time-adjusted investment

简明释义

按现值计算的投资

英英释义

例句

1.When analyzing past performance, it's crucial to consider time-adjusted investment 时间调整投资 metrics to get an accurate picture.

在分析过去的表现时，考虑<时间调整投资>指标是至关重要的，以获得准确的图景。

2.A time-adjusted investment 时间调整投资 approach can help investors understand the real value of their portfolios over time.

一种<时间调整投资>方法可以帮助投资者理解他们的投资组合随时间的真实价值。

3.The fund manager emphasized the importance of time-adjusted investment 时间调整投资 to maximize long-term gains.

基金经理强调了<时间调整投资>的重要性，以最大化长期收益。

4.Investors often prefer a time-adjusted investment 时间调整投资 strategy to ensure their returns are not affected by market volatility.

投资者通常更喜欢<时间调整投资>策略，以确保他们的回报不受市场波动的影响。

5.During the presentation, the analyst discussed various time-adjusted investment 时间调整投资 strategies that could benefit retirees.

在演示中，分析师讨论了各种可能使退休人士受益的<时间调整投资>策略。

作文

In the world of finance and investment, the concept of time-adjusted investment plays a crucial role in determining the effectiveness and efficiency of an investment strategy. Essentially, time-adjusted investment refers to the practice of considering the time value of money when evaluating potential investments. This means that the timing of cash flows is just as important as the amount of those cash flows. By adjusting for time, investors can achieve a more accurate assessment of an investment's true value.One of the fundamental principles behind time-adjusted investment is the idea that money available today is worth more than the same amount in the future due to its potential earning capacity. This concept is often encapsulated in the phrase "time is money." For instance, if an investor has the choice between receiving $1,000 today or $1,000 five years from now, the immediate payment is preferable because it can be invested to generate returns over those five years. Therefore, when analyzing investments, it is essential to account for the time factor to make informed decisions.To illustrate the significance of time-adjusted investment, consider two different investment opportunities: one offers a return of $10,000 in one year, while another promises $15,000 in five years. On the surface, the second option appears more lucrative, but when applying the principles of time-adjusted investment, we must calculate the present value of the future return to make a fair comparison. If the discount rate is set at 5%, the present value of the $15,000 received in five years would be less than $10,000 today, making the first option the better choice.Moreover, time-adjusted investment is not only applicable to individual investment choices but also to portfolio management. Investors often use techniques such as the Internal Rate of Return (IRR) and Net Present Value (NPV) to assess the performance of their portfolios over time. These metrics help in understanding how different investments contribute to overall portfolio growth when the time value of money is taken into account. By using time-adjusted investment strategies, investors can optimize their asset allocation and improve their chances of achieving long-term financial goals.Another critical aspect of time-adjusted investment is its relevance in risk management. Investments that require a longer horizon may carry different risks compared to those with shorter durations. By understanding the time implications of each investment, investors can better manage their exposure to various risks and make adjustments to their portfolios accordingly. This strategic approach allows for a more resilient investment strategy that can weather market fluctuations over time.In conclusion, the concept of time-adjusted investment is vital for any investor looking to maximize returns and minimize risks. By acknowledging the time value of money and adjusting investment evaluations accordingly, individuals can make more informed decisions that align with their financial objectives. Whether through calculating present values or utilizing advanced portfolio management techniques, the principles of time-adjusted investment provide a framework for achieving sustainable investment success in an ever-changing financial landscape.

在金融和投资的世界中，时间调整投资的概念在确定投资策略的有效性和效率方面起着至关重要的作用。基本上，时间调整投资是指在评估潜在投资时考虑资金的时间价值。这意味着现金流的时间安排与现金流的金额同样重要。通过时间调整，投资者可以更准确地评估投资的真实价值。时间调整投资背后的一个基本原则是，今天可用的钱比未来相同金额的钱更有价值，因为它具有潜在的盈利能力。这个概念通常用“时间就是金钱”这句话来概括。例如，如果投资者可以选择今天收到1000美元或五年后收到1000美元，立即支付是更可取的，因为它可以在这五年内进行投资以产生回报。因此，在分析投资时，考虑时间因素是至关重要的，以便做出明智的决策。为了说明时间调整投资的重要性，考虑两个不同的投资机会：一个在一年内提供10000美元的回报，而另一个承诺在五年内提供15000美元。从表面上看，第二个选项似乎更有利可图，但当应用时间调整投资的原则时，我们必须计算未来回报的现值，以便进行公平比较。如果折现率设定为5%，那么五年后收到的15000美元的现值将低于今天的10000美元，从而使第一个选项成为更好的选择。此外，时间调整投资不仅适用于单个投资选择，还适用于投资组合管理。投资者经常使用内部收益率（IRR）和净现值（NPV）等技术来评估其投资组合随时间的表现。这些指标有助于理解不同投资如何在考虑资金时间价值的情况下对整体投资组合增长的贡献。通过使用时间调整投资策略，投资者可以优化资产配置，提高实现长期财务目标的机会。时间调整投资的另一个关键方面是其在风险管理中的相关性。需要较长时间的投资可能会带来与短期投资不同的风险。通过理解每项投资的时间影响，投资者可以更好地管理对各种风险的暴露，并相应地调整他们的投资组合。这种战略方法允许更具弹性的投资策略，能够应对市场波动。总之，时间调整投资的概念对于任何希望最大化回报和最小化风险的投资者来说都是至关重要的。通过承认资金的时间价值并相应地调整投资评估，个人可以做出更明智的决策，从而与他们的财务目标保持一致。无论是通过计算现值还是利用先进的投资组合管理技术，时间调整投资的原则为在不断变化的金融环境中实现可持续投资成功提供了框架。