index-linked interest rate

简明释义

保值利率

英英释义

例句

1.Many investors prefer bonds that offer an index-linked interest rate 与指数挂钩的利率 to protect against inflation.

许多投资者更喜欢提供index-linked interest rate 与指数挂钩的利率 的债券，以防止通货膨胀。

2.The government issued bonds with an index-linked interest rate 与指数挂钩的利率 to help citizens combat rising living costs.

政府发行了带有index-linked interest rate 与指数挂钩的利率 的债券，以帮助公民应对不断上涨的生活成本。

3.Investors should consider the benefits of an index-linked interest rate 与指数挂钩的利率 when planning for retirement.

投资者在规划退休时应考虑index-linked interest rate 与指数挂钩的利率 的好处。

4.A mortgage with an index-linked interest rate 与指数挂钩的利率 can provide lower payments during periods of low inflation.

具有index-linked interest rate 与指数挂钩的利率 的抵押贷款在低通货膨胀时期可以提供较低的还款额。

5.The bank offers a savings account with an index-linked interest rate 与指数挂钩的利率 that adjusts every six months.

该银行提供的储蓄账户具有每六个月调整一次的index-linked interest rate 与指数挂钩的利率。

作文

In today's economic landscape, understanding various financial instruments is crucial for both individuals and businesses. One such concept that has gained prominence in recent years is the index-linked interest rate. This term refers to an interest rate that is adjusted based on a specific index, typically related to inflation or other economic indicators. The primary purpose of an index-linked interest rate is to protect the purchasing power of the interest earned or paid over time. As inflation rises, the value of money decreases, which can erode the real returns on fixed-interest investments. Therefore, having an interest rate that is linked to an index can provide a safeguard against such losses.For instance, consider a scenario where an investor places their money in a savings account with a traditional fixed interest rate. If the annual inflation rate is higher than the fixed rate, the investor effectively loses money in terms of purchasing power. On the other hand, if the investor chooses a savings account with an index-linked interest rate, the interest earned will increase in line with inflation, ensuring that the real value of their investment remains intact.Moreover, index-linked interest rates are not limited to savings accounts; they are also commonly used in government bonds and other financial products. For example, many countries issue treasury bonds that offer returns indexed to inflation. This mechanism not only attracts investors looking for stable returns but also allows governments to manage public debt more effectively. By issuing bonds with index-linked interest rates, governments can ensure that they are able to meet their obligations without being severely impacted by rising inflation.In addition to protecting against inflation, index-linked interest rates can also provide a more predictable return compared to traditional fixed rates. Investors who choose products linked to an index can often anticipate how their returns will change over time, allowing for better financial planning. This predictability is particularly appealing in volatile economic climates where interest rates may fluctuate significantly.However, it is essential to understand that index-linked interest rates also come with their own set of risks and considerations. For one, the performance of the index itself can be unpredictable, which means that while the interest rate may rise with inflation, it could also lead to lower returns if the index does not perform as expected. Additionally, these products may have lower initial interest rates compared to fixed-rate options, which could deter some investors.In conclusion, the concept of index-linked interest rates plays a vital role in modern finance by providing a mechanism for individuals and institutions to hedge against inflation and maintain the real value of their investments. As the economy continues to evolve, the importance of understanding such financial instruments will only grow. For those looking to secure their financial future, exploring options with index-linked interest rates may be a prudent choice, offering both stability and growth potential in an ever-changing economic environment.

在当今的经济环境中，理解各种金融工具对个人和企业都至关重要。近年来，一个日益突出的概念是与指数挂钩的利率。这个术语指的是一种基于特定指数（通常与通货膨胀或其他经济指标相关）进行调整的利率。与指数挂钩的利率的主要目的是保护所赚取或支付的利息的购买力。随着通货膨胀的上升，货币的价值下降，这可能会侵蚀固定利率投资的实际回报。因此，拥有与指数挂钩的利率可以为这些损失提供保障。例如，考虑一个场景，投资者将资金存入一个传统的固定利率储蓄账户。如果年通货膨胀率高于固定利率，投资者实际上会在购买力方面失去金钱。另一方面，如果投资者选择一个具有与指数挂钩的利率的储蓄账户，所赚取的利息将随通货膨胀而增加，从而确保其投资的实际价值保持不变。此外，与指数挂钩的利率不仅限于储蓄账户；它们也常用于国债和其他金融产品。例如，许多国家发行的国债提供与通货膨胀挂钩的回报。这种机制不仅吸引了寻求稳定回报的投资者，还使政府能够更有效地管理公共债务。通过发行具有与指数挂钩的利率的债券，政府可以确保在通货膨胀上升的情况下，能够履行其义务，而不会受到严重影响。除了保护免受通货膨胀影响外，与指数挂钩的利率还可以提供比传统固定利率更可预测的回报。选择与指数挂钩的产品的投资者通常可以预见他们的回报如何随时间变化，从而实现更好的财务规划。在经济气候波动较大的情况下，这种可预测性尤其吸引人，因为利率可能会显著波动。然而，必须理解的是，与指数挂钩的利率也带来了自己的一系列风险和考虑因素。一方面，指数本身的表现可能不可预测，这意味着虽然利率可能随通货膨胀上升，但如果指数表现不如预期，也可能导致回报降低。此外，这些产品的初始利率可能低于固定利率选项，这可能会使一些投资者却步。总之，与指数挂钩的利率的概念在现代金融中扮演着至关重要的角色，通过提供一种机制，使个人和机构能够对冲通货膨胀，维护其投资的实际价值。随着经济的不断发展，理解这些金融工具的重要性只会增加。对于那些希望确保财务未来的人来说，探索具有与指数挂钩的利率的选项可能是明智的选择，在不断变化的经济环境中提供稳定性和增长潜力。