Category: Uncategorized

Savings goal
储蓄目标

Set. Save. Go!
设定。储蓄。前进！

Trying to save for that perfect vacation¹, latest gadget² or shiny³ new car?
正在为那个完美的假期、最新的电子产品或闪亮的新车而储蓄吗？

Remember to put some funds aside⁴ for retirement⁵ and other large expenses too – at least 10% your income, as a good rule of thumb⁶.
记得还要留出一些资金用于退休和其他大额支出——作为一个好的经验法则，至少要占收入的10%。

Set up one or more Savings Goals to stay on⁷ track and make all your dreams a reality⁸.
设定一个或多个储蓄目标，以保持进度，实现您的所有梦想。

Do not worry, you can stop any time.
不用担心，您可以随时停止。

1. vacation /vəˈkeɪʃn/ noun
   (North American English)(British English holiday)
   [uncountable, countable] a period of time spent travelling or relaxing away from home
   度假 ↩︎
2. gadget /ˈɡædʒɪt/ noun
   a small tool or device that does something useful
   小器具；小装置 ↩︎
3. shiny /ˈʃaɪni/ adjective
   smooth and bright; reflecting the light
   光亮的；锃亮的；反光的；有光泽的 ↩︎
4. aside /əˈsaɪd/ adverb
   to be used later
   留；存 ↩︎
5. retirement /rɪˈtaɪəmənt/ noun
   [uncountable, singular] the period of your life after you have stopped work, usually because you have reached a particular age
   退休生活 ↩︎
6. thumb /θʌm/ noun
   Idioms
   a rule of thumb
   ​a practical method of doing or measuring something, usually based on past experience rather than on exact measurement
   实用的估算方法，经验工作法（通常依据经验而非准确测量） ↩︎
7. stay on phrasal verb
   ​to continue studying, working, etc. somewhere for longer than expected or after other people have left
   留下来继续（学习、工作等） ↩︎
8. reality /riˈæləti/ noun
   [countable] a thing that is actually experienced or seen, in contrast to what people might imagine
   事实；实际经验；见到的事物
   make sth
   使……成为现实 ↩︎

Frequently asked questions
常见问题解答

What is Unit Trust?
A unit trust is a fund comprised of money contributed by multiple investors, which can include members of the general public. The more money an investor puts into the fund, the more units of the fund the investor weill recive. The fund is then invested into a variety of assets to achieve a stated investment objective by a team of professionals. Unit trusts are also known as mutual funds or collective investment schemes.
单位信托是一种由多个投资者（包括公众成员）共同出资组成的基金。投资者投入的资金越多，所获得的基金单位就越多。该基金由专业团队管理，投资于各种资产，以实现预定的投资目标。单位信托也被称为共同基金或集体投资计划。

What are some of the different types of Unit Trusts?
Equity Funds: These are funds that invest solely in stocks.
Fixed Income Funds: These are funds that invest soley in bonds.
Balanced Funds: These are funds that invest in a combination of stocks and bonds.
股票基金（Equity Funds）：这些基金仅投资于股票。
固定收益基金（Fixed Income Funds）：这些基金仅投资于债券。
平衡基金（Balanced Funds）：这些基金投资于股票和债券的组合。

What are the fees and charges when I invest in Unit Trusts through OCBC Digital?
The upfront sales charge that you will be paying will be shown on OCBC Digital when you purchase a fund. A one-time sales charges is applicable for lump sum investments.
A sale charge is applicable for recurring monthly investments into the fund.
当您通过OCBC Digital投资单位信托时，会有哪些费用和收费？
当您购买基金时，您需要支付的前期销售费用会在OCBC Digital上显示。一次性销售费用适用于一次性投资。
对于每月定期投资到基金中的情况，销售费用同样适用。

Am I eligible to buy Unit Trusts?
To be eligible to purchase Unit Trusts, please ensure that you are:
At least 21 years old.
Not a US citizen.
Not a UK resident, EU resident of person residing within the EEA.
我有资格购买单位信托吗？
要符合购买单位信托的条件，请确保您：
年满21岁。
不是美国公民。
不是英国居民、欧盟居民或居住在欧洲经济区（EEA）内的人员。

Can I buy a Unit Trust using my CPF or SRS money?
Yes you can, however only selected funds can be bought using CPR or SRS monies. Please ensure that your CPF or SRS account is opened or maintained with OCBC.
我可以使用我的公积金（CPF）或补充退休储蓄（SRS）资金购买单位信托吗？
可以，但只能使用公积金或补充退休储蓄购买特定的基金。请确保您的公积金或补充退休储蓄账户已在华侨银行（OCBC）开设或维护。

How long does it takes to purchase a Unit Trust?
When you buy a unit trust fund, trades are aggregated and sent to the fund house for settlement. You will only see the units allocated to you once the trades are settled. This will generally take 3-8 business days.
购买单位信托需要多长时间？
当您购买单位信托基金时，交易会被汇总并发送给基金公司进行结算。只有在交易结算后，您才会看到分配给您的基金单位。这通常需要3到8个工作日。

Will I be notified when my purchase has been successfully executed?
We will inform you through SMS and/or email once your trade is settled.
购买成功后，我会收到通知吗？
一旦您的交易结算完成，我们将通过短信和/或电子邮件通知您。

Can I sell my Unit Trust online?
Yes you can, howerver not all funds can be sold online. For funds that cannot be sold online, you may proceed to any of our branches to submit your redemption instructions.
我可以在线出售我的单位信托吗？
可以，然而并不是所有基金都可以在线出售。对于无法在线出售的基金，您可以前往任何一家分行提交赎回指示。

Does OCBC charge any fees for (a) selling a Unit Trust online or (b) submitting redemption instrucctions of a Unit Trust at OCBC Branches?
No. Note however that there many be fees charged by the fund houses for sale of a Unit Trust.
OCBC会收取任何费用吗？（a）在线出售单位信托或（b）在OCBC分行提交单位信托的赎回指示？
不会。然而，请注意，基金公司可能会收取单位信托出售的费用。

Hedge¹ your investement portfolio² with Gold and Silver.
用黄金和白银对冲你的投资组合。

Earn cash rewards³ and lucky draw⁴ chances⁵ when you refer overseas friends to OCBC.
当你推荐海外朋友使用OCBC时，赚取现金奖励和幸运抽奖机会。

Find your next opportunity⁶ to diversify⁷ your investments.
寻找下一个机会来多样化你的投资。

Diversify with Unit Trust: Access more top fund ideas and invest in a portfolio of asset, expertly⁸ managed by a fund manager.
通过单位信托实现投资多样化：获取更多顶级基金投资理念，并投资于由基金经理专业管理的资产组合。

Access our investment picks⁹: Choose from funds and collections¹⁰ that have been carefully curated¹¹ by our Wealth Panel¹².
访问我们的投资精选：从由我们的财富专家小组精心挑选的基金和投资组合中进行选择。

Invest using foreign currencies¹³: Gain¹⁴ access to even¹⁵ more funds in 6 different curriencies.
使用外币投资：获得6种不同货币的更多基金投资机会。

Project¹⁶ your dividends¹⁷: Calculate passive¹⁸ income¹⁹ from dividends you may earn²⁰.
预测你的股息：计算你可能获得的被动收入。

Make informed²¹ investment choices: Mitigate²² Environmental²³, Social and Governance²⁴ risks with ESG ratings.
做出明智的投资选择：通过ESG评级来降低环境、社会和治理风险。

Investments personalised to you: View our curated collections and top funds based on what you shared with us.
个性化投资推荐：根据你提供的信息，查看我们精心挑选的投资组合和顶级基金。

Security Advisory: Someone claiming²⁵ to be from OCBC or the police may demand²⁶ that you transfer funds to them as part of an investigation²⁷. Do not do so.
安全提醒：如果有人声称来自OCBC或警方，并要求你将资金转账给他们作为调查的一部分，请不要这样做。

1. hedge /hedʒ/ verb
   ​[transitive, intransitive] hedge (something) (against something) (finance) to protect yourself against losing money from an investment or bet
   对冲；套头交易；套期保值 ↩︎
2. portfolio /pɔːtˈfəʊliəʊ/ noun
   (finance) a set of shares owned by a particular person or organization
   （个人或机构的）投资组合，有价证券组合 ↩︎
3. reward /rɪˈwɔːd/ noun
   [countable, uncountable] a thing that you are given because you have done something good, worked hard, etc.
   奖励；回报；报酬 ↩︎
4. draw /drɔː/ verb
   ​[intransitive, transitive] to decide something by picking cards, tickets or numbers by chance
   抽（签、牌）；抓（阄） ↩︎
5. chance /tʃɑːns/ noun
   [countable] a suitable time or situation when you have the opportunity to do something
   机会；机遇；时机 ↩︎
6. opportunity /ˌɒpəˈtjuːnəti/ noun
   a time when a particular situation makes it possible to do or achieve something
   机会；时机 ↩︎
7. diversify /daɪˈvɜːsɪfaɪ/ verb
   [intransitive, transitive] to change or to make something change so that there is greater variety
   （使）多样化，变化，不同 ↩︎
8. expertly /ˈekspɜːtli/ adverb
   in a way that shows or involves great knowledge or skill ↩︎
9. pick /pɪk/ noun
   [singular] (rather informal) an act of choosing something
   挑选；选择 ↩︎
10. collection /kəˈlekʃn/ noun
    [countable] a group of objects, often of the same sort, that have been collected
    （常指同类的）收集物，收藏品 ↩︎
11. curate /kjʊəˈreɪtɪd/ verb
    curate something to collect, select and present information or items such as pictures, video, music, etc. for people to use or enjoy, using your professional or expert knowledge
    精选并分享（信息、图片、视频、音乐等） ↩︎
12. panel /ˈpænl/ noun
    [countable + singular or plural verb] a group of specialists who give their advice or opinion about something; a group of people who discuss topics of interest on television or radio
    专家咨询组；（广播、电视上的）讨论小组 ↩︎
13. currency /ˈkʌrənsi/ noun
    [countable, uncountable] the system of money that a country uses
    通货；货币 ↩︎
14. gain /ɡeɪn/ verb
    [transitive] to obtain or win something, especially something that you need or want
    获得；赢得；博得；取得 ↩︎
15. even /ˈiːvn/ adverb
    used when you are comparing things, to make the comparison stronger
    （用以加强比较）甚至更，愈加，还 ↩︎
16. project /prəˈdʒekt/ verb
    [transitive, usually passive] to estimate what the size, cost or amount of something will be in the future based on what is happening now
    预测；预计；推想 ↩︎
17. dividend /ˈdɪvɪdend/ noun
    an amount of the profits that a company pays to people who own shares in the company
    股息；股利 ↩︎
18. passive /ˈpæsɪv/
     adjective
    accepting what happens or what people do without trying to change anything or oppose them
    消极的；被动的 ↩︎
19. income /ˈɪnkʌm/,  /ˈɪnkəm/ noun
    the money that a person, a region, a country, etc. earns from work, from investing money, from business, etc.
    收入；收益；所得 ↩︎
20. earn /ɜːn/ verb
    [transitive] to get money as profit or interest on money you lend, have in a bank, etc.
    生（利）；获（利） ↩︎
21. informed /ɪnˈfɔːmd/ adjective
    (of a decision or judgement) based on an understanding of the facts of a situation
    了解清楚情况后作出的 ↩︎
22. mitigate /ˈmɪtɪɡeɪt/ verb
    mitigate something to make something less harmful, serious, etc.
    减轻；缓和 ↩︎
23. environmental /ɪnˌvaɪrənˈmentl/  adjective
    connected with the natural conditions in which people, animals and plants live; connected with the environment
    自然环境的；生态环境的；有关环境的 ↩︎
24. governance /ˈɡʌvənəns/ noun
    the activity of governing a country or controlling a company or an organization; the way in which a country is governed or a company or institution is controlled
    统治；管理；统治方式；管理方式 ↩︎
25. claim /kleɪm/ /ˈkleɪmɪŋ/ verb
    [transitive] to say that something is true although it has not been proved and other people may not believe it
    宣称；声称；断言 ↩︎
26. demand /dɪˈmɑːnd/ noun
    [countable] a very strong request for something; something that somebody needs
    （坚决的）要求；所需之物 ↩︎
27. investigation /ɪnˌvestɪˈɡeɪʃn/ noun
    an official examination of the facts about a situation, crime, etc.
    （正式的）调查，侦察 ↩︎

英文名	中文名	总部
HSBC Asset Management	汇丰资产管理公司	London
DWS asset management	DWS集团/德意志资产管理	Frankfurt
Lion Global Investors	利安资金管理公司	Singapore
Franklin Templeton	富兰克林邓普顿投资	San Mateo, California
Alliance Bernstein	联博基金
BlackRock	贝莱德集团/黑石集团
J.P. Morgan Asset Management	摩根资产管理
Allianz Global Investors	安联环球投资
Aberdeen Asset Management	安本资产管理
Fidelity International	富达国际	Pembroke，UK
First State	首源投資
Goldman Sachs	高盛	New York
Henderson Global Investors	骏利亨德森投资	London
Legg Mason	美盛资产管理	Baltimore, MD
Neuberger Berman	纽伯格伯曼
Schroder Investment Management	施罗德投资	London
Amundi	锋裕汇理/东方汇理	Paris
PIMCO Global Advisors	太平洋投资管理公司（安联）/品浩	Newport Beach, California
Fullerton Fund Management	富敦投资管理（淡马锡）	Singapore

01. custody /ˈkʌstədi/ noun
[uncountable]
the legal right or duty to take care of or keep somebody/something; the act of taking care of something/somebody
保管权；监护权；保管；照看；监护
the state of being in prison, especially while waiting for trial
（股票、债券等的）托管，保管

02. escrow

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Elevate Your English with ChatGPT

“Custody”和“Escrow”在表达“托管”时有不同的含义和应用场景，虽然它们都涉及到资产的保管或管理。

1. Custody (托管)

• 含义: “Custody” 指的是某人或机构为另一方保管资产、证券、或财产。托管人（如银行、金融机构）负责保管和管理资产，但通常不参与资产的买卖或转移。
• 应用场景: 常用于金融领域，如股票、债券、基金的保管。托管人负责确保资产安全，并根据委托人的指示执行交易。
• 例子:
  • “The bank provides custody services for the client’s investment portfolio.”（银行为客户的投资组合提供托管服务。）

2. Escrow (第三方托管)

• 含义: “Escrow” 是一种特殊的托管方式，指的是由第三方持有资产或资金，直到特定条件或协议条款得到满足。第三方在条件满足后，才会将资产或资金交给最终受益人。
• 应用场景: 常见于房地产交易、并购、软件开发（如代码托管）等。Escrow 的核心是确保交易双方的权益，直到协议中约定的条件完成。
• 例子:
  • “The funds are held in escrow until the property deal is finalized.”（资金由第三方托管，直到房产交易完成。）

总结

• Custody 强调的是对资产的长期保管和管理，更注重安全性和维护。
• Escrow 更侧重于在特定条件达成之前的短期托管，起到确保交易公平性的作用。

简单来说，Custody 更适合描述金融资产的保管，而 Escrow 则常用于需要第三方临时保管资产以确保协议履行的场景。