maturity value

简明释义

到期值

英英释义

例句

1.The maturity value of this insurance policy will be paid out after 20 years.

这份保险单的到期价值将在20年后支付。

2.You can calculate the maturity value of your investment using the interest rate and time period.

你可以使用利率和时间段来计算你的投资的到期价值。

3.The bank will pay you the maturity value of your certificate of deposit at the end of the term.

银行将在存款到期时支付给你定期存款的到期价值。

4.Upon reaching its maturity value, the bond will no longer earn interest.

债券达到其到期价值后，将不再赚取利息。

5.Investors often look for bonds that provide a good maturity value upon redemption.

投资者通常寻找在赎回时提供良好到期价值的债券。

作文

The concept of maturity value is crucial in the world of finance and investment. It refers to the amount of money that will be paid to the holder of a financial instrument, such as a bond or a savings account, when it matures. Understanding maturity value is essential for investors and savers alike, as it determines the total return on their investment over time.When an investor purchases a bond, they are essentially lending money to the issuer of the bond, which could be a government or a corporation. In return for this loan, the issuer agrees to pay interest over the life of the bond and to return the principal amount at maturity. The maturity value of the bond includes both the principal and any remaining interest payments. Therefore, knowing the maturity value helps investors assess the profitability of their investment.For example, consider a bond with a face value of $1,000 and an interest rate of 5%, maturing in ten years. If the investor holds the bond until maturity, they will receive the maturity value of $1,000 plus $500 in interest payments, totaling $1,500. This calculation is vital for understanding the overall return on investment and for making informed decisions about whether to buy or sell the bond before it matures.In addition to bonds, the concept of maturity value also applies to various savings instruments, such as certificates of deposit (CDs) and certain types of insurance policies. For instance, if a person invests in a CD with a fixed term, the maturity value will be the initial deposit plus the interest accrued over the term of the CD. This value is guaranteed, making it a secure investment option for those looking to grow their savings.Another important aspect of maturity value is its role in financial planning. Individuals and businesses must consider maturity value when setting financial goals. By understanding how much they will receive from investments at maturity, they can better plan for future expenses, such as purchasing a home, funding education, or preparing for retirement. This foresight allows for more effective budgeting and financial management.Moreover, the maturity value can also influence market behavior. Investors often look at the maturity value when determining the attractiveness of a particular investment. If the expected maturity value is high relative to the risk involved, more investors may be inclined to purchase that asset. Conversely, if the maturity value does not justify the risk, investors may choose to avoid it.In conclusion, the term maturity value encapsulates a fundamental principle in finance that pertains to the total amount received upon the maturity of an investment. Whether dealing with bonds, savings accounts, or other financial products, understanding maturity value is essential for making informed investment decisions and achieving financial goals. As individuals navigate their financial journeys, the concept of maturity value will continue to play a pivotal role in their strategies for wealth accumulation and management.

“到期价值”这一概念在金融和投资领域至关重要。它指的是持有者在金融工具（如债券或储蓄账户）到期时将获得的金额。理解“到期价值”对于投资者和储户来说至关重要，因为它决定了他们在投资过程中的总回报。当投资者购买债券时，他们实际上是在向债券的发行者（可能是政府或公司）借钱。作为这笔贷款的回报，发行者同意在债券存续期间支付利息，并在到期时返还本金。因此，了解“到期价值”有助于投资者评估其投资的盈利能力。例如，考虑一只面值为1000美元、利率为5%、到期时间为十年的债券。如果投资者持有该债券直到到期，他们将收到1000美元的“到期价值”，加上500美元的利息支付，总计1500美元。这一计算对于理解整体投资回报和做出是否在到期前买入或卖出债券的明智决策至关重要。除了债券之外，“到期价值”的概念还适用于各种储蓄工具，如定期存款（CD）和某些类型的保险单。例如，如果一个人投资于一个固定期限的CD，那么“到期价值”将是初始存款加上CD期限内的累计利息。这个数值是有保障的，使其成为那些希望增加储蓄的人的安全投资选择。“到期价值”的另一个重要方面是它在财务规划中的作用。个人和企业在设定财务目标时必须考虑“到期价值”。通过了解他们在投资到期时将收到多少，他们能够更好地规划未来的支出，例如购房、教育资金或退休准备。这种远见使得预算和财务管理更加有效。此外，“到期价值”还可以影响市场行为。投资者通常会在确定特定投资的吸引力时考虑“到期价值”。如果预期的“到期价值”相对于所涉及的风险较高，更多的投资者可能会倾向于购买该资产。相反，如果“到期价值”不足以证明风险，投资者可能会选择避免。总之，“到期价值”这一术语概括了金融中的一个基本原则，涉及投资到期时收到的总金额。无论是处理债券、储蓄账户还是其他金融产品，理解“到期价值”对于做出明智的投资决策和实现财务目标至关重要。随着个人在财务旅程中不断探索，“到期价值”这一概念将在他们的财富积累和管理策略中继续发挥关键作用。