本周新增的三个学习组件
🃏 词汇闪卡
每天一组词,点词条:自动发音 + 显示中文。规则:先听声猜义,再点开验证。全组过两遍后,让陪练报中文、他说英文。
🎙️ 录音对比(底部工具栏)
点"🎙️ 录音"说一段 → 再点停止 → 播放自己的录音,和 🔊 的示范对比。每天挑 3 句录音对比一次,进步最快的练法。
🎬 3-2-1 复述法(看视频新任务)
本周起视频不再只是磨耳朵:看完 10 分钟后,用英文说出 3 个要点、2 个学到的短语、1 个想问演讲者的问题。说给陪练听或录音。
📌 每日热身(5 min,与陪练伙伴一起):随机抽第 1 周句子 3 句(中文报,英文答)+ 突袭一句快语速英语测补救反射。通过才开始当天内容。
Day 8 · 资产类别:你都投什么?
🎯 掌握 12 个资产类别词并在对话中用出 ≥6 个;能回答 "What asset classes do you cover?"
🔁 昨日闪回(第 1 周):点听并复述 —
① 补救句 🔊 ·
② 兜底句 🔊 ·
③ 告别句 🔊
🃏 今日词汇:资产类别(点卡发音+释义)
💬 陪练对话:茶歇聊资产(14 轮,David=私行顾问)
David
So Wei, what asset classes do you cover?
Wei,你们覆盖哪些资产类别?
学员
Mostly equities — China equities. We also hold some fixed income for balance.
主要是股票——中国股票,也配一些固收做平衡。
David
Any alternatives? Everyone seems to be in private credit these days.
有另类吗?现在人人都在做私募信贷。
学员
Not yet. We're watching private credit, but honestly, it's getting crowded.
还没有。我们在观察私募信贷,但说实话有点拥挤了。
David
Fair point. What about commodities — any gold exposure?
有道理。大宗商品呢——有黄金敞口吗?
学员
A small position, mostly through ETFs. It's a hedge, not a bet.
有一小部分,主要通过 ETF。是对冲,不是押注。
David
"A hedge, not a bet" — I like that. Do you touch FX at all?
"对冲不是押注",我喜欢这个说法。你们碰外汇吗?
学员
Only to manage currency risk. We're not FX traders.
只做汇率风险管理,我们不是外汇交易员。
David
Sensible. My clients keep asking about treasuries now that yields are decent.
明智。收益率不错了,我的客户老问美债。
学员
Same here. How are you positioning clients — long bonds or short?
我们也是。你们给客户怎么配——长债还是短债?
David
Mostly short-dated for now. Nobody trusts the long end.
目前主要短久期,没人敢信长端。
学员
That matches what we see. By the way, which session are you going to next?
和我们看到的一致。对了,你下一场去听哪个?
David
The private markets panel. Join me?
私募市场那场。一起?
学员
Sure, let's go. After you!
好啊,走。你先请!
🔧 口语表达优化(3 组)
✗ We buy stocks and bonds and gold and...(and 串到底)
✓ Mostly equities. We also hold some fixed income for balance.
分两句说,先说主要的,再补次要的
✗ We don't do that.(生硬)
✓ Not yet — we're watching it, but it's getting crowded.
"还没做"+ 一个观点,显得有判断而不是没能力
✗ stock(单数泛指)
✓ equities / stocks
泛指资产类别用复数;行业人更常说 equities
🎬 今日视频(教育类·慢速):沃顿商学院金融基础(中英字幕)
看前 10 分钟,然后做 3-2-1 复述:3 个要点、2 个短语、1 个问题,说给陪练听或录音。
✅ 今日打卡
Day 9 · 策略与配置:向 allocator 讲清楚你的打法
🎯 掌握 13 个策略/配置词;能就"你们的策略"撑 2 分钟并应对追问
🔁 昨日闪回:用英文说出 3 个资产类别词 + "a hedge, not a bet" 造一个新句。
🃏 今日词汇:策略与配置
💬 陪练对话:休息区遇到 Emma(15 轮,养老基金 allocator)
Emma
You mentioned you run China equities. Active, I assume?
你说你做中国股票,主动管理吧?
学员
Yes, fully active. Our benchmark is MSCI China, and we aim for alpha through stock picking.
对,全主动。基准是 MSCI China,靠选股做 alpha。
Emma
How concentrated is the portfolio?
组合集中度多高?
学员
Around forty names. Big enough to diversify, small enough to know every company well.
40 只左右。够分散,也小到每家公司都吃透。
Emma
Nice line. What are you overweight right now?
说得好。现在超配什么?
学员
We're overweight tech and healthcare, underweight banks.
超配科技和医疗,低配银行。
Emma
Why underweight banks? The yields look attractive.
为什么低配银行?股息看着很香。
学员
Good question — in short, we worry about property exposure on their books.
好问题——简单说,担心它们账上的地产敞口。
Emma
Do you hedge the currency?
你们对冲汇率吗?
学员
Partially. We hedge about half the exposure — full hedging costs too much.
部分对冲,大概一半敞口——全对冲成本太高。
Emma
And how often do you rebalance?
多久再平衡一次?
学员
Quarterly, unless the market gives us a reason to move faster.
季度一次,除非市场给我们更快行动的理由。
Emma
Sounds disciplined. We're reviewing our China sleeve next quarter, actually.
很有纪律。其实我们下季度要重审中国配置。
学员
Then we should definitely stay in touch. Are you on LinkedIn?
那我们一定得保持联系。你用 LinkedIn 吗?
Emma
Of course. Send me a note after the conference.
当然,会后给我发消息。
🔧 口语表达优化(3 组)
✗ Our portfolio has forty stocks.(平铺直叙)
✓ Around forty names. Big enough to diversify, small enough to know every company well.
行业行话 names=持仓个股;对仗句让人记住你
✗ We think banks are bad.
✓ We're underweight banks — we worry about their property exposure.
用仓位动词表达观点,专业且留余地
✗ Maybe we can talk later.(约后续太虚)
✓ Then we should definitely stay in touch. Are you on LinkedIn?
听到商机信号(reviewing our China sleeve)立即落实联系方式
🎬 今日视频(专业·中速):耶鲁《金融市场》公开课(中英字幕)
Shiller 语速平稳、术语密集,是"专业但友好"的听力标杆。看 10 分钟 + 3-2-1 复述。
✅ 今日打卡
Day 10 · 业绩与风险:被挑剔的机构投资者拷问
🎯 掌握 11 个业绩/风险词;"业绩三句话"能顶住连环追问不露怯
🔁 昨日闪回:overweight / underweight / benchmark 各造一句;说出昨天的对仗句。
🃏 今日词汇:业绩与风险
💬 陪练对话:被 Tom 尽调式拷问(14 轮,挑剔的保险公司投资总监)
Tom
So, numbers. How has the fund actually performed?
来,说数字。基金实际业绩怎么样?
学员
Up around 15 percent this year, net of fees. About 4 points ahead of the benchmark.
今年费后约 15%,跑赢基准 4 个点左右。
Tom
Anyone can have one good year. What was your worst drawdown?
谁都能有一个好年份。最大回撤多少?
学员
About 20 percent, back in 2022. Painful, but shallower than the market.
大约 20%,2022 年。很痛,但比大盘浅。
Tom
Hmm. What's the Sharpe over three years?
嗯。三年夏普多少?
学员
I don't have the exact number in my head — roughly 0.8. I can send the fact sheet.
确切数字记不清——大概 0.8,我可以发 fact sheet 给你。
Tom
Do that. Any leverage in the fund?
发吧。基金用杠杆吗?
学员
No leverage. Long-only, fully funded. We keep it simple.
不用杠杆,纯多头全额投资,我们保持简单。
Tom
And liquidity? If I need my money back in a hurry?
流动性呢?我急用钱要赎回怎么办?
学员
Monthly liquidity, thirty days' notice. Most of the book trades daily.
月度开放,提前 30 天通知。组合大部分标的日内可交易。
Tom
Better than most. What keeps you up at night — what's the downside risk?
比大多数强。你半夜担心什么——下行风险在哪?
学员
Honestly? Policy surprises. That's why we size positions carefully.
说实话?政策意外。所以我们仓位控制很谨慎。
Tom
An honest answer. Rare at these events.
诚实的回答,在这种场合少见。
学员
Thanks, Tom. Let me get your card — I'll send that fact sheet tonight.
谢谢 Tom。给我张名片吧——今晚就把 fact sheet 发你。
🔧 口语表达优化(3 组)
✗ Our performance is very good.(空洞自夸)
✓ Up around 15 percent, net of fees — about 4 points ahead of the benchmark.
数字+相对基准,一句顶十句
✗ 回避谈回撤/亏损
✓ About 20 percent in 2022. Painful, but shallower than the market.
主动承认+一个缓冲词(painful),挑剔的人反而信你
✗ I will send you information.(模糊承诺)
✓ I'll send the fact sheet tonight.
具体物件+具体时间,跟进才会真的发生
🎬 今日视频(专业·英文字幕):金融英语,期权策略讲解
纯英文字幕,难度升一档。听 10 分钟,记下 3 个风险相关表达。
✅ 今日打卡
Day 11 · 宏观与市场:聊行情
🎯 掌握 13 个宏观词;市场观点话题撑 2 分钟(观点内容提前用中文对齐)
🔁 昨日闪回:drawdown / net of fees / monthly liquidity 各说一句;重说"业绩三句话"。
🃏 今日词汇:宏观与市场
💬 陪练对话:午餐聊行情(15 轮,Raj=新加坡对冲基金)
Raj
So what's your read on the market right now?
你现在怎么看市场?
学员
Cautiously positive. Rates are coming down, and earnings are holding up.
谨慎乐观。利率在下行,盈利也撑得住。
Raj
You believe in the soft landing story then?
那你信软着陆的故事?
学员
Mostly. The risk is inflation coming back — then the Fed has a problem.
基本信。风险是通胀回头——那美联储就难办了。
Raj
Everyone says that. What's your contrarian view? Something nobody agrees with?
人人都这么说。你有什么逆共识的观点?
学员
Good question — let me think how to say it in English. I think China earnings will surprise on the upside next year.
好问题——让我想想怎么说。我认为明年中国盈利会超预期。
Raj
Bold! Based on what?
大胆!依据是什么?
学员
Cost cutting is done, and demand is stabilizing. The bar is very low now.
降本已到位,需求在企稳。而且预期已经压得很低。
Raj
Fair. We're mostly playing EM ex-China ourselves. India, mainly.
有道理。我们主要做不含中国的新兴市场,以印度为主。
学员
Everyone loves India now. Aren't valuations getting stretched?
现在人人都爱印度。估值是不是有点贵了?
Raj
Ha! That's the debate. You pay up for growth, as they say.
哈!这就是争论所在。俗话说,增长要花钱买。
学员
So you mean the growth justifies the price?
你的意思是增长撑得起这个价格?【确认式补救】
Raj
Exactly. For now, anyway.
正是,至少目前是。
学员
We should trade notes on EM sometime — are you on LinkedIn?
哪天我们该交换下新兴市场的看法——你用 LinkedIn 吗?
Raj
Sure. Grab my card too.
当然,名片也拿一张。
🔧 口语表达优化(3 组)
✗ I think market is good.(观点没内容)
✓ Cautiously positive. Rates are coming down, and earnings are holding up.
观点公式:立场词 + 两个理由。cautiously positive/constructive/neutral 都是好立场词
✗ 被问逆共识观点时说 I have no special view.
✓ I think China earnings will surprise on the upside next year.
提前准备一个"惊喜观点",这是被记住的关键时刻
✗ Price is expensive.(中式)
✓ Valuations are getting stretched.
行话:stretched=估值拉高了;还有 rich / demanding
🎬 今日视频(快语速·新闻类):Bloomberg 财经新闻(附文稿,中英)
新闻语速,先 0.75x 一遍再原速一遍。备选:WSJ 播客 Your Money Briefing(中英+注释)
✅ 今日打卡
Day 12 · AI+资管:他的差异化武器
🎯 掌握 9 个机构/角色词;AI+资管话题输出 3 个观点并应对追问——这是他能聊出深度的王牌话题
🔁 昨日闪回:说出立场词公式造句;stretched 换 rich 再说一遍。
🃏 今日词汇:机构与角色
✍️ 王牌话题:AI 改变资管的三个观点(和陪练一起把干货写成短句)
AI hasn't changed what we buy — it's changed how fast we understand a company.
AI 没改变我们买什么,改变的是我们理解一家公司的速度。
The edge is moving from information to judgment.
优势正在从信息转向判断。
Small teams can now do what only big firms could afford before.
小团队现在能做以前只有大机构才做得起的事。
💬 陪练对话:和 Michael 聊 AI(14 轮,传统老牌基金经理,半信半疑)
Michael
Everyone keeps talking about AI. Honestly, I'm skeptical. Are you using it?
人人都在谈 AI。说实话我很怀疑。你们在用吗?
学员
Every day, actually. Not to pick stocks — to read faster.
天天用。不是用来选股,是用来读得更快。
Michael
Read faster? What do you mean?
读得更快?什么意思?
学员
Earnings calls, filings, broker notes. AI summarizes them in minutes. My analysts used to spend whole days on that.
财报会、公告、券商报告,AI 几分钟就总结完。以前分析师要花整天。
Michael
And you trust the summaries?
你信那些总结?
学员
Trust but verify. AI does the first pass, humans make the call.
信任但要核实。AI 做初筛,人做决策。
Michael
Hmm. So where does that leave the junior analyst?
嗯,那初级分析师怎么办?
学员
Their job changes. Less summarizing, more thinking. The edge is moving from information to judgment.
工作性质变了。少做总结,多做思考。优势正在从信息转向判断。
Michael
"From information to judgment." That's well put.
"从信息到判断",说得好。
学员
And here's the part people miss — small teams can now do what only big firms could afford before.
还有个大家忽略的点——小团队现在能做以前只有大机构做得起的事。
Michael
That should worry the big firms, not the small ones.
那该担心的是大机构,不是小机构。
学员
Exactly our bet. What about your shop — any experiments?
这正是我们押的方向。你们公司呢——有尝试吗?
Michael
A few pilots. I'd like to hear more about your setup, honestly.
有几个试点。说实话我想多了解你们的做法。
学员
Happy to share. Let's swap contacts — I'll send you a short write-up.
乐意分享。交换联系方式吧——我发你一份简短总结。
🔧 口语表达优化(3 组)
✗ AI is very useful. We use AI to improve efficiency.(套话)
✓ Not to pick stocks — to read faster.
具体的反差表达 > 抽象的正确废话
✗ 长篇大论讲技术细节
✓ AI does the first pass, humans make the call.
金句式短对仗,老外最吃这套;讲完停顿,等对方接
✗ 输出完观点就结束
✓ What about your shop — any experiments?
shop=公司(行话)。输出后必须回抛问题
🎬 今日视频(专业+AI 主题):TED · 微软 AI CEO 谈我们在创造什么(中英字幕)
看 10 分钟,偷 2 个关于 AI 的地道表达进剧本。备选(休闲):达利欧访谈:未来十年财富机遇(双语)
✅ 今日打卡
Day 13 · 会议社交词 + 提问的艺术
🎯 掌握 8 个会议流程词;练成"自己说 30%,对方说 70%"的提问型对话
🔁 昨日闪回:三个 AI 金句连说;"first pass / make the call" 用中文解释给 J 听。
🃏 今日词汇:会议与跟进
💬 陪练对话:酒会上的提问型对话(14 轮,Lily=渣打主办方关系经理)
规则:学员每说一段必须以问题结尾。数一数——本篇他只"输出"了两次,其余全是提问和接话,但对话完全由他掌控。
学员
Great reception! Are you with Standard Chartered?
酒会真不错!你是渣打的吗?
Lily
Yes, I manage client relationships in North Asia. And you?
是的,我负责北亚客户关系。你呢?
学员
Asset management, from Shanghai. First time here — which sessions would you recommend tomorrow?
资管,上海来的。第一次参加——明天你推荐哪几场?
Lily
Don't miss the morning keynote. And the private markets breakout is always full.
别错过早上的主旨演讲,私募市场分会场每年都爆满。
学员
Good tip. Who's giving the keynote?
好建议。主旨演讲是谁讲?
Lily
Our group CIO. She's excellent — very direct, no fluff.
我们集团 CIO。她讲得很好——直接,不注水。
学员
Sounds like my kind of speaker. Is there a Q&A after?
听起来是我喜欢的风格。之后有问答环节吗?
Lily
Fifteen minutes, yes. People are usually too shy to ask, though.
有,15 分钟。不过大家通常不好意思提问。
学员
Then I'll ask the first question. It's the cheapest way to meet everyone at once, right?
那我来问第一个。这是一次性认识所有人最便宜的方式,对吧?
Lily
Ha! I like that attitude. What will you ask?
哈!我喜欢这个态度。你打算问什么?
学员
Probably about China allocations. That's my world. Could you introduce me to the CIO after, if she has a minute?
可能问中国配置,那是我的领域。会后方便的话,能引荐我认识 CIO 吗?
Lily
If you ask a good question, absolutely.
你问题问得好的话,没问题。
学员
Deal! Let me grab your contact so I can follow up.
成交!交换个联系方式,我好跟进。
Lily
Here's my card. See you at the keynote!
这是我名片。主旨演讲见!
🔧 口语表达优化(3 组)
✗ 被动等对方引导话题
✓ Which sessions would you recommend tomorrow?
请教式提问是最低成本的对话发动机,还顺便获取情报
✗ Can you help me?(太泛)
✓ Could you introduce me to the CIO after, if she has a minute?
请求要具体+给对方台阶(if she has a minute)
✗ I will contact you.(生硬)
✓ Let me grab your contact so I can follow up.
grab=拿一下(轻松口语);follow up 给联系一个理由
🎬 今日视频(教育·商务社交):华盛顿大学《商务英语》社交/会议篇(中英字幕)
挑"社交/会议"章节看 15 分钟 + 3-2-1 复述。
✅ 今日打卡
Day 14 · 周复盘(轻量日)+ 休闲电影时间
🎯 150 词口头快问快答;4 大话题各撑 2 分钟录音;晚上看电影片段放松
👥 抽查流程(30 min,与陪练伙伴一起)
① 词汇快问快答(10 min):从 Day 8–13 词卡随机抽 30 个,中→英,3 秒一个。错的записать下周热身用。
② 话题计时(16 min):市场行情 / 自己公司 / AI+资管 / 对方业务提问,每个 2 分钟录音。卡壳不停表,练带伤继续。
③ 听录音(4 min):挑最差的一段一起听,标 2 个问题,下周修。
💬 快问快答对话:教练连珠炮(12 轮,休闲难度)
教练
Quick round! Equities or bonds right now?
快问快答!现在选股票还是债券?
学员
Equities — but I'd keep some short-dated treasuries.
股票——但会留一些短久期美债。
教练
Active or passive?
主动还是被动?
学员
Active in China, passive in the US. Different markets, different games.
中国主动,美国被动。不同市场不同玩法。
教练
Biggest risk next year?
明年最大风险?
学员
Inflation coming back. That breaks the soft landing story.
通胀回头,软着陆故事就破了。
教练
AI — hype or real?
AI——炒作还是真的?
学员
Real, but not where people look. The edge is moving from information to judgment.
是真的,但不在大家盯着的地方。优势正从信息转向判断。
教练
One sentence — why should anyone give you money?
一句话——凭什么把钱交给你?
学员
We know China companies deeply, and we manage the downside first.
我们深度了解中国公司,而且先管住下行风险。
教练
Sold! See you at dinner.
成交!晚饭见。
学员
Ha! Enjoy the rest of the conference.
哈!祝你会议愉快。
🎬 今晚休闲:《商海通牒 Margin Call》经典对白(华尔街投行之夜)
当娱乐看,不做任务。听到喜欢的台词可以截下来。补充:Jeremy Irons 晨会演讲片段(下周电梯日会用到) · 《亿万》S1E1 看美剧学英语