-detered upon

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。

floatg rate note（frn）is a bond where the upon&039;s terest rate is chand periodically aordance to a specific arket rate

浮动利率债券是息票利率根据一定市场利率而发生周期性变化的债券。

zero upon bond is a bond that is issued and ld at a disunt, pays no terest and provides paynt of the face vae at aturity this type of bond is rare, as the entire risk to vestors is ncentrated at the aturity date where the prcipal bees payable

零息债券是打折出售的到期不支付利息只支付面值的债券。这种债券很少见，因为投资者的全部风险都集中在债券到期日，即付