discretionary account

简明释义

任意帐户

英英释义

例句

1.My discretionary account (自由裁量账户) allows for more flexibility in trading strategies.

我的自由裁量账户（discretionary account）允许在交易策略上有更大的灵活性。

2.Investors often prefer a discretionary account (自由裁量账户) for active trading.

投资者通常更喜欢使用自由裁量账户（discretionary account）进行活跃交易。

3.With a discretionary account (自由裁量账户), the investor gives the broker full authority to make investment decisions.

在自由裁量账户（discretionary account）中，投资者给予经纪人完全的权力来做出投资决策。

4.I trust my broker to handle my investments in a discretionary account (自由裁量账户).

我信任我的经纪人处理我在自由裁量账户（discretionary account）中的投资。

5.The financial advisor managed my discretionary account (自由裁量账户) and made trades on my behalf.

财务顾问管理了我的自由裁量账户（discretionary account），并代表我进行交易。

作文

In the world of finance and investment, understanding various types of accounts is crucial for both novice and experienced investors. One such account that plays a significant role in portfolio management is the discretionary account. A discretionary account is an investment account where the broker or financial advisor has the authority to make investment decisions on behalf of the client without needing to consult them for each transaction. This type of account is particularly beneficial for individuals who may not have the time or expertise to manage their investments actively.The primary advantage of a discretionary account lies in its convenience. Clients can rely on the expertise of their brokers to make informed decisions regarding the buying and selling of securities. For instance, if a financial advisor recognizes a market opportunity, they can act swiftly without waiting for approval from the client. This can lead to better investment outcomes, especially in fast-moving markets where timing is critical.Moreover, a discretionary account allows for a more personalized investment strategy. Financial advisors can tailor the investment approach based on the client's risk tolerance, financial goals, and market conditions. This individualized attention can help clients achieve their long-term financial objectives more effectively than if they were managing their accounts independently.However, it is essential for investors to understand the responsibilities that come with a discretionary account. While brokers have the authority to make decisions, they are also obligated to act in the best interest of their clients. This fiduciary duty means that advisors must prioritize their clients' financial well-being above their own interests. Therefore, choosing a trustworthy and competent financial advisor is paramount when opening a discretionary account.Another consideration is the fee structure associated with discretionary accounts. Many brokers charge a management fee based on the assets under management, which can vary significantly depending on the firm and the services provided. Investors should carefully review these fees and ensure that they align with the value being offered by the advisor. Transparency in fees is crucial to avoid any misunderstandings that could affect the overall investment performance.In conclusion, a discretionary account can be a powerful tool for investors seeking professional management of their portfolios. It offers convenience, personalized strategies, and the potential for enhanced investment returns. However, it also requires a high level of trust between the investor and the advisor, as well as a clear understanding of the associated fees. By weighing the pros and cons, investors can determine whether a discretionary account aligns with their financial goals and investment philosophy. Ultimately, this type of account can serve as a valuable asset in navigating the complexities of the financial markets, enabling clients to focus on their broader life goals while their investments are managed by professionals.

在金融和投资的世界中，理解各种类型的账户对于新手和有经验的投资者都至关重要。其中一个在投资组合管理中发挥重要作用的账户是自由裁量账户。自由裁量账户是一种投资账户，其中经纪人或财务顾问有权在不需要每次交易都咨询客户的情况下，代表客户做出投资决策。这种类型的账户特别适合那些可能没有时间或专业知识来积极管理其投资的个人。自由裁量账户的主要优势在于其便利性。客户可以依靠经纪人的专业知识来做出有关证券买卖的明智决定。例如，如果财务顾问发现了市场机会，他们可以迅速采取行动，而无需等待客户的批准。这可以在快速变化的市场中带来更好的投资结果，因为时机至关重要。此外，自由裁量账户还允许采用更个性化的投资策略。财务顾问可以根据客户的风险承受能力、财务目标和市场状况来量身定制投资方法。这种个性化的关注可以帮助客户更有效地实现他们的长期财务目标，而不是独立管理账户。然而，投资者必须了解与自由裁量账户相关的责任。虽然经纪人有权做出决策，但他们也有义务为客户的最佳利益行事。这种信托责任意味着顾问必须优先考虑客户的财务福祉，而不是自己的利益。因此，在开设自由裁量账户时，选择一个值得信赖和有能力的财务顾问至关重要。另一个考虑因素是与自由裁量账户相关的费用结构。许多经纪人根据管理资产的规模收取管理费，这些费用可能因公司和提供的服务而异。投资者应仔细审查这些费用，并确保它们与顾问所提供的价值相符。费用透明度对避免任何可能影响整体投资表现的误解至关重要。总之，自由裁量账户可以成为寻求专业投资组合管理的投资者的强大工具。它提供了便利性、个性化策略和提高投资回报的潜力。然而，它也要求投资者与顾问之间建立高度信任，以及清楚理解相关费用。通过权衡利弊，投资者可以确定自由裁量账户是否符合他们的财务目标和投资理念。最终，这种类型的账户可以成为在复杂金融市场中导航的宝贵资产，使客户能够专注于更广泛的生活目标，同时由专业人士管理他们的投资。