Fixed income

简明释义

定息债券

英英释义

例句

1.Many retirees rely on fixed income 固定收入 from pensions and social security.

许多退休人员依赖于养老金和社会保障提供的固定收入。

2.People on a fixed income 固定收入 may find it challenging to manage unexpected expenses.

处于固定收入状态的人可能会发现管理意外开支很困难。

3.Investors often seek fixed income 固定收入 securities to balance their portfolios.

投资者通常寻求固定收入证券来平衡他们的投资组合。

4.A fixed income 固定收入 strategy can help mitigate risks during market volatility.

在市场波动期间，固定收入策略可以帮助减轻风险。

5.Municipal bonds are a popular choice for those seeking fixed income 固定收入 investments.

市政债券是那些寻求固定收入投资的人的热门选择。

作文

Understanding the concept of fixed income is crucial for anyone looking to invest wisely and secure their financial future. In the simplest terms, fixed income refers to a type of investment that provides returns in the form of regular, or fixed, interest payments and the eventual return of principal at maturity. This category of investments includes government bonds, corporate bonds, and other debt instruments. Investors often turn to fixed income securities to achieve a stable cash flow, preserve capital, and diversify their portfolios.One of the primary advantages of fixed income investments is their ability to provide predictable income. Unlike stocks, where dividends can fluctuate based on company performance, fixed income securities offer guaranteed interest payments. For retirees or those seeking a reliable income stream, fixed income can be an attractive option. It allows them to plan their finances with greater certainty, knowing that they will receive a set amount of money at regular intervals.Moreover, fixed income investments are generally considered to be less risky than equities. While stock prices can be volatile and subject to market fluctuations, fixed income securities tend to be more stable. This stability makes them an appealing choice for conservative investors who prioritize capital preservation over high returns. However, it is important to note that fixed income investments are not without risks. Interest rate risk, credit risk, and inflation risk are some of the factors that investors must consider when investing in fixed income securities.Interest rate risk refers to the potential for investment losses due to changes in interest rates. When interest rates rise, the value of existing fixed income securities typically falls, as newer issues pay higher rates. This can lead to capital losses if an investor needs to sell their fixed income investments before maturity. Credit risk, on the other hand, involves the possibility that a bond issuer may default on their payment obligations, leading to a loss for the investor. Therefore, it is essential for investors to assess the creditworthiness of issuers before investing in fixed income securities.Inflation risk is another critical consideration. As inflation rises, the purchasing power of the fixed interest payments received from fixed income investments may decline. This means that while investors receive the same nominal amount in interest, its real value diminishes over time. To mitigate this risk, some investors may consider inflation-linked bonds, which adjust their interest payments based on inflation rates.In conclusion, fixed income investments play a vital role in a well-rounded investment strategy. They offer stability, predictable income, and diversification, making them suitable for various types of investors. However, it is essential to understand the associated risks and conduct thorough research before committing to any fixed income securities. By carefully balancing fixed income investments with other asset classes, investors can create a resilient portfolio that meets their financial goals while managing risk effectively. Overall, mastering the intricacies of fixed income will empower investors to make informed decisions and navigate the complexities of the financial markets successfully.

理解固定收益的概念对任何希望明智投资和保障财务未来的人来说都是至关重要的。简单来说，固定收益指的是一种投资类型，它以定期或固定的利息支付和到期时本金的最终返还形式提供回报。这类投资包括政府债券、公司债券和其他债务工具。投资者通常选择固定收益证券，以实现稳定的现金流、保护资本和分散投资组合。固定收益投资的主要优势之一是它们能够提供可预测的收入。与股票不同，股票的股息可能根据公司表现而波动，固定收益证券提供保证的利息支付。对于退休人员或那些寻求可靠收入来源的人来说，固定收益可能是一个有吸引力的选择。它使他们能够更有把握地规划财务，知道自己将在定期的间隔内收到一定金额的钱。此外，固定收益投资通常被认为比股票风险更小。虽然股票价格可能波动且受市场波动影响，固定收益证券往往更为稳定。这种稳定性使其成为保守型投资者的理想选择，他们优先考虑资本保护，而不是高回报。然而，值得注意的是，固定收益投资并非没有风险。利率风险、信用风险和通货膨胀风险是投资者在投资固定收益证券时必须考虑的一些因素。利率风险指的是由于利率变化而导致投资损失的潜在风险。当利率上升时，现有固定收益证券的价值通常会下降，因为新发行的证券支付更高的利率。如果投资者需要在到期前出售其固定收益投资，这可能会导致资本损失。另一方面，信用风险涉及债券发行人可能违约的可能性，导致投资者损失。因此，投资者在投资固定收益证券之前，评估发行人的信用状况是至关重要的。通货膨胀风险是另一个关键考虑因素。随着通货膨胀上升，从固定收益投资中获得的固定利息支付的购买力可能下降。这意味着尽管投资者获得相同的名义利息金额，但其实际价值随着时间的推移而减少。为了减轻这种风险，一些投资者可能会考虑与通货膨胀挂钩的债券，这些债券根据通货膨胀率调整其利息支付。总之，固定收益投资在全面的投资策略中扮演着重要角色。它们提供稳定性、可预测的收入和多样化，使其适合各种类型的投资者。然而，在承诺任何固定收益证券之前，了解相关风险并进行彻底研究是至关重要的。通过仔细平衡固定收益投资与其他资产类别，投资者可以创建一个强韧的投资组合，以满足他们的财务目标，同时有效管理风险。总体而言，掌握固定收益的复杂性将使投资者能够做出明智的决策，并成功应对金融市场的复杂性。