Unit 5

INVESTMENT
Lecturer: Tran Hai Ha
 Objectives
• Talk about types of investment
• Talk about investment portfolios
• Talk about the stock market
• Talk about arrangements and
appointments
Today's Highlight
1 Investing Money

2 Spreading the risk

3 The stock market

Arrangements and
4
appointments

5 Review
 Part 1 Investing Money

Guess what types of investment

buying stamps pop stars memorabilia property in hope that the price
wil go up and gaining profits in
the future
 Underlines four
things that people
Part 1 Investing Money
buy as investment
INVESTING YOUR MONEY

Investment means using money to buy something (an asset) with the aim of making a profit by
selling that asset at a higher price some time in the future. There are many different types of
investments. Some people put their money in art, stamps, or collectibles. Other people invest in
shares and become part owners of a company. Not only can they make a profit by selling those
shares at a higher price than they paid for them, but they can receive a dividend - a share of the
profits which the company gives to its shareholders every year. People often ask about the
difference between savings and investments. Sometimes the two terms appear interchangeable,
but there is a big difference. Quite simply, investment involves some kind of capital risk. There
is no guarantee that you will make a profit. In fact, the price of your assets may fall and you may
not even get back your capital, the money you put in. Some banks call their savings accounts
'investment accounts', but this is misleading. The only risk of savings accounts is that inflation
will reduce the value of the money you put in them. There is no risk of losing your capital.
Part 1 Investing Money
True (T) or False (F)

There is no difference between savings and investments.

1F
Buying art and buying shares are both types of investments
2T

3T Investments involve more risk than savings.

There are two ways in which shareholders can make money

4T from their shares.

5F Savings accounts involve no risk at all

 Part 1 Investing Money

MATCH THE WORDS IN THE BOX MATCHING THESE DEFINITIONS 1-7

asset capital collectibles dividend guarantee profit risk
1.certainty that something will
5. a valuable item that can be sold for
guarantee
happen:________
cash:_____asset
2. the possibility that you will make a
6. things that have value because many
risk
loss:____
people are interested in owning
3. the money you pay for an asset or put into
capital
them:_________collectibles
a savings account:______
7. a share in the profits of a company,
4. the money you make when you sell
which is paid to the shareholders:_______
something for a higher price than you paid dividend
for it:_____ profit
 Part 1 Investing Money
LISTEN AND GUESS WHICH TYPES OF INVESTEMENT IN THE
BOX DOES THE FINANCIAL ADVISER MENTION?

art gold

bonds property

mutual
shares
funds
Part 1 Investing Money
Match investments A,B,C to what the financial adviser says
A. bonds B. mutual funds C.shares

1. There isn't a predictable rate of return.____ C

2. There is little risk, but the returns are quite low.____ B
3. You put your money together with money from other
investors.____ C
4. There is no guarantee you can make a profit.____ A
5. You get your capital back on a certain date in the future.____
B change from day to day.____
6. Your earnings
C
 Part 1 Investing Money
capital dividend fixed guarantee open-end predictable
profit rate of return risk
fixed2.5% for five years, which is quite low,
1. The interest rate is_____at
so I am looking for an investment with a better___________.
rate
2. No type of of return comes with a________that you will make a
investment
profit. Sometimes you may make a loss. guarantee
3. New investors can join at any time because it is an________fund.
4. This investment doesn't have a fixed interest rate so the amount you
earn open-end
i not_________.

predictable
 Part 1 Investing Money
capital dividend fixed guarantee open-end predictable
profit rate of return risk

5. He sold his art collection and made a_____ofprofit

$15,000.
riskyou won't get back
6. With any investment, there is always a____that
the money you put in.
7. On the date when a bond matures, the company or government
pays back your______. capital

8. The company is doig well, so shareholders will get a good_______

dividend
this year.
Part 1 Investing Money

Review what we’ve learned

• Language
Investment expressions
He made a profit of ...
The interest rate is fixed at ...
• Vocabulary
Expressions
guarantee, predictable, fixed, ...
Investment types
shares, bonds, mutual funds,...
 Part 2

Spreading the risk

Part 2 Spreading the risk
What is the main aim of a portfolio?
 Part 2 Spreading the risk Read again and
complete the
assets chances financial goals management risk spreading sentences
types

1.A portfolio combines different ____types

of investments.
2.The aim of a portfolio is to minimise___ risk
management
3.A bank may offer a portfolio __________ service to its
customers.
spreading
4.Diversification is a way of ________ risk.
assets
5.Portfolio managers choose _____to include in the portfolio.
 Part 2 Spreading the risk Read again and
complete the
assets chances financial goals management risk spreading sentences
types

6. The manager ____goals

makes of the customer affect the
decisions that the portfolio manager makes.
financial
7. Investors all have different ______ needs.
chancesof making a profit are improved if the
8. The _______
investor's portfolio is diversified.
 Part 2 Spreading the risk
TRUE or FALSE
T 1. A portfolio increases an investor's chances of making a profit.
2. Portfolios only include limited types of investments.
F 3. All the investments in a portfolio are likely to make the same
F amount of profit.

4. Portfolio managers look at economic conditions when they make

T decisions about what assets to put in a portfolio.
5. Most portfolios are very similar.
6. Most investors have the same financial needs.
F
F
 Read and Listen to
Part 2 Spreading the risk match
Part 2 Spreading the risk
Review what
we’ve learned
• Language
Investment portfolios

• Vocabulary
Expressions
minimise risk, diversify, high return,...
 Part 3

The stock
market
 index (singular)
Part 3 The stock market -> indices (plural)

Stock exchanges Index

Fill in the table
1 New York
Dow Jones
2 Frankfurt
DA
3 London X
AT FTSE 100
DA
4 Tokyo
X X
Nikkei
Dow Jones Nikkei 5 Hong Kong
Hang Seng
6 Vienna
AT
FTSE 100 Hang Seng
X
 Part 3 The stock market Excercise with
index

Stock exchanges Index

1 New York 1. In breaking news from New York, the _______ index
Dow Jones
isDow
up thirty
Jones points after an exciting day's trading.
2 Frankfurt
DA 2. The ___ in Frankfurt is falling, following bad news
3 London X
about the
DAGerman economy.
FTSE 100 X
4 Tokyo 3. It's been a bad day for shares in London and the
Nikkei ______ is down three points.
5 Hong Kong FTSE just
100 in from the Asian markets, the ____
4. And news
Hang Seng
6 Vienna and ______ _are both holding steady.
AT Nikkei Hang Seng
X
 Part 3 The stock market
Review what
we’ve learned
• Language
Plurals
index/indices
• Vocabulary
Stock exchanges
Stock indices
Nikkei, Hang Seng, Dow Jones, ...
 Part 4
Arrangements and
appointments
 Arrangements and
Part 4 appointments
Present continuous

A: What are you doing next week?

B: On Monday, I'm interviewing a new personal assistant
We can use the present continuous to talk about
future plans or arrangements.
A: Are you flying to Brussels this afternoon?
B: Yes, I am. / No, I'm not.

A: Are you flying to Brussels this afternoon?

We use the form be + verb + -ing. B: Yes, I am. / No, I'm not.

Next week, I'm travelling to Seoul on business.

We're meeting at 11.45 tomorrow to discuss a portfolio

 Arrangements and
Part 4 appointments Complete Mark’s diary
Mark Hunter is an investment banker at UBCS International. He's looking at his diary and checking his appointments for next week. At 10 am on
Monday, he's interviewing a new personal assistant. He is flying to Brussels at 2 pm on Tuesday afternoon. He is coming back on Wednesday evening at 5
pm. On Thursday morning at 8 am, he's having breakfast with some colleagues. And on Friday at 11 am, he's meeting an important customer, Saleh Aoun,
to discuss new investments for his portfolio.
Calendar
Monday Tuesday Wednesday Thursday Friday
May 2 May 3 May 4 May 5 May 6
8am
9am breakfast with colleagues

10am
interviewing new personal assistant meeting Sasha Dubois
11am
at ING
lunch Barbara and meeting Saleh Aoun
12pm
Vikram
lunch Georg
1pm
Bergmann
fly(ing) to Brussels
2pm
3pm
meeting Tony Price at
4pm
Sony coming back from Brussels
5pm tennis Peter
6pm
 Arrangements and
Part 4 appointments

Prepositions of time

We use on with days and dates I'm meeting him on Tuesday / on 24 June / on Friday evening.

I'm meeting him in September / in the summer / in the

We use in with parts of the day and longer periods of time.
morning.

We use at with clock times. We also say: at night, at the

I'm meeting him at five o'clock / at night / at the weekend.
weekend, at Easter, at the moment.

We do not use on, in or at when we use next, last, every, this,

I'm meeting him next week / month / year.
yesterday, or tomorrow.
 Arrangements and
Part 4 appointments Listen and complete
the conversation with
Ben: Hi, Sue. How are you? at, on, in or next
Sue: Great, thanks.
Ben: You're going on vacation soon, aren't you?
Sue: Yes. I'm going to Spain (1) ___next
week.
Ben: Lucky you! When are you flying?
onWednesday.
Sue: I'm flying (2) ___
in the morning or (4) ___ the
Ben: (3) ___ Atafternoon?
At five o'clock in the morning.
Sue: (5) ___
Ben: That's early! Are you driving to the airport?
at o'clock!
Sue: No, I'm taking a taxi. It's coming to pick me up (6) ___ three
Ben: And what time are you arriving in Spain?
Atlunchtime. Paolo and Pilar are meeting me at the airport and taking me to their house.
Sue: (7) ___
Ben: Is Jim going with you?
on fly with me (9) ___ Thursday on
Sue: Yes, but he's meeting an important customer (8) ___ he can't so Wednesday. He's joining
me (10) ___ this summer? the weekend. at What about you? Are you taking a vacation
Ben: I don't know yet. Maybe (11) ___nextmonth.
 Arrangements and
Part 4 appointments
• Language
Present continuous
Who is he meeting on Wednesday?
Prepositions of time
on Tuesday, in September, at five o'clock, ...

Review what
• Vocabulary we’ve learned
Appointments
Part 5

Review
Part 1 Investing Money

Review what we’ve learned

• Language
Investment expressions
He made a profit of ...
The interest rate is fixed at ...
• Vocabulary
Expressions
guarantee, predictable, fixed, ...
Investment types
shares, bonds, mutual funds,...
Part 2 Spreading the risk
Review what
we’ve learned
• Language
Investment portfolios

• Vocabulary
Expressions
minimise risk, diversify, high return,...
 Part 3 The stock market
Review what
we’ve learned
• Language
Plurals
index/indices
• Vocabulary
Stock exchanges
Stock indices
Nikkei, Hang Seng, Dow Jones, ...
 Arrangements and
Part 4 appointments
• Language
Present continuous
Who is he meeting on Wednesday?
Prepositions of time
on Tuesday, in September, at five o'clock, ...

Review what
• Vocabulary we’ve learned
Appointments
 Part 5 Review
Listen and
answer the
1. What does Sarah want to talk to Robert about? questions
LDC Ltd's portfolio
___________________________________

2. What day and time does Robert suggest for the meeting?
Thursday at 2 pm
__________________________________________

3. Why is this not a good time for Sarah?

She is having lunch with her boss at 1 pm and doesn't think she
____________________________
will be free until 2.30.
4. What day and time do they agree on?
Thursday at 3 pm
_____________________________
 Part 5 Review Write sentences
1. Robert/see / Charles Simmons / weekend using the prompts
Robert is seeing Charles Simmons at the weekend.
________________________________
2. Robert/ play golf / Charles / Sunday
Robert is playing golf with Charles on Sunday.
_____________________________
3. Sarah/meet John Gilmore / 25th June
Sarah is meeting John Gilmore on 25 June.
_____________________________
4.Sarah/give seminar/ new trainees / Monday two o'clock
Sarah is giving a seminar to the new trainees on Monday at two o'clock.
_____________________________________________________
5. Sarah/have dinner / Julian and Steve / Monday evening
Sarah is having dinner with Julian and Steve on Monday evening.
_______________________________________________
6. Sarah and Robert / have a meeting / next Tuesday 11 o'clock
Sarah and Robert are having a meeting next Tuesday at 11 o'clock.
_________________________________________________
Thank You!