effective yield

简明释义

实际收益率

英英释义

例句

1.When calculating the effective yield, it’s important to factor in any fees associated with the investment.

在计算有效收益率时，考虑与投资相关的任何费用是很重要的。

2.Investors should always compare the effective yield of different bonds before making a purchase.

投资者在购买之前应该始终比较不同债券的有效收益率。

3.The effective yield of real estate investments can vary significantly based on location and property type.

房地产投资的有效收益率可能会因地点和物业类型而显著不同。

4.The bank offers a savings account with an effective yield of 2.5%, which means your money will grow faster than with a standard account.

这家银行提供的储蓄账户的有效收益率为2.5%，这意味着您的资金将比标准账户增值得更快。

5.The effective yield on this investment is higher than the inflation rate, ensuring that your purchasing power increases.

这项投资的有效收益率高于通货膨胀率，确保您的购买力增加。

作文

Understanding the concept of effective yield is crucial for anyone involved in investment and finance. The term refers to the actual return on an investment after accounting for expenses, taxes, and other factors that can affect the net income generated by an asset. In simpler terms, it is the true profit an investor can expect to receive from their investment, making it a vital metric for assessing the performance of various financial instruments.Investors often encounter different types of yields, such as nominal yield and current yield, but these figures do not provide a complete picture. For instance, the nominal yield may indicate a high return, but once you factor in taxes and fees, the effective yield may be significantly lower. This discrepancy highlights the importance of understanding how much money one will actually make from an investment over time.To illustrate this point, let’s consider a bond investment. Suppose an investor purchases a bond with a nominal yield of 5%. However, if the investor is in a tax bracket that requires them to pay 20% tax on the interest earned, the effective yield would be reduced. After paying taxes, the investor would only receive 4% of their initial investment. This example demonstrates how essential it is to calculate the effective yield to understand the real return on investment.Moreover, the effective yield can also vary based on the length of time the investment is held. For instance, if an investor holds a bond until maturity, they might receive a different yield compared to selling it before maturity. This factor can significantly impact the overall returns, emphasizing the need for careful planning and analysis.In addition to taxes and time, market conditions can also influence the effective yield. Economic factors such as inflation, interest rates, and market volatility can all play a role in determining how much an investor ultimately earns. Therefore, it is important for investors to stay informed about these variables and adjust their strategies accordingly.The significance of effective yield extends beyond individual investments; it is also a critical metric for evaluating entire portfolios. Investors often use this measure to compare different asset classes and determine where to allocate their resources for optimal returns. By focusing on the effective yield, investors can make more informed decisions that align with their financial goals.In conclusion, the concept of effective yield is integral to successful investing. It provides a clearer picture of what an investor can expect to earn from their investments, taking into account various factors that can affect returns. By understanding and calculating the effective yield, investors can better navigate the complexities of the financial markets and make strategic decisions that maximize their profits. As such, it is imperative for both novice and experienced investors to prioritize this metric in their investment analysis and planning processes.

理解有效收益率的概念对于任何参与投资和金融的人来说都是至关重要的。这个术语指的是在考虑费用、税收和其他可能影响资产净收入的因素之后，投资的实际回报。简单来说，它是投资者可以期望从其投资中获得的真实利润，这使其成为评估各种金融工具表现的重要指标。投资者经常遇到不同类型的收益率，例如名义收益率和当前收益率，但这些数字并未提供完整的图景。例如，名义收益率可能表明高回报，但一旦考虑到税收和费用，有效收益率可能会显著降低。这种差异突显了理解投资者实际上能从投资中赚取多少钱的重要性。为了说明这一点，让我们考虑一个债券投资的例子。假设投资者购买了一只名义收益率为5%的债券。然而，如果投资者处于需要对所赚取利息支付20%税的税级，则有效收益率将减少。在支付税款后，投资者将仅收到其初始投资的4%。这个例子展示了计算有效收益率以了解投资的真实回报是多么重要。此外，有效收益率也可能根据投资持有的时间长度而有所不同。例如，如果投资者持有债券直到到期，他们可能会获得与提前出售债券不同的收益率。这个因素可能会显著影响整体回报，强调了谨慎规划和分析的必要性。除了税收和时间，市场条件也可以影响有效收益率。经济因素如通货膨胀、利率和市场波动性都可能在一定程度上影响投资者最终赚取的金额。因此，投资者保持对这些变量的了解，并相应调整他们的策略是非常重要的。有效收益率的重要性不仅限于单个投资；它也是评估整个投资组合的关键指标。投资者通常使用这一指标来比较不同的资产类别，并确定在哪里分配资源以获得最佳回报。通过关注有效收益率，投资者可以做出更明智的决策，使其与财务目标保持一致。总之，有效收益率的概念对于成功投资至关重要。它提供了投资者可以预计从其投资中获得的收益的更清晰的图景，考虑到了可能影响回报的各种因素。通过理解和计算有效收益率，投资者可以更好地驾驭金融市场的复杂性，并做出最大化利润的战略决策。因此，对于新手和经验丰富的投资者来说，在投资分析和规划过程中优先考虑这一指标是至关重要的。