guaranteed rate

简明释义

保证工资率

英英释义

例句

1.Investors are attracted to bonds that have a guaranteed rate of return.

投资者被那些有保证收益率的债券所吸引。

2.The insurance policy includes a guaranteed rate for cash value accumulation.

该保险政策包含了现金价值积累的保证利率。

3.You can lock in a guaranteed rate on your investment for up to ten years.

您可以将投资的保证利率锁定长达十年。

4.With this savings account, you will earn interest at a guaranteed rate every month.

通过这个储蓄账户，您每个月都能以保证利率获得利息。

5.The bank offers a mortgage with a guaranteed rate for the first five years.

这家银行提供一个为期五年的保证利率的抵押贷款。

作文

In today's world, financial literacy is more important than ever. As individuals seek to make informed decisions about their investments and savings, terms like guaranteed rate become essential to understand. A guaranteed rate refers to a fixed interest rate that is promised by a financial institution for a specific period of time. This means that regardless of market fluctuations, the investor will receive a predetermined return on their investment. Understanding this concept can significantly impact one's financial planning and investment strategy.For instance, when considering a savings account or a fixed deposit, many people are drawn to products that offer a guaranteed rate. This assurance provides peace of mind, especially in uncertain economic times. Knowing that their money will grow at a consistent rate allows individuals to plan their finances more effectively. It also helps in assessing risk; with a guaranteed rate, the risk of losing principal investment is minimized, making it an attractive option for conservative investors.Moreover, the benefits of a guaranteed rate extend beyond just individual savings accounts. Many retirement plans and pension funds also incorporate guaranteed rates to provide stability for future payouts. For example, if someone invests in a retirement annuity that offers a guaranteed rate, they can rest assured that they will receive a steady income during their retirement years, irrespective of how the stock market performs.However, it is crucial to compare different financial products that offer guaranteed rates. Not all guaranteed rates are created equal. Some may offer higher rates but come with additional fees or less favorable terms. Therefore, potential investors should conduct thorough research and consider factors such as the financial institution’s reputation, the duration of the guaranteed rate, and any penalties for early withdrawal. It's also worth noting that while guaranteed rates provide security, they may not always yield the highest returns compared to riskier investments like stocks or mutual funds. Investors must weigh the benefits of stability against the potential for higher growth in more volatile markets. This decision often depends on individual financial goals, risk tolerance, and time horizon.In conclusion, understanding the concept of a guaranteed rate is vital for anyone looking to secure their financial future. It serves as a foundation for making sound investment choices and can provide a sense of security in an unpredictable economic landscape. By incorporating guaranteed rates into their financial strategies, individuals can better navigate their financial journeys, ensuring that they are prepared for both short-term needs and long-term goals. Ultimately, the key to successful financial planning lies in balancing the stability offered by guaranteed rates with the potential for growth through other investment avenues.

在当今世界，金融素养比以往任何时候都更加重要。随着个人寻求对其投资和储蓄做出明智的决策，像guaranteed rate这样的术语变得至关重要。guaranteed rate是指金融机构承诺在特定时间内提供的固定利率。这意味着无论市场波动如何，投资者将获得预定的投资回报。理解这一概念可以显著影响一个人的财务规划和投资策略。例如，在考虑储蓄账户或定期存款时，许多人被提供guaranteed rate的产品所吸引。这种保证在不确定的经济时期提供了安心。知道他们的钱将以稳定的利率增长使个人能够更有效地规划财务。这也有助于评估风险；有了guaranteed rate，本金投资的损失风险最小化，使其成为保守投资者的一个吸引选项。此外，guaranteed rate的好处不仅限于个人储蓄账户。许多退休计划和养老金基金也采用guaranteed rates来为未来的支付提供稳定性。例如，如果某人投资于提供guaranteed rate的退休年金，他们可以放心，在退休期间，无论股市表现如何，他们都将获得稳定的收入。然而，比较提供guaranteed rates的不同金融产品至关重要。并非所有的guaranteed rates都是相同的。有些可能提供更高的利率，但附带额外费用或不太有利的条款。因此，潜在投资者应进行彻底的研究，并考虑诸如金融机构的声誉、guaranteed rate的持续时间以及提前取款的任何罚款等因素。还值得注意的是，虽然guaranteed rates提供安全性，但与股票或共同基金等风险更高的投资相比，它们可能并不总是产生最高的回报。投资者必须在稳定性和在更波动的市场中更高增长的潜力之间权衡。这一决定通常取决于个人的财务目标、风险承受能力和时间范围。总之，理解guaranteed rate的概念对于任何希望保障其财务未来的人来说都是至关重要的。它作为做出合理投资选择的基础，并可以在不可预测的经济环境中提供安全感。通过将guaranteed rates纳入其财务策略，个人可以更好地导航其财务旅程，确保他们为短期需求和长期目标做好准备。最终，成功财务规划的关键在于平衡guaranteed rates提供的稳定性与通过其他投资渠道实现增长的潜力。