Financial Planning, Yes or No?
Speaking | English & Chinese scripts are provided below and you can understand the content easier.
https://youtube.com/@UpgradeEnglish
Welcome, may I help you?
Hi, I would like to know more about your wealth planning services.
Sure, please take a seat here and our customer service manager will serve you. Kindly wait for a moment.
Oh, thank you. It’s very nice here.
Morning Sir, sorry for keeping you waiting. May I know the types of products you’re interested in?
I’ll retire in the coming five years. I’ve spotted your promotion recently and would like to check if there are any products that are suitable for me to invest.
If you’ll be the retiree, it’s especially important to choose your investments carefully.
Yes, retirement may last longer than the working years. I’m so worried about my retirement life.
It’s a common concern nowadays because the medical advancements will lead to longer life expectancies. It would then cause higher living and medical expenses.
It’s such a big question to me. I would like to spend more time with friends and family, engage in hiking and enjoy exotic travel vacations. There are so many online tools such as budgeting and retirement calculators. I sometimes feel overwhelming and confused how I should plan for it without any incorrect assumption and consideration.
It’s certainly not your question and concern but the public. In order to obtain a certain level of protection for retirement life, people start planning even after graduation.
I’ve hesitation about my savings whether they are sufficient or not for me and my family. Or should I continue to work after retirement?
I think everyone does not want to work after the retirement age. Retirement is not a destination, it’s actually a new phase of joyful life.
However, how can I ensure that there is adequate income for my comfortable and secure living?
As the savings are limited, you should try to turn savings into income in the long run.
I’m not willing to take more risks because of the potential loss of the value.
Many older generations prefer less risky investments when they’re close to the retirement age.
As there may be longer retirements, should I take on some risks in my portfolio?
Higher risks may bring higher returns or higher losses. Yet, everyone works hard to build and preserve the assets during the working years. In addition to investment risk, there is also inflation risk that will lower your purchasing power.
It’s truly covering complex issues. First of all, you should diversify your portfolio for minimizing the risks.
What do you mean of diversification?
You should try to choose a mix of investment products within your portfolio for managing risks.
I’ve heard of the concept before i.e., avoiding the risk of having all eggs in one basket.
The goal of a diversified portfolio is to outperform the majority of more focused one rather than maximizing returns.
Oh, my goodness. It’s such a challenge to me.
You can make your life more enjoyable through financial planning by choosing our services. Our professional advice will help you to select investments from a range of different regions, industries and asset classes. We can create a holistic plan so that you’re confident about your retirement.
I think I’m prepared for retirement because I’ve accumulated wealth and stayed disciplined of my spending in the past 20 years.
There are several areas that you should take cautious consideration including income source, debt, insurance, legacy and tax.
Can you give me some advices of maintaining a long-term growth of my wealth?
The balance of risks and returns is critical. It’s significant to decide allocating an appropriate percentage of your portfolio into cash, stocks, investment funds and bonds.
I’m more prudent with the investment choices now. In turn, I would like to maintain a certain level of living as well.
Our professional team can offer you the ideal investment solutions. We help you define and achieve the goals through tailored advice for tomorrow and future generations. We can also help you prepare better for expected and unexpected expenses.
Through our expertise, we’ll arrange a detailed assessment of your current situation and come up with an estimate of your retirement income. Cash flow analysis will be provided so that you’ve a clear picture of income and expenses. As you’ve mentioned, maintaining current lifestyle is required and this cash flow plan will be monitored in a regular basis.
Finally, our team of experienced and investment professionals will optimize your wealth by providing you strategic advice and solutions. We act in the best interests of clients with due skill, care and diligence. You’ll be well informed and appropriately advised throughout the financial journey.
Please have rest assured that we’ll include everything concerning your savings, investments, fund flow, debt, insurance and other relevant elements for an effective planning procedure. Can we make an appointment with you to begin the assessment?
It’s amazing that your bank has got the award of the best wealth management provider for the past consecutive five years. Let me check my schedule.
Right. Our award demonstrates our unique expertise and we pride ourselves on our leadership and excellence.
I’ll be available this Friday afternoon. How about 3pm?
It’s cool and we’ll fix the schedule with our financial advisor. Before the meeting, our financial advisor will contact you to prepare some basic information.
That’s great and it’s fine with me.
Thanks for your patience and time today.
You’re welcome. Thank you.
WITH CHINESE SCRIPT
歡迎光臨，有什麼可以幫您？
您好，我想了解更多關於貴銀行的財富策劃服務。
好的，請在這邊坐下，我們的客戶服務經理將為您服務，請稍等片刻。
哦謝謝，這裡很好。
早安先生，抱歉讓您久等了，我可以知道您感興趣的產品類型嗎？
我將於未來五年內退休，最近看到您們的宣傳，想看看有沒有適合我投資的產品。
如果您將成為退休人士，謹慎選擇您的投資尤為重要。
是的，退休時間可能比工作年期更長，我很擔心我的退休生活。
這是現今普遍關注的問題，因為醫學進步將導致更長的預期壽命，這將導致更高的生活和醫療費用。
這對我來說是個大問題，我想花更多的時間與朋友和家人一起，參加遠足並享受異國情調的旅行假期。由於有很多網上工具，例如預算和退休計算機，在正確的假設和考慮下，我有時對如何計劃退休會感到不知所措和困惑，
這當然不是您的問題和擔憂，而是大眾，為了獲得一定程度的退休生活保障，人們甚至在畢業後就開始規劃。
我對我的積蓄是否足夠我和我的家人使用是猶豫不決，還是應該退休後繼續工作？
我想每個人都不想在退休年齡後工作，退休不是終點，它實際上是快樂生活的新階段。
但是，我怎樣才能確保有足夠的收入來過舒適安穩的生活呢？
由於儲蓄是有限的，從長遠來看，您應該嘗試將儲蓄轉化為收入。
因為投資價格涉及的潛在損失，我不願意承擔更多的風險。
許多老一輩人在接近退休年齡時更喜歡風險較低的投資。
由於退休時間可能會更長，我是否應該在我的投資組合中承擔一些風險？
更高的風險可能帶來更高的回報或更高的損失，然而，每個人都在工作期間努力工作以建立和保護資產，除了投資風險，還有通脹風險會降低您的購買力。
這真正涵蓋了複雜的問題，首先，您應該分散您的投資組合以將風險降至最低。
您所說的多元化是什麼意思？
您應該嘗試在您的投資組合中選擇多種投資產品來管理風險。
我以前聽說過這個概念，即避免將所有雞蛋放在一個籃子裡的風險。
多元化投資組合的目標是超越大多數更專注的投資組合，而不是最大化回報。
哦，我的天啊，這對我來說是一個挑戰。
選擇我們的服務，您可以通過財務規劃讓您的生活更加愉快，我們的專業建議將幫助您從一系列不同地區、行業和資產類別中選擇投資，我們可以製定一個整體計劃，讓您對自己的退休充滿信心。
我想我已經為退休做好了準備，因為在過去的20年裡，我累積了財富並嚴格控制了自己的開支。
您應該仔細考慮幾個方面，包括收入來源、債務、保險、遺產和稅收。
您能給我一些保持財富長期增長的建議嗎？
風險和回報的平衡至關重要，決定將適當比例的投資組合分配給現金、股票、投資基金和債券非常重要。
我現在對投資選擇更加謹慎，反過來，我也想保持一定的生活水平。
我們的專業團隊可以為您提供理想的投資方案，我們通過為明天和子孫後代定制的建議，幫助您定義和實現目標，我們還可以幫助您更好地為預期和意外開支做好準備。
憑藉我們的專業知識，我們將對您的現狀進行詳細評估，並估算您的退休收入，將提供現金流量分析，以便您清楚地了解收入和支出，正如您所提到的，需要保持現時的生活方式，並且將定期監控此現金流量計劃。
最後，我們經驗豐富的投資專家團隊將為您提供戰略建議和解決方案，從而優化您的財富，我們以應有的技能、謹慎和勤奮的態度為客戶的最大利益行事，在整個財務旅程中，您會得到充分的資訊和適當的建議。
請放心，我們將包括與您的儲蓄、投資、資金流動、債務、保險和其他相關要素有關的所有內容，以實現有效的規劃程序，我們可以與您預約開始評估嗎？
貴行連續五年榮獲最佳財富管理機構，令人驚嘆，讓我檢查一下我的日程安排。
正確的，我們的獎項展示了我們獨特的專業知識，我們以領導能力和卓越表現為榮。
我這週五下午有空，下午3點怎麼樣？
很好，我們會與我們的財務顧問一起確定時間表，會前，我們的財務顧問會與您聯繫，準備一些基本資料。
那太好了，我覺得安排很好。
感謝您今天的耐心和時間。
不用客氣，謝謝。