Money and investments
Personal finance, saving and investing
Context
Listen to the dialogue. Tap the speaker to hear each line.
Asesora
¿Cuál es tu objetivo financiero a largo plazo?
What is your long-term financial goal?
Cliente
Quiero comprar un departamento en cinco años.
I want to buy an apartment in five years.
Asesora
Entonces deberías ahorrar al menos un veinte por ciento de tu sueldo.
Then you should save at least twenty percent of your salary.
Cliente
¿Y en qué me recomiendas invertir?
And what do you recommend I invest in?
Asesora
Un fondo indexado es una buena opción para empezar: diversificado y de bajo costo.
An index fund is a good option to start: diversified and low-cost.
Cliente
¿Qué riesgos tiene?
What risks does it have?
Asesora
A corto plazo puede bajar, pero a largo plazo históricamente ha subido.
In the short term it can go down, but in the long term it has historically gone up.
Practice the dialogue
Choose a role. You'll hear my line and then record yours, automatically, turn by turn.
I'll practice the role of:
Dialogue recorded! Press play to hear the full conversation.
Choose your role to start
Vocabulary
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el presupuesto
Hago un presupuesto mensual.
'Ajustarse al presupuesto' = to stick to the budget.
the budget
SaveGrammar in 1 minute
Deberías / es mejor + infinitive (advice)
Financial advice: 'deberías ahorrar', 'es mejor invertir', 'te conviene diversificar'. 'Conviene + infinitive' = it is advisable to.
Deberías ahorrar el veinte por ciento. Te conviene diversificar tus inversiones.
Te conviene + inf = it is worth/wise for you to.
A corto plazo / a largo plazo
Time frames: 'a corto plazo' (short term), 'a mediano plazo' (medium), 'a largo plazo' (long term). 'Históricamente ha subido' — present perfect for experience/history.
A corto plazo puede bajar, pero a largo plazo ha subido.
Present perfect (ha subido) for historical trends.
Interactive practice
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What is said about the index fund?
Listen and choose the correct option.
What is said about the index fund?
Deberías … al menos el veinte por ciento.
Write the missing word or words.
Accents optional: write "como estas" and it works.
matching
Connect each Spanish word with its English meaning.
Give financial advice to a friend who wants to buy a house…
Write your answer in Spanish.
Give financial advice to a friend who wants to buy a house (use deberías and te conviene).
Suggested answer: Deberías ahorrar cada mes. Te conviene invertir en un fondo diversificado.
Te conviene diversificar tus inversiones a largo plazo.
Listen and repeat the sentence out loud.
Te conviene diversificar tus inversiones a largo plazo.
It is wise for you to diversify your investments in the long term.
Listen, pause and repeat out loud. Repeat 3 times until it sounds natural.
Pronunciation trainer
Final quiz
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