cumulative interest; accumulated interest

简明释义

累积利息,累计利息

英英释义

例句

1.When you leave your money in the bank, it earns cumulative interest 累计利息 which compounds annually.

当你把钱留在银行时，它会每年赚取累计利息 cumulative interest，并进行复利计算。

2.The report highlighted the importance of accumulated interest 累积利息 in retirement planning.

报告强调了在退休规划中累积利息 accumulated interest的重要性。

3.Investors should be aware of how cumulative interest 累计利息 can significantly increase their returns over time.

投资者应该意识到累计利息 cumulative interest如何随着时间显著增加他们的回报。

4.The bank calculates accumulated interest 累积利息 on a monthly basis for all its fixed deposits.

银行对所有定期存款按月计算累积利息 accumulated interest。

5.After five years, the total amount in the savings account will include cumulative interest 累计利息 that has been added each year.

经过五年，储蓄账户中的总金额将包括每年增加的累计利息 cumulative interest。

作文

In the world of finance, understanding concepts such as cumulative interest and accumulated interest is essential for making informed decisions regarding investments and savings. These terms refer to the way interest grows over time, affecting the total amount of money one can earn or owe. 累积利息和累计利息是金融领域中两个重要的概念，它们描述了利息随时间增长的方式，直接影响着个人的投资和储蓄决策。To begin with, cumulative interest refers to the interest that is calculated on the initial principal amount as well as on the interest that has been added to it over time. This means that not only does your initial investment earn interest, but the interest itself also earns interest. This compounding effect can significantly increase the total amount of money you have over time. For instance, if you invest $1,000 at an interest rate of 5% per year, after one year, you will have earned $50 in interest. In the second year, you will earn interest on $1,050 (the original amount plus the interest from the first year), resulting in a total of $1,102.50 after two years. This process illustrates how cumulative interest works.On the other hand, accumulated interest refers to the total amount of interest that has been added to the principal over a specific period. It is the sum of all interest payments made up to a certain point in time. For example, if you have a savings account where you earn accumulated interest, you can track how much interest has been added to your account since you opened it. Understanding this concept is crucial when comparing different financial products, as some accounts may offer higher accumulated interest rates than others.The importance of these concepts cannot be overstated, especially in today's economic environment where inflation and interest rates fluctuate. When considering long-term investments, it is vital to choose options that maximize cumulative interest. This can be achieved through various means, such as reinvesting dividends or choosing high-yield savings accounts. By focusing on investments that provide robust accumulated interest, individuals can ensure that their money grows at a faster rate, helping them reach their financial goals more efficiently.Moreover, understanding cumulative interest and accumulated interest allows individuals to make smarter borrowing decisions. For example, when taking out loans, it is essential to understand how interest accumulates over time, as this can greatly affect the total amount repaid. Loans with lower interest rates may seem attractive initially, but if they accrue cumulative interest over a long period, the total cost could end up being significantly higher than anticipated.In conclusion, mastering the concepts of cumulative interest and accumulated interest is crucial for anyone looking to improve their financial literacy. These terms not only help in understanding how money grows over time but also play a significant role in making informed decisions about savings and investments. By leveraging the power of 累积利息 and 累计利息, individuals can enhance their financial strategies and work towards achieving their long-term financial objectives.

在金融世界中，理解诸如累积利息和累计利息等概念对于做出明智的投资和储蓄决策至关重要。这些术语指的是利息随时间增长的方式，直接影响一个人可以赚取或欠下的总金额。累积利息和累计利息是金融领域中两个重要的概念，它们描述了利息随时间增长的方式，直接影响着个人的投资和储蓄决策。首先，累积利息指的是在初始本金金额上以及随时间增加的利息上计算的利息。这意味着您的初始投资不仅会赚取利息，而且利息本身也会赚取利息。这种复利效应可以显著增加您随着时间的推移所拥有的总金额。例如，如果您以每年5%的利率投资1000美元，那么在一年后，您将获得50美元的利息。在第二年，您将对1050美元（原始金额加上第一年的利息）赚取利息，这样经过两年后，您将总共拥有1102.50美元。这一过程说明了累积利息是如何运作的。另一方面，累计利息指的是在特定时期内已添加到本金上的总利息金额。它是到某一时刻为止所有利息支付的总和。例如，如果您有一个储蓄账户，可以获得累计利息，您可以跟踪自开户以来添加到账户中的利息金额。理解这个概念在比较不同的金融产品时至关重要，因为某些账户可能提供比其他账户更高的累计利息利率。这些概念的重要性不容小觑，尤其是在今天这个通货膨胀和利率波动的经济环境中。在考虑长期投资时，选择能够最大化累积利息的选项至关重要。这可以通过各种方式实现，例如再投资股息或选择高收益储蓄账户。通过关注那些提供强大累计利息的投资，个人可以确保他们的资金以更快的速度增长，帮助他们更高效地实现财务目标。此外，理解累积利息和累计利息使个人能够做出更聪明的借贷决策。例如，在贷款时，了解利息随时间的累积方式至关重要，因为这可能极大地影响还款的总金额。利率较低的贷款可能看起来在初期很有吸引力，但如果它们在较长时间内累积累积利息，那么最终偿还的总成本可能远高于预期。总之，掌握累积利息和累计利息的概念对于任何希望提高财务素养的人来说都是至关重要的。这些术语不仅有助于理解资金如何随时间增长，还在做出关于储蓄和投资的明智决策中发挥着重要作用。通过利用累积利息和累计利息的力量，个人可以增强他们的财务策略，朝着实现长期财务目标努力。