maturity value; redemption value

简明释义

偿还价值

英英释义

例句

1.The redemption value of the insurance policy increases over time, reflecting the cash value that can be accessed, or 赎回价值。

保险单的赎回价值随着时间的推移而增加，反映了可以访问的现金价值，或赎回价值。

2.The bond's maturity value is paid to the investor at the end of its term, which is 到期价值。

债券的到期价值在其期限结束时支付给投资者，这就是到期价值。

3.Investors should be aware of the maturity value of their investments before making decisions, meaning they need to know the total amount they will receive at maturity, or 到期价值。

投资者在做出决策之前应该了解他们投资的到期价值，这意味着他们需要知道到期时将收到的总金额，或到期价值。

4.When you redeem your savings bond, you will receive its redemption value, which includes interest earned, or 赎回价值。

当你赎回你的储蓄债券时，你将收到它的赎回价值，包括所赚取的利息，或赎回价值。

5.At the end of the loan term, the borrower must pay back the maturity value of the loan, which is the principal plus any accrued interest, or 到期价值。

在贷款期限结束时，借款人必须偿还贷款的到期价值，即本金加上任何应计利息，或到期价值。

作文

In the world of finance, understanding the concepts of maturity value and redemption value is crucial for both investors and borrowers. These terms are often used interchangeably, but they have distinct meanings that can significantly impact financial decisions. This essay aims to clarify these terms and illustrate their importance in financial transactions.The maturity value refers to the total amount that will be paid to the holder of a financial instrument, such as a bond or a certificate of deposit, at the end of its term. It includes the principal amount invested as well as any interest that has accrued over the life of the investment. For example, if an investor purchases a bond with a face value of $1,000 and an interest rate of 5% for 10 years, the maturity value would be $1,000 plus the interest earned over that period, which totals $500, resulting in a final amount of $1,500 at maturity.On the other hand, the redemption value is the amount that an investor receives when redeeming a security before its maturity date. This value can vary based on several factors, including market conditions and the specific terms outlined in the financial agreement. For instance, if the same bond mentioned earlier is redeemed after five years, the redemption value might be calculated based on the current market value or a predetermined formula, which may not necessarily equal the maturity value. This distinction is vital for investors who may need to access their funds before the investment matures.Understanding these terms is particularly important in the context of fixed-income securities. Investors must be aware of the maturity value to gauge the potential return on their investments. Additionally, knowing the redemption value allows them to make informed decisions about when to sell or redeem their securities. If market conditions change, an investor might find it advantageous to redeem a bond early, depending on the redemption value offered at that time.Moreover, these concepts are not limited to bonds; they also apply to various types of insurance policies and savings accounts. For example, a life insurance policy may have a maturity value that is payable upon the death of the insured or after a certain period. Similarly, a savings account might offer a redemption value if the account holder chooses to withdraw funds before a specified term.In conclusion, the terms maturity value and redemption value are essential components of financial literacy. They provide investors with the necessary information to assess their investments and make strategic decisions. By understanding the differences between these two values, individuals can better navigate their financial journeys and optimize their investment outcomes. Therefore, whether one is investing in bonds, purchasing insurance, or saving for the future, knowledge of maturity value and redemption value is indispensable for achieving financial success.

在金融世界中，理解“到期价值”和“赎回价值”这两个概念对投资者和借款人来说至关重要。这些术语常常可以互换使用，但它们具有不同的含义，这可能会对财务决策产生重大影响。本文旨在澄清这些术语，并说明它们在金融交易中的重要性。“到期价值”是指在金融工具（如债券或存款证）到期时支付给持有人的总金额。它包括投资的本金以及在投资期间累计的任何利息。例如，如果一位投资者购买了一只面值为1000美元、利率为5%、期限为10年的债券，则其“到期价值”将为1000美元加上在此期间获得的500美元利息，总计1500美元。另一方面，“赎回价值”是指投资者在到期日前赎回证券时所获得的金额。这个价值可能会根据多种因素而变化，包括市场条件和金融协议中规定的具体条款。例如，如果前面提到的债券在五年后被赎回，则“赎回价值”可能根据当前市场价值或预定公式进行计算，而不一定等于“到期价值”。这种区别对于可能需要在投资到期之前获取资金的投资者至关重要。理解这些术语在固定收益证券的背景下尤其重要。投资者必须了解“到期价值”以评估其投资的潜在回报。此外，了解“赎回价值”使他们能够就何时出售或赎回证券做出明智的决定。如果市场条件发生变化，投资者可能会发现提前赎回债券是有利的，这取决于当时提供的“赎回价值”。此外，这些概念不仅限于债券；它们还适用于各种类型的保险政策和储蓄账户。例如，生命保险政策可能在被保险人去世或经过一定期限后具有“到期价值”。类似地，储蓄账户如果账户持有人选择在指定期限之前提取资金，可能会提供“赎回价值”。总之，“到期价值”和“赎回价值”这两个术语是金融素养的重要组成部分。它们为投资者提供了必要的信息，以评估其投资并做出战略决策。通过理解这两个价值之间的差异，个人可以更好地驾驭自己的财务旅程，并优化投资结果。因此，无论是投资债券、购买保险还是为未来储蓄，了解“到期价值”和“赎回价值”对实现财务成功都是不可或缺的。