练习材料

Lesson 48-2 Planning a share portfolio

However, there are undoubtedly some wrong ways, and you can be sure that none of our five advisers would have suggested sinking all (or perhaps any) of your money into Periwigs*.

So what should you do? We'll assume that you have sorted out the basics -- like mortgages, pensions, insurance and access to sufficient cash reserves. You should then establish your own individual aims. These are partly a matter of personal circumstances, partly a matter of psychology.

For instance, if you are older you have less time to recover from any major losses, and you may well wish to boost your pension income. So preserving your capital and generating extra income are your main priorities.

/ˈlɛsən/ 48-2 /ˈplænɪŋ/ /ə/ /ʃɛr/ /pɔrtˈfoʊliˌoʊ/

/ˌhaʊˈɛvər/, /ðər/ /ər/ /ənˈdaʊtɪdli/ /səm/ /rɔŋ/ /weɪz/, /ənd/ /jʊ/ /kən/ /bi/ /ʃʊr/ /ðət/ /nʌn/ /əv/ /ˈaʊər/ /faɪv/ /ædˈvaɪzərz/ /wəd/ /həv/ /səgˈʤɛstəd/ /ˈsɪŋkɪŋ/ /ɔl/ (/ɔr/ /pərˈhæps/ /ˈɛni/) /əv/ /jər/ /ˈmʌni/ /ˈɪntə/ Periwigs*.

/soʊ/ /wʌt/ /ʃəd/ /jʊ/ /du/? /wil/ /əˈsum/ /ðət/ /jʊ/ /həv/ /ˈsɔrtɪd/ /aʊt/ /ðə/ /ˈbeɪsɪks/ -- /laɪk/ /ˈmɔrgəʤəz/, /ˈpɛnʃənz/, /ɪnˈʃʊrəns/ /ənd/ /ˈækˌsɛs/ /tə/ /səˈfɪʃənt/ /kæʃ/ /rɪˈzɜrvz/. /jʊ/ /ʃəd/ /ðɛn/ /ɪˈstæblɪʃ/ /jər/ /oʊn/ /ˌɪndəˈvɪʤəwəl/ /eɪmz/. /ðiz/ /ər/ /ˈpɑrtli/ /ə/ /ˈmætər/ /əv/ /ˈpɜrsɪnɪl/ /ˈsɜrkəmˌstænsəz/, /ˈpɑrtli/ /ə/ /ˈmætər/ /əv/ /saɪˈkɑləʤi/.

/fər/ /ˈɪnstəns/, /ɪf/ /jʊ/ /ər/ /ˈoʊldər/ /jʊ/ /həv/ /lɛs/ /taɪm/ /tə/ /rɪˈkʌvər/ /frəm/ /ˈɛni/ /ˈmeɪʤər/ /ˈlɔsəz/, /ənd/ /jʊ/ /meɪ/ /wɛl/ /wɪʃ/ /tə/ /bust/ /jər/ /ˈpɛnʃən/ /ˈɪnˌkʌm/. /soʊ/ /prəˈzɜrvɪŋ/ /jər/ /ˈkæpətəl/ /ənd/ /ˈʤɛnəˌreɪtɪŋ/ /ˈɛkstrə/ /ˈɪnˌkʌm/ /ər/ /jər/ /meɪn/ /praɪˈɔrətiz/.