deferred savings
简明释义
延存储金
英英释义
例句
1.Many employees prefer to invest in a retirement plan that offers deferred savings because it allows them to save money without immediate tax implications.
许多员工更喜欢投资于提供递延储蓄的退休计划,因为这使他们能够在没有立即税务影响的情况下存钱。
2.Understanding the benefits of deferred savings is crucial for effective financial planning.
理解递延储蓄的好处对于有效的财务规划至关重要。
3.The company's new policy encourages deferred savings by matching employee contributions to their retirement accounts.
公司的新政策通过匹配员工对其退休账户的贡献来鼓励递延储蓄。
4.Parents often set up deferred savings plans for their children's education to reduce the financial burden later on.
父母通常为孩子的教育设立递延储蓄计划,以减轻未来的经济负担。
5.Investing in deferred savings accounts can help individuals accumulate wealth over time while deferring taxes until withdrawal.
投资于递延储蓄账户可以帮助个人随着时间的推移积累财富,同时将税款递延到取款时。
作文
In today's fast-paced world, the concept of savings has taken on new dimensions. One such dimension is the idea of deferred savings, which refers to a strategy where individuals postpone their savings to a later date, often with the goal of maximizing their financial growth over time. This approach can be particularly beneficial for those who might not have the immediate funds available to save but still wish to secure their financial future. Deferred savings allows individuals to plan their finances in a way that aligns with their long-term goals rather than focusing solely on short-term needs.The benefits of deferred savings are numerous. Firstly, it encourages individuals to think about their future and the importance of setting aside money for retirement or other significant life events. By deferring their savings, individuals can take advantage of compound interest, which means that their money can grow substantially over time. For instance, if someone starts saving a small amount in their twenties and defers additional contributions until their thirties, they could end up with a much larger sum by the time they reach retirement age compared to someone who saves a larger amount but starts later.Moreover, deferred savings can also be advantageous in terms of tax benefits. In many countries, there are specific accounts designed for retirement savings that allow individuals to defer taxes on their contributions until they withdraw the funds in retirement. This can lead to significant tax savings and provide a larger nest egg for the future. Understanding the tax implications of deferred savings can empower individuals to make informed decisions about their financial planning.However, it is essential to approach deferred savings with caution. While the strategy can yield significant benefits, it requires discipline and commitment. Individuals must be willing to resist the temptation to spend the money they intend to save. Setting up automatic transfers to savings accounts can help mitigate this issue, ensuring that money is set aside before it can be spent. Additionally, individuals should regularly review their financial goals and adjust their savings plans as necessary to stay on track.Another important aspect of deferred savings is the need for a well-structured financial plan. This plan should include not only savings goals but also an understanding of expenses, income, and investment opportunities. Having a comprehensive view of one's financial situation can help individuals make better decisions about how much to defer and when to start saving. Financial advisors can play a crucial role in this process, providing guidance and support to help individuals navigate their savings journey.In conclusion, deferred savings represents a valuable strategy for individuals looking to secure their financial future. By postponing savings to a later date, individuals can maximize their financial growth, take advantage of tax benefits, and develop a disciplined approach to saving. However, it is crucial to maintain a clear financial plan and remain committed to long-term goals. With careful planning and execution, deferred savings can lead to a more secure and prosperous future for individuals and families alike.
在当今快速发展的世界中,储蓄的概念已经呈现出新的维度。其中一个维度就是递延储蓄的思想,它指的是一种策略,个人将储蓄推迟到更晚的日期,通常是为了最大化他们的财务增长。这种方法对于那些可能没有立即可用资金进行储蓄但仍希望确保自己财务未来的人来说特别有利。递延储蓄使个人能够以与其长期目标相一致的方式规划财务,而不仅仅关注短期需求。递延储蓄的好处是众多的。首先,它鼓励个人思考自己的未来以及为退休或其他重要生活事件预留资金的重要性。通过推迟储蓄,个人可以利用复利,这意味着他们的资金可以随着时间的推移大幅增长。例如,如果某人在二十岁时开始储蓄一小笔钱,并在三十岁时推迟额外的存款,那么到他们达到退休年龄时,他们可能会拥有比那些较晚开始储蓄的人更大的一笔资金。此外,递延储蓄在税收优惠方面也可能是有利的。在许多国家,有专门为退休储蓄设计的账户,允许个人在退休时提取资金时推迟对其贡献的税款。这可以导致显著的税收节省,并为未来提供更大的资金池。了解递延储蓄的税收影响可以使个人能够做出明智的财务规划决策。然而,必须谨慎对待递延储蓄。虽然这种策略可以带来显著的好处,但它需要纪律和承诺。个人必须愿意抵制花费他们打算储蓄的钱的诱惑。设置自动转账到储蓄账户可以帮助减轻这个问题,确保在可以花费之前就将钱存起来。此外,个人应定期审查其财务目标,并根据需要调整储蓄计划,以保持在正轨上。递延储蓄的另一个重要方面是需要一个结构良好的财务计划。该计划应包括不仅仅是储蓄目标,还要理解支出、收入和投资机会。对个人财务状况的全面了解可以帮助个人做出更好的决定,关于推迟多少以及何时开始储蓄。财务顾问在这一过程中可以发挥至关重要的作用,为个人提供指导和支持,帮助他们顺利度过储蓄之旅。总之,递延储蓄代表了一种有价值的策略,适合希望确保财务未来的个人。通过将储蓄推迟到更晚的日期,个人可以最大化其财务增长,利用税收优惠,并培养一种有纪律的储蓄方法。然而,保持清晰的财务计划并坚持长期目标至关重要。通过仔细的规划和执行,递延储蓄可以为个人和家庭的未来带来更安全、更繁荣的前景。
相关单词