present sum to future sum ratio

简明释义

现值与未来值比率

英英释义

例句

1.By analyzing the present sum to future sum ratio, we can better understand the time value of money.

通过分析现值与未来值比率，我们可以更好地理解货币的时间价值。

2.Understanding the present sum to future sum ratio can help investors make informed decisions.

理解现值与未来值比率可以帮助投资者做出明智的决策。

3.In retirement planning, the present sum to future sum ratio is crucial for determining how much to save.

在退休规划中，现值与未来值比率对确定需要储蓄的金额至关重要。

4.The financial analyst calculated the present sum to future sum ratio to assess the investment's viability.

财务分析师计算了现值与未来值比率以评估投资的可行性。

5.The present sum to future sum ratio indicates whether the current investment will yield satisfactory returns.

该现值与未来值比率表明当前投资是否会产生令人满意的回报。

作文

In the realm of finance and economics, understanding the concept of the present sum to future sum ratio is crucial for making informed investment decisions. This ratio helps investors evaluate the relationship between the current value of money and its projected value in the future. Essentially, it allows individuals to assess whether an investment is worth pursuing based on the time value of money. The present sum to future sum ratio can be defined as the comparison of the present value of an amount of money to its future value, taking into account factors such as interest rates and inflation.To grasp this concept better, let’s consider a simple example. Imagine you have $1,000 today. If you invest this amount at an annual interest rate of 5%, after one year, it will grow to $1,050. In this scenario, the present sum to future sum ratio would be 1:1.05, indicating that for every dollar you invest today, it will yield $1.05 in the future. This ratio is essential for evaluating the profitability of various investment options.Moreover, the present sum to future sum ratio plays a significant role in financial planning. Individuals need to consider how much they will need in the future for retirement, education, or other expenses. By calculating the present sum to future sum ratio, they can determine how much they should save or invest today to meet their future financial goals. For instance, if someone wishes to have $100,000 in ten years and expects an annual return of 6%, they can use this ratio to find out how much they need to set aside now.Understanding the present sum to future sum ratio also aids in comparing different investment opportunities. For example, if one investment offers a higher future return but requires a larger initial investment, while another offers a lower return with a smaller investment, the ratio helps investors make a more informed choice. By analyzing these ratios, they can select the option that aligns best with their financial objectives and risk tolerance.Furthermore, the present sum to future sum ratio is not only applicable to individual investments but also to businesses. Companies often need to evaluate the potential returns on new projects or expansions. By calculating this ratio, they can determine whether the expected future cash flows justify the initial capital outlay. This analysis is vital for strategic decision-making and ensuring long-term profitability.In conclusion, the present sum to future sum ratio is a fundamental concept in finance that enables individuals and businesses to assess the value of money over time. By understanding this ratio, one can make better investment choices, plan for the future, and evaluate the viability of various financial opportunities. As we navigate through an increasingly complex financial landscape, mastering the present sum to future sum ratio will undoubtedly empower us to achieve our financial goals more effectively.

在金融和经济领域，理解“现值与未来值比率”的概念对于做出明智的投资决策至关重要。这个比率帮助投资者评估当前货币价值与其未来预期价值之间的关系。基本上，它允许个人根据货币的时间价值来评估某项投资是否值得追求。“现值与未来值比率”可以定义为一笔资金的现值与其未来值的比较，考虑到利率和通货膨胀等因素。为了更好地理解这个概念，让我们考虑一个简单的例子。假设你今天有1000美元。如果你以5%的年利率投资这笔钱，经过一年，它将增长到1050美元。在这种情况下，“现值与未来值比率”将是1:1.05，表明每投资1美元，未来将获得1.05美元。这个比率对于评估各种投资选择的盈利能力至关重要。此外，“现值与未来值比率”在财务规划中也发挥着重要作用。个人需要考虑他们未来在退休、教育或其他开支方面的需求。通过计算“现值与未来值比率”，他们可以确定现在需要储蓄或投资多少，以满足未来的财务目标。例如，如果某人希望在十年内拥有10万美元，并预计年回报为6%，他们可以利用这个比率找出现在需要存入多少。理解“现值与未来值比率”还有助于比较不同的投资机会。例如，如果一种投资提供更高的未来回报但需要更大的初始投资，而另一种投资提供较低的回报且投资较小，这个比率可以帮助投资者做出更明智的选择。通过分析这些比率，他们可以选择最符合其财务目标和风险承受能力的选项。此外，“现值与未来值比率”不仅适用于个人投资，也适用于企业。公司经常需要评估新项目或扩展的潜在回报。通过计算这个比率，他们可以确定预期的未来现金流是否足以证明初始资本支出。这种分析对于战略决策和确保长期盈利能力至关重要。总之，“现值与未来值比率”是金融中的一个基本概念，使个人和企业能够评估资金随时间变化的价值。通过理解这个比率，人们可以做出更好的投资选择，规划未来，并评估各种财务机会的可行性。在我们在日益复杂的金融环境中航行时，掌握“现值与未来值比率”无疑将使我们更有效地实现财务目标。