annual return

简明释义

公司年报

英英释义

例句

1.To assess the performance of your investment, calculate the annual return over the past decade.

要评估您投资的表现，请计算过去十年的年回报率。

2.A consistent annual return can indicate a stable investment strategy.

稳定的年回报率可能表明一种稳定的投资策略。

3.Many retirement accounts aim for an annual return of at least 7% to ensure growth.

许多退休账户的目标是确保至少7%的年回报率以确保增长。

4.Investors often look for stocks with a high annual return to maximize their profits.

投资者通常寻找具有高年回报率的股票以最大化他们的利润。

5.The annual return on this mutual fund has averaged 8% over the last five years.

这个共同基金的年回报率在过去五年中平均为8%。

作文

Investing in various financial instruments is a common practice among individuals and institutions alike. One of the primary metrics used to evaluate the performance of investments is the annual return. The term annual return refers to the percentage gain or loss on an investment over a one-year period. Understanding this concept is crucial for investors as it helps them to assess the effectiveness of their investment strategies and make informed decisions about where to allocate their resources.The calculation of annual return can be relatively straightforward. For instance, if an investor purchases a stock at $100 and sells it a year later for $120, the annual return would be calculated as follows: (Selling Price - Purchase Price) / Purchase Price * 100%. In this case, the annual return would be (120 - 100) / 100 * 100% = 20%. This simple formula allows investors to quickly gauge how well their investments are performing in relation to their initial costs.However, it is essential to note that the annual return does not account for other factors such as taxes, fees, or inflation, which can significantly impact the actual profit realized by an investor. Therefore, while the annual return provides a useful snapshot of performance, it should not be the sole metric used when evaluating an investment. Investors must consider the net return, which takes into account these additional factors to provide a clearer picture of their true earnings.Moreover, the annual return can vary greatly depending on the type of investment. For example, stocks may offer higher potential annual returns compared to bonds, but they also come with greater risks. Understanding the risk-return trade-off is vital for investors looking to build a diversified portfolio that aligns with their financial goals and risk tolerance. A balanced approach often includes a mix of assets that can provide stability while still offering opportunities for growth.In addition to individual investments, the concept of annual return is also applicable to mutual funds and other pooled investment vehicles. Fund managers typically report the annual return of their funds to help investors compare performance against benchmarks or other funds. This transparency is beneficial as it allows investors to make more educated choices regarding their investments based on historical performance.Another important aspect of the annual return is its role in long-term financial planning. By understanding the expected annual return of different investment options, individuals can better plan for retirement, education expenses, and other significant financial goals. For example, if an investor anticipates an annual return of 7% from a diversified stock portfolio, they can use this information to calculate how much they need to save each month to reach their desired retirement savings target.In conclusion, the annual return is a fundamental concept in the world of investing that provides valuable insights into the performance of investments over time. While it serves as a useful tool for measuring success, investors should always consider it in conjunction with other factors to ensure they are making well-rounded financial decisions. By comprehensively understanding the annual return, investors can enhance their ability to navigate the complexities of the financial markets and work towards achieving their financial objectives.

投资各种金融工具是个人和机构普遍的做法。评估投资表现的主要指标之一是年回报率。术语年回报率指的是投资在一年内的百分比收益或损失。理解这个概念对投资者至关重要，因为它帮助他们评估投资策略的有效性，并就资源的配置做出明智的决策。计算年回报率相对简单。例如，如果一位投资者以100美元购买一只股票，并在一年后以120美元出售，那么年回报率将按以下公式计算：(出售价格 - 购买价格) / 购买价格 * 100%。在这种情况下，年回报率为(120 - 100) / 100 * 100% = 20%。这个简单的公式使投资者能够快速评估他们的投资相对于初始成本的表现。然而，重要的是要注意，年回报率并不考虑其他因素，如税收、费用或通货膨胀，这些因素可能会显著影响投资者实际获得的利润。因此，虽然年回报率提供了一个有用的表现快照，但它不应是评估投资时唯一使用的指标。投资者必须考虑净回报，这考虑到这些附加因素，以提供更清晰的真实收益图景。此外，年回报率在不同类型的投资中可能有很大差异。例如，股票可能提供比债券更高的潜在年回报率，但它们也伴随着更大的风险。理解风险与回报的权衡对希望建立与自身财务目标和风险承受能力相符的多样化投资组合的投资者至关重要。平衡的方法通常包括混合资产，以提供稳定性，同时仍然提供增长机会。除了单个投资外，年回报率的概念同样适用于共同基金和其他集合投资工具。基金经理通常报告其基金的年回报率，以帮助投资者与基准或其他基金进行表现比较。这种透明度是有益的，因为它允许投资者根据历史表现做出更明智的投资选择。年回报率的另一个重要方面是它在长期财务规划中的作用。通过了解不同投资选项的预期年回报率，个人可以更好地规划退休、教育费用和其他重大财务目标。例如，如果投资者预计多元化股票投资组合的年回报率为7%，他们可以利用这些信息计算每月需要储蓄多少，以达到所需的退休储蓄目标。总之，年回报率是投资世界中的一个基本概念，为投资表现提供了宝贵的见解。虽然它作为衡量成功的有用工具，但投资者在做出全面的财务决策时应始终考虑其他因素。通过全面理解年回报率，投资者可以增强他们驾驭金融市场复杂性的能力，并朝着实现财务目标努力。