rate per annum

简明释义

年率

英英释义

例句

1.Many companies offer retirement plans that guarantee a minimum rate per annum of return.

许多公司提供的退休计划保证最低年回报率。

2.The rate per annum for this mortgage is fixed at 3.75%.

这笔抵押贷款的年利率固定为3.75%。

3.Investors were pleased to see a higher rate per annum on their bonds this year.

投资者们很高兴看到他们的债券今年的年利率提高了。

4.The bank offers a savings account with an interest rate per annum of 2.5%.

这家银行提供的储蓄账户年利率为2.5%。

5.When applying for a loan, it's important to compare the rate per annum from different lenders.

申请贷款时，比较不同贷款方的年利率是很重要的。

作文

Understanding financial terms is crucial for making informed decisions, especially when it comes to investments and savings. One such term that often appears in financial documents is rate per annum, which refers to the annual interest rate applied to an investment or loan. This term is significant as it helps individuals gauge how much they can expect to earn on their investments or how much they will need to pay back over time. In this essay, I will explore the meaning of rate per annum and its implications in personal finance.To begin with, the term rate per annum can be broken down into two parts: 'rate' and 'per annum'. The 'rate' indicates the percentage of interest that will be charged or earned, while 'per annum' means 'for each year'. Therefore, when we talk about a rate per annum, we are discussing the yearly interest rate applied to a specific amount of money.For instance, if you invest $1,000 at a rate per annum of 5%, you can expect to earn $50 in interest after one year. This calculation is simple and straightforward, but it becomes more complex when considering compounding interest. Compounding occurs when the interest earned is added to the principal amount, and future interest calculations are based on this new total. Understanding how rate per annum works in conjunction with compounding can significantly affect the growth of your investments.Furthermore, the rate per annum can vary depending on the type of investment or loan. For example, savings accounts typically offer lower rates per annum, whereas stocks and bonds may have higher rates due to their associated risks. It is essential to compare different financial products to find the best rate per annum that suits your financial goals and risk tolerance.Another critical aspect to consider is how inflation affects the real value of your returns. If the rate per annum on your investment is lower than the inflation rate, the purchasing power of your earnings may diminish over time. For instance, if you have a rate per annum of 3% but the inflation rate is 4%, you are effectively losing money in terms of what that amount can buy in the future. Therefore, when evaluating investment opportunities, it's vital to take both the rate per annum and the inflation rate into account.In conclusion, the term rate per annum is a fundamental concept in finance that refers to the annual interest rate on loans or investments. Understanding this term is essential for anyone looking to manage their finances effectively. Whether you are saving for retirement, buying a home, or investing in the stock market, knowing how to interpret the rate per annum can help you make better financial decisions. Always remember to consider the impact of inflation and compare different options to ensure that your money is working for you in the best possible way.

理解金融术语对于做出明智的决策至关重要，尤其是在投资和储蓄方面。其中一个常见的术语是年利率，它指的是适用于投资或贷款的年利率。这个术语很重要，因为它帮助个人评估他们在投资中可以预期赚取多少收益或需要偿还多少金额。本文将探讨年利率的含义及其在个人财务中的影响。首先，术语年利率可以分为两个部分：“利率”和“每年”。“利率”表示将收取或赚取的百分比，而“每年”意味着“每年”。因此，当我们谈论年利率时，我们讨论的是适用于特定金额的年度利率。例如，如果您以5%的年利率投资1000美元，您可以期待在一年后赚取50美元的利息。这个计算简单明了，但当考虑复利时就会变得复杂。复利发生在所赚取的利息被添加到本金上，未来的利息计算基于这个新总额。理解年利率如何与复利相结合，可以显著影响您的投资增长。此外，年利率可能因投资或贷款类型而异。例如，储蓄账户通常提供较低的年利率，而股票和债券由于其相关风险可能具有更高的利率。因此，比较不同的金融产品以找到最适合您财务目标和风险承受能力的年利率是至关重要的。另一个关键方面是通货膨胀如何影响您回报的实际价值。如果您的投资的年利率低于通货膨胀率，则您收益的购买力可能会随着时间的推移而降低。例如，如果您的年利率为3%，但通货膨胀率为4%，那么从未来的角度来看，您实际上是在亏损。因此，在评估投资机会时，考虑年利率和通货膨胀率是至关重要的。总之，术语年利率是金融中的一个基本概念，指的是贷款或投资的年利率。理解这个术语对任何希望有效管理自己财务的人来说都是必不可少的。无论您是在为退休储蓄、购房还是投资股市，了解如何解读年利率都可以帮助您做出更好的财务决策。始终记得考虑通货膨胀的影响，并比较不同的选项，以确保您的资金以最佳方式为您工作。