2--Yeah，and we have to pay service charges every year.

1--So could you have suggestion for managing money?

2--We can invest in some financial programs.

1--Financial programs?  I have never thought about it.

2--There are many financial programs.In my opinion，foreign investment are the best in the market.

1--But the  exchange  rate  varies from time to time. Don't you think it's a little risky?

2--You can choose some low risk programs.

1--It seems that you are an expert in this aspect.

2--As a matter of fact，I just started to learn it but if you're interested in it，I can offer you some information.

1--It's nice of you.

2--It's my pleasure.

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注解：

1.cost-efficient有成本效益的

2.exchange rate外汇汇率

3.risky冒险的

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译文：

1--把钱存在银行太长时间是很不划算的。

2--是啊，我们每年还要交手续费。

1--那你有什么理财的建议吗?

2--我们可以投资一些理财项目啊。

1--理财项目?我可是从来没有想过。

2--有好多理财项目。依我看，外汇是最好的投资方向。

1--但是外汇汇率是随时在变化啊。你不觉得有点冒险吗?

2--你可以选择一些低风险的投资项目。

1--听起来你像这方面的专家。

2--其实我也是才开始学习理财，不过如果你有兴趣的话，我可以提供一些信息给你。

1--你真好。

2--乐意效劳。