fixed income

简明释义

固定所得

英英释义

例句

1.Some people prefer fixed income 固定收入 investments because they offer predictable returns.

一些人更喜欢固定收入 固定收入 投资，因为它们提供可预测的回报。

2.Government bonds are a common type of fixed income 固定收入 investment.

政府债券是常见的固定收入 固定收入 投资类型。

3.Many retirees depend on their fixed income 固定收入 from pensions and social security.

许多退休人员依赖于他们的固定收入 固定收入，来自养老金和社会保障。

4.The fixed income 固定收入 market can be less volatile than the stock market.

与股票市场相比，固定收入 固定收入 市场可能波动较小。

5.Investors often look for fixed income 固定收入 securities to provide stability in their portfolios.

投资者通常寻找固定收入 固定收入 证券，以在他们的投资组合中提供稳定性。

作文

In the world of finance, the term fixed income refers to a type of investment that provides returns in the form of regular, or fixed, interest payments and the eventual return of principal at maturity. This category of investments is often associated with bonds, which are essentially loans made by an investor to a borrower, typically corporate or governmental. Understanding fixed income is crucial for both novice and seasoned investors, as it plays a vital role in portfolio diversification and risk management.One of the primary advantages of investing in fixed income securities is the predictability they offer. Unlike stocks, which can fluctuate wildly in price, fixed income investments provide a steady stream of income. For instance, if an investor purchases a bond with a face value of $1,000 and a coupon rate of 5%, they can expect to receive $50 annually until the bond matures, at which point they will get their initial investment back. This reliability makes fixed income particularly appealing to retirees or those seeking a stable income source.Moreover, fixed income investments tend to be less volatile than equities, providing a cushion against market downturns. During periods of economic uncertainty, many investors flock to fixed income assets as a safe haven. For example, during the financial crisis of 2008, government bonds saw increased demand as investors sought to minimize their exposure to the stock market's volatility. This characteristic of fixed income investments can help stabilize an overall investment portfolio, balancing the risks associated with more aggressive equity investments.However, it is essential to recognize that fixed income investments are not without risks. Interest rate risk is a significant concern; when interest rates rise, the value of existing bonds typically falls. For instance, if a new bond is issued at a higher interest rate, older bonds with lower rates become less attractive, leading to a decrease in their market price. Additionally, credit risk must also be considered, as there is always a possibility that the issuer may default on their payment obligations.Investors should also be aware of inflation risk when dealing with fixed income securities. If inflation rises significantly, the purchasing power of the fixed interest payments may diminish over time. For example, if an investor receives $50 annually from a bond, but inflation increases by 3% each year, the real value of that $50 payment decreases, eroding its purchasing power.To mitigate these risks, investors often diversify their fixed income holdings across different types of securities, issuers, and maturities. This strategy can help spread risk and enhance potential returns. Furthermore, incorporating other asset classes, such as equities or real estate, can create a more balanced investment approach.In conclusion, understanding the concept of fixed income is essential for anyone looking to build a robust investment portfolio. While these investments offer stability and predictable income, they also come with their own set of risks. By carefully considering the factors involved and diversifying their holdings, investors can effectively incorporate fixed income securities into their overall financial strategy, ultimately leading to a more secure financial future.

在金融世界中，术语固定收益指的是一种投资形式，它以定期或固定的利息支付和到期时本金的最终返还的方式提供回报。这类投资通常与债券相关，债券本质上是投资者向借款人（通常是企业或政府）提供的贷款。理解固定收益对新手和经验丰富的投资者都至关重要，因为它在投资组合多样化和风险管理中发挥着重要作用。投资固定收益证券的主要优势之一是它们所提供的可预测性。与股票可能剧烈波动的价格不同，固定收益投资提供稳定的收入流。例如，如果投资者购买一只面值为1000美元、票息率为5%的债券，他们可以预期每年收到50美元的利息，直到债券到期时，他们将收回初始投资。这种可靠性使得固定收益对退休人员或那些寻求稳定收入来源的人特别具有吸引力。此外，固定收益投资往往比股票更不易波动，能够在市场下跌期间提供缓冲。在经济不确定时期，许多投资者涌向固定收益资产作为避风港。例如，在2008年的金融危机期间，政府债券的需求增加，因为投资者寻求减少对股市波动的暴露。这种固定收益投资的特性可以帮助稳定整体投资组合，平衡更激进的股票投资所带来的风险。然而，必须认识到固定收益投资并非没有风险。利率风险是一个重大问题；当利率上升时，现有债券的价值通常会下降。例如，如果一只新债券以更高的利率发行，那么具有较低利率的旧债券就变得不那么有吸引力，从而导致其市场价格的下降。此外，信用风险也必须考虑，因为发行者可能会违约，无法履行支付义务。投资者在处理固定收益证券时，还应注意通货膨胀风险。如果通货膨胀显著上升，固定利息支付的购买力可能会随着时间的推移而减弱。例如，如果投资者从一只债券中每年获得50美元，但通货膨胀每年增加3%，那么那50美元支付的实际价值就会下降，从而侵蚀其购买力。为了降低这些风险，投资者通常会在不同类型的证券、发行人和到期日之间分散他们的固定收益持有。这种策略可以帮助分散风险并增强潜在回报。此外，结合其他资产类别，如股票或房地产，可以创造出更为均衡的投资方法。总之，理解固定收益的概念对于任何希望建立强大投资组合的人来说都是至关重要的。虽然这些投资提供了稳定性和可预测的收入，但它们也伴随着自身的一系列风险。通过仔细考虑相关因素并分散持有，投资者可以有效地将固定收益证券纳入其整体财务策略，从而最终实现更安全的财务未来。