fixed-rate certificate of deposit

简明释义

固定利率存单

英英释义

例句

1.I locked in my money for five years with a fixed-rate certificate of deposit to earn a better interest rate.

我用一个固定利率存款证将我的钱锁定了五年，以获得更好的利率。

2.Before opening a fixed-rate certificate of deposit, I compared rates from different banks.

在开设固定利率存款证之前，我比较了不同银行的利率。

3.A fixed-rate certificate of deposit is a safe investment option for those who want to avoid market volatility.

对于那些想避免市场波动的人来说，固定利率存款证是一种安全的投资选择。

4.The bank offered me a higher interest rate for a fixed-rate certificate of deposit compared to a regular savings account.

银行为我提供了一个比普通储蓄账户更高利率的固定利率存款证。

5.I decided to invest my savings in a fixed-rate certificate of deposit because it offers guaranteed returns.

我决定将我的储蓄投资于一个固定利率存款证，因为它提供了保证的回报。

作文

A fixed-rate certificate of deposit is a popular financial product offered by banks and credit unions, designed to help individuals save money while earning a guaranteed return. When a person invests in a fixed-rate certificate of deposit (定期存款证), they agree to deposit a certain amount of money for a specified period of time, during which they cannot withdraw the funds without incurring a penalty. This commitment often leads to higher interest rates compared to traditional savings accounts, making it an attractive option for many savers.One of the primary advantages of a fixed-rate certificate of deposit is the security it provides. Since the interest rate is fixed for the duration of the term, investors can plan their finances with confidence, knowing exactly how much they will earn by the end of the term. This predictability makes it easier to set savings goals, whether for a vacation, a new car, or even a down payment on a house.Moreover, a fixed-rate certificate of deposit is typically insured by the Federal Deposit Insurance Corporation (FDIC) in the United States, which means that deposits are protected up to a certain limit in case the bank fails. This insurance adds an extra layer of security, making it an appealing choice for conservative investors who prioritize the safety of their principal.However, it is essential to consider the potential drawbacks of a fixed-rate certificate of deposit. One major limitation is the lack of liquidity. Since the funds are locked in for the duration of the term, investors may find themselves unable to access their money in case of emergencies or unexpected expenses. While some banks offer the option of early withdrawal, penalties can significantly reduce the interest earned or even result in a loss of principal.Another consideration is the opportunity cost associated with investing in a fixed-rate certificate of deposit. Given that the interest rates are fixed, if market rates rise, investors may miss out on higher returns available through other investment vehicles, such as stocks or bonds. Therefore, it is crucial for individuals to assess their financial situation, risk tolerance, and investment goals before committing to this type of account.In conclusion, a fixed-rate certificate of deposit offers a secure and predictable way to grow savings over time. It is especially suitable for those who value stability and have specific savings goals in mind. However, potential investors should weigh the benefits against the limitations, including liquidity issues and opportunity costs. By understanding both the advantages and disadvantages, individuals can make informed decisions about whether a fixed-rate certificate of deposit aligns with their overall financial strategy. Ultimately, it is a valuable tool in the broader context of personal finance, allowing savers to achieve their goals while enjoying peace of mind.

定期存款证是一种受欢迎的金融产品，由银行和信用合作社提供，旨在帮助个人储蓄，同时获得保证回报。当一个人投资于定期存款证时，他们同意在特定的时间内存入一定金额的资金，在此期间他们不能在不支付罚款的情况下提取资金。这种承诺通常会导致比传统储蓄账户更高的利率，使其成为许多储户的有吸引力的选择。定期存款证的主要优点之一是它提供的安全性。由于利率在整个期限内是固定的，投资者可以自信地规划他们的财务，确切知道到期时将赚取多少。这种可预测性使得设定储蓄目标变得更容易，无论是为了度假、购买新车，还是甚至是房子的首付款。此外，定期存款证通常由美国联邦存款保险公司（FDIC）投保，这意味着在银行破产的情况下，存款在一定限额内受到保护。这种保险增加了一层额外的安全性，使其成为优先考虑本金安全的保守投资者的吸引选择。然而，考虑定期存款证的潜在缺点是至关重要的。一个主要的限制是流动性不足。由于资金在期限内被锁定，投资者可能会发现自己无法在紧急情况下或意外开支中访问他们的钱。虽然一些银行提供提前取款的选项，但罚款可能会显著减少所赚取的利息，甚至导致本金损失。另一个考虑因素是与投资于定期存款证相关的机会成本。由于利率是固定的，如果市场利率上升，投资者可能会错过通过其他投资工具（如股票或债券）获得更高回报的机会。因此，个人在承诺这种类型的账户之前，评估自己的财务状况、风险承受能力和投资目标是至关重要的。总之，定期存款证提供了一种安全和可预测的方式来随着时间的推移增长储蓄。它特别适合那些重视稳定性并有特定储蓄目标的人。然而，潜在投资者应权衡利益与局限性，包括流动性问题和机会成本。通过理解优势和劣势，个人可以就定期存款证是否与他们的整体财务战略相一致做出明智的决定。最终，它是个人财务更广泛背景中的一个有价值的工具，使储户能够实现他们的目标，同时享受内心的平静。