treasury term bond

简明释义

国库定期债券

英英释义

例句

1.Financial advisors often recommend treasury term bonds for conservative investors.

金融顾问通常建议保守型投资者购买国债定期债券。

2.Investors often turn to treasury term bonds for their stability and low risk.

投资者通常会选择国债定期债券，因为它们稳定且风险低。

3.The government issued new treasury term bonds to fund infrastructure projects.

政府发行了新的国债定期债券以资助基础设施项目。

4.The interest rates on treasury term bonds can vary based on market conditions.

根据市场情况，国债定期债券的利率可能会有所不同。

5.Many retirement funds include treasury term bonds in their portfolios to ensure steady income.

许多退休基金在其投资组合中包含国债定期债券以确保稳定的收入。

作文

The financial world is often filled with complex terms and instruments that can seem daunting to the average person. One such term is the treasury term bond, which plays a crucial role in the economy and investment landscape. Understanding what a treasury term bond is can empower individuals to make informed decisions about their investments and savings. A treasury term bond is a long-term debt security issued by the U.S. Department of the Treasury. These bonds are typically issued with maturities ranging from 10 to 30 years, making them a stable investment option for those looking to secure their financial future. When an investor purchases a treasury term bond, they are essentially lending money to the government in exchange for periodic interest payments, known as coupon payments, and the return of the bond's face value upon maturity.One of the primary reasons investors choose treasury term bonds is their perceived safety. U.S. Treasury securities are backed by the full faith and credit of the United States government, which means that they are considered one of the safest investments available. This security is particularly appealing during times of economic uncertainty when investors may seek refuge in safer assets. The interest rates on these bonds are generally lower than those of corporate bonds or other riskier investments, but the trade-off is the reduced risk of default.Additionally, treasury term bonds can be an effective tool for portfolio diversification. By including these bonds in an investment portfolio, individuals can balance out the risks associated with more volatile assets, such as stocks. During periods of economic downturn, treasury term bonds often perform well, providing a cushion against losses incurred in other areas of the portfolio.Investors should also consider the tax advantages associated with treasury term bonds. The interest earned on these bonds is exempt from state and local taxes, although it is still subject to federal income tax. This tax benefit can enhance the overall returns for investors, making treasury term bonds an attractive choice for those in higher tax brackets.In conclusion, understanding the concept of a treasury term bond is essential for anyone looking to navigate the world of investments effectively. These long-term securities offer a blend of safety, predictable income, and tax advantages that can help investors achieve their financial goals. By incorporating treasury term bonds into their investment strategies, individuals can secure a stable source of income while minimizing risk, making them a valuable addition to any investment portfolio.

金融世界常常充满了复杂的术语和工具，这些对普通人来说可能显得令人畏惧。其中一个术语是国债定期债券，它在经济和投资领域中扮演着至关重要的角色。了解国债定期债券是什么，可以使个人能够对自己的投资和储蓄做出明智的决策。国债定期债券是由美国财政部发行的长期债务证券。这些债券的到期时间通常在10到30年之间，使其成为那些希望确保财务未来的稳定投资选择。当投资者购买国债定期债券时，他们实际上是在向政府借款，以换取定期的利息支付（称为票息支付）以及到期时返还债券的面值。投资者选择国债定期债券的主要原因之一是其被认为的安全性。美国国债证券由美国政府的全信任和信用支持，这意味着它们被视为最安全的投资之一。这种安全性在经济不确定时期尤其吸引人，当投资者可能寻求在更安全的资产中避难时。虽然这些债券的利率通常低于公司债券或其他风险较大的投资，但权衡的是违约风险的降低。此外，国债定期债券可以作为投资组合多样化的有效工具。通过在投资组合中包含这些债券，个人可以平衡与更具波动性的资产（如股票）相关的风险。在经济下行期间，国债定期债券往往表现良好，为在投资组合其他领域遭受的损失提供缓冲。投资者还应考虑与国债定期债券相关的税收优势。这些债券的利息收入免于州和地方税，尽管仍需缴纳联邦所得税。这一税收优惠可以提高投资者的整体回报，使国债定期债券成为高税率投资者的一个有吸引力的选择。总之，理解国债定期债券的概念对于任何希望有效导航投资世界的人来说都是至关重要的。这些长期证券提供了一种安全性、可预测收入和税收优势的结合，可以帮助投资者实现他们的财务目标。通过将国债定期债券纳入他们的投资策略，个人可以确保获得稳定的收入来源，同时最大限度地降低风险，使其成为任何投资组合中的宝贵补充。