present discounted value

简明释义

现在贴现值,现在折扣价值

英英释义

例句

1.The present discounted value of future cash flows helps investors make informed decisions.

未来现金流的现值折现帮助投资者做出明智的决策。

2.By applying a discount rate, we can determine the present discounted value of future earnings.

通过应用折现率，我们可以确定未来收益的现值折现。

3.Using the formula for present discounted value, we found that the investment is worthwhile.

使用现值折现的公式，我们发现这项投资是值得的。

4.The present discounted value method is commonly used in capital budgeting.

在资本预算中，通常使用现值折现法。

5.To evaluate the project, we need to calculate the present discounted value of its expected revenues.

为了评估该项目，我们需要计算其预期收入的现值折现。

作文

In the realm of finance and investment, understanding the concept of present discounted value is crucial for making informed decisions. The present discounted value (PDV) refers to the current worth of a sum of money that is to be received or paid in the future, adjusted for the time value of money. This concept is rooted in the idea that a dollar today is worth more than a dollar in the future due to its potential earning capacity. Therefore, when evaluating investments, it is important to consider how much future cash flows are worth in today's terms.To illustrate this concept, consider an investor who is contemplating a project that promises to yield $1,000 five years from now. If the investor uses a discount rate of 5%, the present discounted value can be calculated using the formula: PDV = Future Cash Flow / (1 + r)^nWhere 'r' is the discount rate and 'n' is the number of years until the cash flow is received. Plugging in the numbers, we find:PDV = $1,000 / (1 + 0.05)^5 = $1,000 / 1.27628 ≈ $783.53This means that receiving $1,000 in five years is equivalent to having approximately $783.53 today, given a 5% return rate. This calculation helps investors to compare different investment opportunities on a like-for-like basis, enabling them to make better financial decisions.The present discounted value is not only applicable in investment scenarios but also plays a vital role in various areas such as real estate, corporate finance, and personal finance. For instance, when buying a house, potential buyers often assess the future cash flows associated with the property, such as rental income or resale value, and discount these future cash flows to determine their present discounted value. This helps them decide whether the purchase price is justified based on the expected returns.Moreover, businesses frequently use present discounted value to evaluate projects and investments. By calculating the PDV of expected future cash flows, companies can determine if a project will generate sufficient returns to warrant the initial investment. If the PDV is greater than the cost of the investment, it is typically considered a good opportunity.In summary, the concept of present discounted value is essential for anyone involved in financial decision-making. It provides a framework for evaluating the worth of future cash flows in today's dollars, thereby allowing individuals and businesses to make more informed choices. Understanding this concept not only aids in investment analysis but also enhances financial literacy, empowering individuals to navigate complex financial landscapes effectively. As we continue to engage with various financial opportunities, mastering the principles of present discounted value will undoubtedly serve us well in achieving our financial goals.

在金融和投资领域，理解“现值折现”的概念对于做出明智的决策至关重要。“现值折现”（PDV）指的是未来将要收到或支付的一笔钱的当前价值，经过时间价值的调整。这个概念根植于今天的一美元比未来的一美元更有价值，因为它具有潜在的收益能力。因此，在评估投资时，考虑未来现金流在今天的价值是非常重要的。为了说明这一概念，考虑一个投资者正在考虑一个项目，该项目承诺在五年后产生1000美元。如果投资者使用5%的折现率，可以使用以下公式计算“现值折现”：PDV = 未来现金流 / (1 + r)^n其中'r'是折现率，'n'是未来现金流收到的年数。代入数字，我们发现：PDV = 1000美元 / (1 + 0.05)^5 = 1000美元 / 1.27628 ≈ 783.53美元这意味着在五年内收到1000美元相当于今天拥有大约783.53美元，考虑到5%的回报率。这个计算帮助投资者以同样的标准比较不同的投资机会，使他们能够做出更好的财务决策。“现值折现”不仅适用于投资场景，还在房地产、公司金融和个人财务等多个领域发挥着重要作用。例如，在购买房屋时，潜在买家通常评估与该物业相关的未来现金流，如租金收入或转售价值，并将这些未来现金流折现，以确定其“现值折现”。这帮助他们决定购买价格是否合理，基于预期的回报。此外，企业经常使用“现值折现”来评估项目和投资。通过计算预期未来现金流的PDV，公司可以确定一个项目是否会产生足够的回报以证明初始投资的合理性。如果PDV大于投资成本，通常被认为是一个良好的机会。总之，“现值折现”的概念对于任何参与财务决策的人来说都是必不可少的。它提供了一个框架，用于评估未来现金流在今天的美元中的价值，从而使个人和企业能够做出更明智的选择。理解这一概念不仅有助于投资分析，还提高了财务素养，使个人能够有效应对复杂的财务环境。随着我们继续参与各种金融机会，掌握“现值折现”的原则无疑将为实现我们的财务目标提供帮助。