annuity due

简明释义

到期年金

英英释义

例句

1.The retirement plan offers an annuity due option that starts payments immediately after retirement.

该退休计划提供一个到期年金选项，支付在退休后立即开始。

2.An annuity due provides higher total payments compared to an ordinary annuity because payments are made at the beginning of each period.

到期年金相比于普通年金提供更高的总支付，因为支付是在每个周期的开始进行。

3.If you have an annuity due, you will receive your first payment right away instead of waiting.

如果你有一个到期年金，你将立即收到第一笔付款，而不是等待。

4.In financial planning, you should account for annuity due payments when estimating your future cash flows.

在财务规划中，当估算未来现金流时，应考虑到期年金支付。

5.When you receive a monthly payment for your insurance policy, it is considered an annuity due.

当你收到保险政策的每月付款时，这被视为到期年金。

作文

An annuity is a financial product that provides a series of payments made at equal intervals. An important type of annuity is the annuity due, which differs from other types in terms of the timing of its payments. In an annuity due, payments are made at the beginning of each period rather than at the end. This distinction can have significant implications for both the value of the annuity and the financial planning of individuals who rely on these payments for income.To understand the concept of annuity due, let’s consider an example. Imagine a retiree who has invested in an annuity due that pays $1,000 per month for 10 years. Since the payments are made at the beginning of each month, the retiree receives the first payment immediately upon entering the agreement. This immediate access to funds can be particularly beneficial for retirees who need to cover living expenses right away.The valuation of an annuity due also differs from that of an ordinary annuity. In general, the present value of an annuity due is higher than that of an ordinary annuity because the payments are received sooner. Financial advisors often use the formula for the present value of an annuity due to help clients understand the worth of their investment. The formula takes into account the interest rate and the number of payments, allowing individuals to see how much their annuity is worth today.Moreover, the concept of annuity due is not limited to retirement planning. It can also be applied in various financial contexts, such as leasing agreements or insurance contracts. For example, in a lease agreement, rent payments may be structured as an annuity due, where the tenant pays the rent at the beginning of each month. This arrangement ensures that the landlord receives the payment promptly, helping with cash flow management.Understanding annuity due is crucial for effective financial planning. Individuals should carefully consider their cash flow needs when deciding between an annuity due and an ordinary annuity. If immediate access to funds is essential, an annuity due may be the better option. Conversely, if one can afford to wait for payments, an ordinary annuity might yield higher returns over time due to the longer investment horizon.In conclusion, the annuity due is a vital financial tool that offers unique advantages. By receiving payments at the start of each period, individuals can manage their finances more effectively, especially during retirement. As with any financial product, it is essential to understand the implications of choosing an annuity due over other options. With proper knowledge and planning, individuals can make informed decisions that align with their financial goals and needs.

年金是一种金融产品，提供在相等间隔内进行的一系列支付。年金的一个重要类型是到期年金，它在支付时间上与其他类型有所不同。在到期年金中，支付是在每个期间的开始进行，而不是在结束时。这一区别可能对年金的价值以及依赖这些支付作为收入的个人的财务规划产生重大影响。为了理解到期年金的概念，让我们考虑一个例子。想象一下，一个退休人员投资了一个到期年金，每月支付1000美元，持续10年。由于支付是在每个月的开始进行，退休人员在进入协议后立即收到第一笔付款。这种立即获得资金的方式对于需要立即支付生活费用的退休人员尤其有利。到期年金的估值也与普通年金不同。一般来说，到期年金的现值高于普通年金，因为支付更早收到。财务顾问通常使用到期年金的现值公式来帮助客户理解他们投资的价值。该公式考虑了利率和支付次数，使个人能够看到他们的年金今天值多少钱。此外，到期年金的概念不仅限于退休规划。它还可以应用于各种金融背景，例如租赁协议或保险合同。例如，在租赁协议中，租金支付可能被结构为到期年金，租户在每个月的开始支付租金。这种安排确保房东及时收到付款，有助于现金流管理。理解到期年金对有效的财务规划至关重要。个人在决定选择到期年金还是普通年金时，应仔细考虑其现金流需求。如果立即获得资金至关重要，则到期年金可能是更好的选择。相反，如果可以等待付款，普通年金可能会因投资期限较长而获得更高的回报。总之，到期年金是一种重要的金融工具，提供独特的优势。通过在每个期间的开始获得支付，个人可以更有效地管理财务，特别是在退休期间。与任何金融产品一样，了解选择到期年金而不是其他选项的影响至关重要。通过适当的知识和规划，个人可以做出符合其财务目标和需求的明智决策。