guaranteed capital

简明释义

保证资本

英英释义

例句

1.When choosing an investment, it is wise to consider whether it offers guaranteed capital or not.

在选择投资时，明智的做法是考虑它是否提供保证资本。

2.In times of economic uncertainty, many people seek guaranteed capital options to protect their savings.

在经济不确定时期，许多人寻求保证资本选项以保护他们的储蓄。

3.Investors are often attracted to funds that offer guaranteed capital for added security.

投资者通常被提供保证资本的基金所吸引，以增加安全性。

4.Many retirement plans include features that provide guaranteed capital to help retirees feel secure.

许多退休计划包括提供保证资本的功能，以帮助退休人员感到安全。

5.The insurance policy promised guaranteed capital upon maturity, ensuring a safe return for policyholders.

这份保险政策承诺在到期时提供保证资本，确保投保人获得安全回报。

作文

In the world of finance and investment, the term guaranteed capital refers to a type of investment that assures investors that they will receive their initial investment back, regardless of market conditions. This concept is particularly appealing to conservative investors who prioritize the preservation of their capital over the potential for high returns. Understanding the implications and benefits of guaranteed capital is essential for anyone looking to navigate the complexities of investment options. One of the primary advantages of guaranteed capital is the peace of mind it offers. Investors can rest easy knowing that their hard-earned money is safe from the unpredictable fluctuations of the stock market. For instance, many insurance products, such as whole life insurance and fixed annuities, provide a form of guaranteed capital. These financial instruments not only offer a safety net but also often come with additional benefits, such as a cash value accumulation or death benefits. Moreover, guaranteed capital is particularly beneficial in times of economic uncertainty. During periods of recession or market downturns, investors with guaranteed capital can avoid the stress and anxiety that typically accompany significant losses. Instead of worrying about the value of their investments plummeting, they can focus on long-term financial goals, knowing that their principal investment is secure. However, it is important to recognize that while guaranteed capital provides security, it may also come with limitations. Investments that offer guaranteed returns often yield lower interest rates compared to riskier investments. For example, while stocks have the potential for substantial gains, they also carry a higher risk of loss. Consequently, investors must carefully consider their risk tolerance and financial objectives when deciding whether to pursue options with guaranteed capital. Additionally, the liquidity of investments offering guaranteed capital can be a concern. Many of these products require funds to be locked in for a specific period, which means that investors may not have immediate access to their money if an urgent need arises. This trade-off between security and liquidity is a critical factor that individuals should weigh before committing to investments that guarantee capital. In conclusion, guaranteed capital serves as a vital component of a well-rounded investment strategy, especially for those who prioritize capital preservation. While it offers security and peace of mind, investors must also be mindful of the potential trade-offs, such as lower returns and reduced liquidity. By thoroughly understanding the nature of guaranteed capital and its implications, investors can make informed decisions that align with their financial goals and risk tolerance. Ultimately, balancing the desire for growth with the need for security is key to achieving long-term financial success.

在金融和投资的世界中，术语保证资本指的是一种投资，确保投资者无论市场条件如何，都能收回其初始投资。这个概念对保守型投资者尤其具有吸引力，因为他们更注重资本的保值，而不是追求高回报。理解保证资本的含义和好处，对于任何希望在复杂投资选项中导航的人来说都是至关重要的。 保证资本的主要优势之一是它所提供的安心感。投资者可以放心，他们辛苦赚来的钱不会受到股市不可预测波动的影响。例如，许多保险产品，如终身寿险和固定年金，提供一种形式的保证资本。这些金融工具不仅提供了安全网，通常还附带其他好处，例如现金价值积累或死亡福利。 此外，在经济不确定时期，保证资本特别有利。在衰退或市场下滑期间，拥有保证资本的投资者可以避免因重大损失而带来的压力和焦虑。与其担心投资价值暴跌，他们可以专注于长期财务目标，知道自己的本金投资是安全的。 然而，重要的是要认识到，虽然保证资本提供了安全性，但它也可能伴随限制。提供保证回报的投资通常比风险较高的投资收益率低。例如，尽管股票具有可观收益的潜力，但它们也带来了更高的损失风险。因此，投资者在决定是否追求具有保证资本的选项时，必须仔细考虑自己的风险承受能力和财务目标。 此外，提供保证资本的投资的流动性可能是一个问题。许多这些产品要求资金在特定期限内锁定，这意味着如果出现紧急需求，投资者可能无法立即获得他们的钱。这种安全性与流动性之间的权衡是个人在承诺于保证资本的投资之前应权衡的关键因素。 总之，保证资本作为全面投资策略的重要组成部分，尤其适合那些优先考虑资本保值的人。虽然它提供了安全性和安心感，但投资者也必须注意潜在的权衡，例如较低的回报和流动性降低。通过充分理解保证资本的性质及其影响，投资者可以做出符合其财务目标和风险承受能力的明智决策。最终，在追求增长与需要安全之间找到平衡，是实现长期财务成功的关键。