读后续写--六千元首付的奇迹：儿童投资背后的家庭智慧 讲义-湖南省新高考教学教研联盟暨长郡二十校联盟2024-2025学年高一下学期5月期中英语试题

阅读下面材料，根据其内容和所给段落开头语续写两段，使之构成一篇完整的短文。

Ruby and her siblings (兄弟姐妹), Angus,14, and Lucy,13, bought their first property (房产) together two years ago in Clyde, southeast of Melbourne, for $671,000. Today, the four-bedroom home is worth just under a million dollars at about$960,000.

Their hard-earned pocket money came from helping their parents around the house and packing book orders of their father’s how-to guide to investing (投资). Combined,they ended up with a $6,000 deposit (存款). CEO of property investment company OpenCorp, their dad, Cam McLellan, said kids today would need the “bank of mum and dad” to afford property, which was all the more reason to get started at an early age.

While Mr and Mrs McLellan covered the rest of the money for the house, they guided their children through the process to teach them about “smart investing”.

“What I did with the kids was that we went through step-by-step on how to pick the best investment,” Mr McLellan said, “First, we ruled out big cities where prices are too high. Then we looked for smaller towns with new roads and schools being built, where lots of people are moving in but there aren’t enough houses yet. Finally, we picked a house that’s not too big or too small for that area, so it’s easy to rent or sell later.”

The proud dad said that Ruby was “surprisingly knowledgeable for an eight-year-old”. “The other day she asked me about when you sell the property, how much money is left over, and I was explaining to her tax requirements to be paid and those sorts of things,” Mr McLellan said. “Even as an eight-year-old, she’s getting a grasp of the concept of buying and selling property.”

The family will keep the property in trust (托管) until the two eldest, Lucy and Angus, are in their early 20s, which will mean they’ve waited one“full growth property cycle” and the family hope it will reach $1 million. Once sold, the children will receive an equal portion of the profit after tax to set them up for future investments.

注意：

1.续写词数应为150左右;

2.请按如下格式在答题卡的相应位置作答。

Over the years, the children learned more.

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This story shows a powerful lesson

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一、续写分析

第一段续写分析

核心内容：孩子们在成长过程中深化投资知识，参与更多实践。

具体细节：

Ruby 的成长：从 8 岁到 12 岁，她开始主动研究房产市场数据，用零用钱模拟投资（如购买虚拟房产模型），并向父亲提问租金回报率、物业维护成本等专业问题。

Angus 和 Lucy 的实践：16 岁的 Angus 参与房屋租赁谈判，学会与租户沟通；15 岁的 Lucy 负责分析区域发展报告，用图表展示人口增长与房价趋势的关联。

家庭互动：父亲定期组织 “投资研讨会”，让孩子们汇报调研成果。某次讨论中，Ruby 提出 “环保装修提升房产价值” 的建议，被家人采纳并用于翻修计划。

情感与主题：通过具体事例展现孩子们从 “知识接受者” 到 “主动研究者” 的转变，突出家庭教育中 “实践出真知” 的理念，呼应 “早期财商培养” 的重要性。

第二段续写分析

核心内容：总结故事传递的教育意义，升华主题。

多维度升华：

对孩子的影响：当房产在十年后增值至 150 万澳元时，孩子们用分得的利润再次投资，形成 “投资 - 增值 - 再投资” 的良性循环，体现长期规划的价值。

对家庭的意义：父母通过 “托管 + 引导” 模式，避免溺爱，让孩子理解财富需通过知识与努力获得，而非依赖馈赠。

对社会的启示：对比 “啃老购房” 现象，指出早期财商教育能培养独立人格，减轻下一代经济压力，促进社会良性发展。

金句点睛：用 “播种金钱的种子，不如播种驾驭金钱的智慧” 等比喻，强调财商教育的本质是培养思维能力，而非单纯积累财富。

二、故事线

童年启动：三兄妹用零花钱攒下 6000 澳元首付，在父母资助下购买首套房产。

知识输入：父亲通过 “选址三步法”（排除大城市→聚焦发展中城镇→匹配房型）传授

投资逻辑。

实践成长：孩子们随年龄增长参与租赁、数据分析、装修决策等环节，将理论转化为能力。

价值增值：房产历经市场周期增值，孩子们通过托管期学习等待与长期规划。

理念传承：出售房产后，利润用于再投资，体现 “财商教育→独立理财→代际传承” 的闭环。

三、短语积累

grasp the concept of 理解... 的概念（如：理解买卖房产）

rule out 排除（如：排除高价大城市）

step-by-step guidance 循序渐进的指导（父亲的教育方式）

property cycle 房产周期（市场规律的学习）

tax requirements 税务要求（投资中的财务知识）

rent 回报率 rental yield（专业投资术语）

simulate investment 模拟投资（孩子的实践方式）

negotiate with tenants 与租户谈判（Angus 的实践）

analyze regional reports 分析区域报告（Lucy 的技能）

环保装修 eco-friendly renovation（Ruby 的创新建议）

in trust 托管（房产持有方式）

equal portion 均等份额（利润分配原则）

良性循环 virtuous cycle（投资习惯的形成）

财商教育 financial literacy education（核心主题）

长期规划 long-term planning（投资成功的关键）

四、主旨升华句

Teaching children to manage money isn’t about accumulating wealth—it’s about cultivating the wisdom to grow it responsibly.
教孩子理财不是积累财富，而是培养理智增值的智慧。

A family’s greatest inheritance isn’t property itself, but the financial literacy that empowers future generations.
家庭最宝贵的遗产不是房产，而是赋能后代的财商。

By involving children in investment decisions early, parents plant seeds of independence that