maturity value

简明释义

到期价值

英英释义

例句

1.The bank offers a higher interest rate for savings accounts with a larger maturity value.

银行为具有更高到期价值的储蓄账户提供更高的利率。

2.The insurance policy has a guaranteed maturity value that will be paid out at the end of the term.

这份保险单有一个保证的到期价值，将在期限结束时支付。

3.The maturity value of this certificate of deposit will be $10,000 after five years.

这张定期存款的到期价值将在五年后达到$10,000。

4.Investors should calculate the maturity value of their bonds to understand their potential returns.

投资者应计算他们债券的到期价值以了解潜在回报。

5.Before investing, it's important to know the maturity value of your investment.

在投资之前，了解你的投资的到期价值是很重要的。

作文

The concept of maturity value is crucial in the world of finance and investment. It refers to the amount of money that a financial instrument, such as a bond or a savings account, will be worth at the time it matures. Understanding this term is essential for anyone looking to invest their money wisely. When you invest in a bond, for instance, you are essentially lending your money to an entity, whether it be a corporation or government, and in return, they promise to pay you back the principal amount along with interest by a certain date. This total amount payable at maturity is known as the maturity value.

To illustrate this concept further, let’s consider a simple example. Imagine you purchase a bond for $1,000 with a maturity period of ten years and an interest rate of 5% per annum. At the end of those ten years, the issuer of the bond will pay you back the original amount of $1,000 plus the interest accrued over the years. In this case, the maturity value of your bond would be $1,000 plus the total interest earned, which amounts to $500, bringing your total to $1,500.

The maturity value is not only significant for bonds but also plays a vital role in other financial products like certificates of deposit (CDs) and life insurance policies. For example, when you invest in a CD, the bank agrees to pay you a specific interest rate for a set period. Upon maturity, the bank will return your initial deposit plus the interest earned, which together constitutes the maturity value of the investment.

Additionally, understanding the maturity value helps investors make informed decisions about their investments. Knowing how much you will receive at maturity allows you to compare different investment options effectively. For instance, if you have two bonds with different interest rates and maturity periods, calculating the maturity value can help you determine which investment will yield a better return based on your financial goals.

Moreover, the maturity value is also critical in assessing the risks associated with various investments. Generally, higher returns are associated with higher risks. By understanding the maturity value, an investor can evaluate whether the potential reward justifies the risk involved in a particular investment.

In conclusion, the term maturity value encapsulates the total amount an investor can expect to receive upon the maturity of a financial instrument. Whether dealing with bonds, CDs, or other investment vehicles, grasping this concept is fundamental for anyone wishing to navigate the financial landscape successfully. As we continue to seek ways to grow our wealth, understanding the maturity value will empower us to make more strategic investment choices, ultimately leading to greater financial security and success.

“到期价值”这一概念在金融和投资领域至关重要。它指的是金融工具（如债券或储蓄账户）在到期时的价值。理解这个术语对于任何希望明智投资的人来说都是必不可少的。例如，当你投资于债券时，你实际上是在把钱借给一个实体，无论是公司还是政府，作为回报，他们承诺在某个日期之前偿还本金以及利息。到期时应支付的总金额被称为“到期价值”。

为了进一步说明这个概念，让我们考虑一个简单的例子。假设你以1000美元的价格购买了一只债券，期限为十年，年利率为5%。在这十年结束时，债券的发行人将偿还你1000美元的原始金额以及这些年累积的利息。在这种情况下，你的债券的“到期价值”将是1000美元加上总共赚取的500美元利息，总计1500美元。

“到期价值”不仅对债券重要，在其他金融产品中也发挥着重要作用，如定期存款（CD）和人寿保险单。例如，当你投资于CD时，银行同意在一定期限内支付你特定的利率。到期时，银行将退还你的初始存款加上所赚取的利息，这两者合在一起构成了投资的“到期价值”。

此外，理解“到期价值”有助于投资者做出明智的投资决策。知道到期时你将收到多少，可以有效地比较不同的投资选择。例如，如果你有两个具有不同利率和到期期限的债券，计算“到期价值”可以帮助你确定哪项投资在你的财务目标下会带来更好的回报。

此外，“到期价值”在评估各种投资相关风险方面也至关重要。通常，更高的回报与更高的风险相关联。通过理解“到期价值”，投资者可以评估特定投资中潜在的回报是否值得承担的风险。

总之，“到期价值”这一术语概括了投资者在金融工具到期时可以预期收到的总金额。无论是处理债券、定期存款还是其他投资工具，掌握这一概念对于任何希望成功驾驭金融环境的人来说都是基础。随着我们继续寻求财富增长的方法，理解“到期价值”将使我们能够做出更具战略性的投资选择，最终实现更大的财务安全和成功。