rate of return

简明释义

报酬率

英英释义

例句

1.A real estate project can have a rate of return of 10% or more.

一个房地产项目的回报率可以达到10%或更高。

2.Investors usually look for a rate of return that compensates for the risk involved.

投资者通常寻求一个能够补偿所涉及风险的回报率。

3.To calculate the rate of return, you need to know the initial and final values of your investment.

要计算回报率，你需要知道投资的初始值和最终值。

4.The investment's rate of return is higher than the market average.

该投资的回报率高于市场平均水平。

5.The rate of return on government bonds is typically lower than stocks.

政府债券的回报率通常低于股票。

作文

Understanding the concept of rate of return is crucial for anyone interested in investing or managing their finances effectively. The rate of return refers to the gain or loss made on an investment relative to the amount of money invested. It is typically expressed as a percentage, which allows investors to compare the profitability of different investments and make informed decisions. To illustrate, let’s consider a simple example. Imagine that you invest $1,000 in a stock and after one year, the stock's value increases to $1,200. The rate of return can be calculated using the formula: (Ending Value - Beginning Value) / Beginning Value x 100%. In this case, it would be ($1,200 - $1,000) / $1,000 x 100% = 20%. This means you earned a 20% return on your investment over the year.The rate of return is an essential metric because it helps investors assess the performance of their investments over time. A higher rate of return indicates a more profitable investment, while a lower rate may suggest that the investment is underperforming. However, it is important to note that a high rate of return often comes with higher risk. Therefore, investors must weigh potential returns against the risks involved when making investment decisions.Moreover, understanding the rate of return is not limited to stocks. It applies to various types of investments, including bonds, real estate, and mutual funds. For instance, if you purchase a rental property for $200,000 and earn $24,000 in rent annually, your rate of return on that investment can be calculated as follows: ($24,000 / $200,000) x 100% = 12%. This indicates that your rental property generates a 12% return on your investment each year.Investors should also consider the concept of time when evaluating the rate of return. A return of 10% over one year is different from a return of 10% over ten years. To account for this, investors often use the annualized rate of return, which standardizes returns over a specific period, allowing for better comparison across various investments.In addition to helping investors make informed decisions, the rate of return also plays a significant role in financial planning. By understanding the expected rate of return on investments, individuals can set realistic goals for their savings and retirement plans. For example, if someone aims to accumulate $1 million for retirement in 30 years, knowing the expected rate of return on their investments can help them determine how much they need to save each month to reach that goal.In conclusion, the rate of return is a vital concept in the world of finance and investing. It provides a clear picture of how well an investment is performing and helps investors make sound financial decisions. Whether one is investing in stocks, bonds, or real estate, understanding the rate of return can lead to more strategic investment choices and ultimately contribute to long-term financial success.

理解回报率的概念对任何有兴趣投资或有效管理财务的人来说都是至关重要的。回报率指的是相对于投资金额所获得或损失的收益。它通常以百分比表示，这使得投资者能够比较不同投资的盈利能力，并做出明智的决策。为了说明这一点，让我们考虑一个简单的例子。假设你投资了1000美元购买一只股票，经过一年后，这只股票的价值增加到1200美元。回报率可以使用公式计算： (结束价值 - 开始价值) / 开始价值 x 100%。在这种情况下，计算结果为（1200 - 1000）/ 1000 x 100% = 20%。这意味着你在这一年的投资中获得了20%的回报。回报率是一个重要的指标，因为它帮助投资者评估投资随时间的表现。较高的回报率表明投资更具盈利性，而较低的回报率可能表明投资表现不佳。然而，需要注意的是，高回报率通常伴随着更高的风险。因此，投资者在做出投资决策时必须权衡潜在收益与相关风险。此外，理解回报率并不仅限于股票。它适用于各种类型的投资，包括债券、房地产和共同基金。例如，如果你以200,000美元购买一处出租物业，每年赚取24,000美元的租金，那么该投资的回报率可以这样计算：（24000 / 200000）x 100% = 12%。这表明你的出租物业每年为投资产生了12%的回报。投资者在评估回报率时还应考虑时间因素。一年内10%的回报与十年内10%的回报是不同的。为了考虑这一点，投资者通常使用年化回报率，它将回报标准化为特定时期，从而使得不同投资之间的比较更加准确。除了帮助投资者做出明智的决策外，回报率在财务规划中也扮演着重要角色。通过了解投资的预期回报率，个人可以为储蓄和退休计划设定现实目标。例如，如果某人希望在30年内积累100万美元的退休金，了解其投资的预期回报率可以帮助他们确定每月需要存多少钱才能实现这一目标。总之，回报率是金融和投资领域中的一个重要概念。它清晰地展示了投资的表现，并帮助投资者做出合理的财务决策。无论是投资股票、债券还是房地产，理解回报率都能促使更具战略性的投资选择，并最终有助于长期的财务成功。