near-cash assets

简明释义

近似现金的资产

英英释义

例句

1.Investors should consider the proportion of near-cash assets in their portfolio for better risk management.

投资者应考虑其投资组合中近现金资产的比例，以便更好地管理风险。

2.Companies often keep a portion of their investments in near-cash assets to ensure liquidity during financial emergencies.

公司通常将一部分投资保留在近现金资产中，以确保在财务紧急情况下的流动性。

3.When planning for retirement, it's wise to have a portion of your savings in near-cash assets.

在退休规划时，将一部分储蓄放在近现金资产中是明智的选择。

4.Savings accounts and money market funds are examples of near-cash assets that provide easy access to funds.

储蓄账户和货币市场基金是提供资金易取的近现金资产的例子。

5.During an economic downturn, many investors shift their portfolios to include more near-cash assets.

在经济衰退期间，许多投资者将他们的投资组合转向包含更多的近现金资产。

作文

In today's fast-paced financial environment, the concept of near-cash assets (近现金资产) has become increasingly relevant for both individuals and businesses. Understanding what these assets are and how they can be utilized effectively is crucial for sound financial management. Near-cash assets typically refer to short-term investments that can be quickly converted into cash with minimal loss in value. This category includes assets such as money market accounts, Treasury bills, and certain types of certificates of deposit. Unlike cash, which is immediately available for use, near-cash assets provide a little more yield while still maintaining liquidity. The primary advantage of holding near-cash assets is their ability to offer better returns than regular savings accounts. For instance, money market accounts often provide higher interest rates compared to traditional savings accounts. This makes them an attractive option for those looking to grow their savings without sacrificing accessibility. Additionally, near-cash assets can serve as a buffer during times of economic uncertainty. When markets are volatile, having a portion of one’s portfolio in these liquid assets can provide peace of mind and security. Moreover, businesses often rely on near-cash assets to manage their operational expenses. Companies need to ensure they have enough liquidity to meet short-term obligations, such as payroll and supplier payments. By investing in near-cash assets, firms can maintain a balance between earning potential and liquidity. For instance, a company may choose to invest excess cash in Treasury bills, which offer safety and quick access to funds if needed. This strategy not only safeguards the capital but also allows the business to earn some interest on idle cash. However, it is essential to recognize the risks associated with near-cash assets. While they are generally considered low-risk, they are not entirely devoid of risk. Market fluctuations can affect the value of these assets, particularly in the case of money market funds that invest in corporate debt. Investors should conduct thorough research and consider their risk tolerance before allocating significant portions of their portfolio to near-cash assets. In conclusion, near-cash assets (近现金资产) play a vital role in effective financial planning. They provide a means to earn returns while ensuring liquidity, making them an essential component of both personal and corporate finance strategies. As individuals and businesses navigate the complexities of the financial landscape, understanding and utilizing near-cash assets can lead to improved financial stability and growth. Whether saving for a future goal or managing day-to-day operations, incorporating near-cash assets into a financial strategy can yield significant benefits.

在当今快速变化的金融环境中，近现金资产的概念变得越来越相关，无论是对于个人还是企业。理解这些资产是什么以及如何有效利用它们，对于稳健的财务管理至关重要。近现金资产通常指的是可以迅速转化为现金且价值损失最小的短期投资。这一类别包括货币市场账户、国库券以及某些类型的存款证。与现金不同，现金可以立即使用，而近现金资产则在保持流动性的同时提供更高的收益。持有近现金资产的主要优势在于它们能够提供比普通储蓄账户更好的回报。例如，货币市场账户通常提供比传统储蓄账户更高的利率。这使得它们成为那些希望在不牺牲流动性的情况下增加储蓄的人的一个有吸引力的选择。此外，近现金资产可以在经济不确定时期作为缓冲。当市场波动时，拥有一部分投资组合在这些流动资产中的资金可以提供安心和安全感。此外，企业通常依赖近现金资产来管理其运营费用。公司需要确保有足够的流动性来满足短期义务，例如工资和供应商付款。通过投资于近现金资产，公司可以在赚取潜在收益和保持流动性之间保持平衡。例如，一家公司可能选择将多余的现金投资于国库券，这样不仅可以保障资本，还可以在需要时快速获得资金。这种策略不仅保护了资本，还允许企业对闲置现金赚取一些利息。然而，必须认识到与近现金资产相关的风险。虽然它们通常被视为低风险，但并非完全没有风险。市场波动可能会影响这些资产的价值，特别是在投资于公司债务的货币市场基金的情况下。投资者应进行彻底的研究，并在将大量资金分配给近现金资产之前考虑他们的风险承受能力。总之，近现金资产在有效的财务规划中发挥着至关重要的作用。它们提供了一种在确保流动性的同时赚取回报的方法，使其成为个人和企业财务战略的重要组成部分。随着个人和企业在复杂的金融环境中导航，理解和利用近现金资产可以带来财务稳定和增长的改善。无论是为了未来的目标而储蓄，还是管理日常运营，将近现金资产纳入财务战略都能带来显著的好处。