accounting for inflation

简明释义

按币值调整的会计核算

英英释义

例句

1.Investors should look at their portfolio returns accounting for inflation to assess true performance.

投资者应查看他们的投资组合回报考虑通货膨胀以评估真实表现。

2.When comparing salaries from different years, it's important to consider wages accounting for inflation.

在比较不同年份的工资时，考虑工资考虑通货膨胀是很重要的。

3.Home prices have skyrocketed, but accounting for inflation, they are not as high as they were in the past.

房价飙升，但考虑通货膨胀后，它们并没有达到过去的高点。

4.The government adjusted its budget forecasts accounting for inflation to reflect current economic conditions.

政府调整了预算预测，考虑通货膨胀以反映当前经济状况。

5.The financial report showed a profit increase, but accounting for inflation, the real gain was minimal.

财务报告显示利润增加，但考虑通货膨胀后，实际增幅很小。

作文

In today's economic landscape, understanding financial metrics is crucial for both individuals and businesses. One key concept that often arises in discussions about economics and finance is the importance of accounting for inflation. This phrase refers to the process of adjusting financial figures to reflect the impact of inflation on purchasing power over time. Inflation, which is the rate at which the general level of prices for goods and services rises, erodes the value of money. Therefore, when analyzing income, expenses, or investment returns, it is essential to consider how inflation affects these figures.For instance, let’s take a look at an individual's salary over a decade. If someone earned $50,000 ten years ago, it might seem like a substantial amount. However, if we do not account for inflation, we might overlook that the purchasing power of that salary has significantly decreased due to rising prices. In reality, what could be bought with $50,000 a decade ago may require $60,000 today, depending on the inflation rate. Thus, merely comparing nominal salaries without adjusting for inflation can lead to misleading conclusions about real income growth.Similarly, businesses must also account for inflation when making financial decisions. For example, when evaluating the profitability of a project, a company should consider not just the projected revenues and costs in current dollars but also how inflation will affect these figures in the future. If a company expects to earn $1 million from a project in five years, they need to adjust that figure to reflect its value in today’s dollars by accounting for inflation. Failing to do so may result in overestimating the project's actual profitability.Investors, too, must be vigilant about accounting for inflation when assessing their portfolios. The nominal return on an investment may look appealing, but if inflation is high, the real return—the return adjusted for inflation—may be far less impressive. For instance, if an investment yields a 7% return in a year where inflation is 3%, the real return is only 4%. Investors who neglect to account for inflation may feel satisfied with their gains, only to find that their purchasing power has not increased as expected.Moreover, accounting for inflation is vital for long-term financial planning. Retirement savings, for example, must consider how inflation will impact future living expenses. A retiree today may need to save a larger nest egg than previously thought because the cost of living is likely to rise over the years. By accounting for inflation, individuals can better estimate the amount of money they will need to maintain their desired lifestyle in retirement.In conclusion, accounting for inflation is a fundamental aspect of financial analysis that cannot be overlooked. Whether evaluating personal finances, business projects, or investment returns, adjusting for inflation provides a clearer picture of economic realities. By recognizing the effects of inflation, individuals and organizations can make more informed decisions that enhance their financial well-being. As we navigate through the complexities of the economy, let us remember that understanding the true value of money requires us to always account for inflation in our calculations and projections.

在当今的经济环境中，理解财务指标对个人和企业来说至关重要。一个经常出现在经济和金融讨论中的关键概念是考虑通货膨胀的影响的重要性。这个短语指的是调整财务数字以反映通货膨胀对购买力随时间变化的影响的过程。通货膨胀是指商品和服务的一般价格水平上升的速度，它会侵蚀货币的价值。因此，在分析收入、支出或投资回报时，考虑通货膨胀如何影响这些数字是至关重要的。例如，让我们看看一个人在十年中的薪水。如果某人在十年前赚了50,000美元，这可能看起来是一笔可观的金额。然而，如果我们不考虑通货膨胀的影响，我们可能会忽视由于物价上涨，该薪水的购买力已经大幅下降。实际上，十年前用50,000美元可以购买的东西，今天可能需要60,000美元，具体取决于通货膨胀率。因此，仅仅比较名义薪水而不进行通货膨胀调整，可能会导致对实际收入增长得出误导性的结论。同样，企业在做财务决策时也必须考虑通货膨胀的影响。例如，在评估项目的盈利能力时，公司不仅应考虑当前美元的预计收入和成本，还应考虑通货膨胀将如何影响这些数字。如果一家公司预计在五年内从一个项目中获得100万美元的收入，他们需要调整这个数字，以反映其在今天美元中的价值，通过通货膨胀的影响进行调整。未能做到这一点可能会导致高估项目的实际盈利能力。投资者也必须警惕在评估其投资组合时考虑通货膨胀的影响。投资的名义回报可能看起来很吸引人，但如果通货膨胀率很高，实际回报——经过通货膨胀调整的回报——可能远不如预期。例如，如果一项投资在一年内产生了7%的回报，而通货膨胀率为3%，则实际回报仅为4%。忽视通货膨胀的影响的投资者可能会对自己的收益感到满意，却发现他们的购买力并没有如预期那样增加。此外，通货膨胀的影响在长期财务规划中至关重要。例如，退休储蓄必须考虑通货膨胀将如何影响未来的生活费用。今天的退休人员可能需要比以前认为的更大金额的储蓄，因为生活成本在未来几年可能会上升。通过通货膨胀的影响，个人可以更好地估算他们在退休时维持理想生活方式所需的资金。总之，通货膨胀的影响是财务分析中一个不可忽视的基本方面。无论是在评估个人财务、商业项目还是投资回报时，考虑通货膨胀提供了经济现实的更清晰图景。通过认识到通货膨胀的影响，个人和组织可以做出更明智的决策，从而提高他们的财务福祉。在我们应对经济复杂性时，让我们记住，理解货币的真实价值需要我们在计算和预测中始终考虑通货膨胀的影响。