time deposit; fixed deposit; fixed account

简明释义

定期存款

英英释义

例句

1.I decided to open a time deposit 定期存款 account to earn higher interest on my savings.

我决定开一个定期存款 time deposit账户，以便在我的储蓄上赚取更高的利息。

2.Investing in a fixed deposit 固定存款 is a safe way to grow your money over time.

投资于固定存款 fixed deposit是随着时间增长资金的一种安全方式。

3.My friend recommended a fixed account 固定账户 because it has a guaranteed return.

我的朋友推荐了一个固定账户 fixed account，因为它有保证的回报。

4.The bank offers a special rate for new customers who open a fixed deposit 固定存款 account.

银行为新客户提供特别利率，要求他们开设固定存款 fixed deposit账户。

5.After researching different banks, I chose one with the best rates for time deposits 定期存款.

在研究了不同的银行后，我选择了一个提供最佳定期存款 time deposits利率的银行。

作文

When it comes to saving money, individuals often seek the most secure and beneficial options available. One popular choice is the time deposit, also known as a fixed deposit or fixed account. These financial instruments offer a way for savers to earn interest on their funds while ensuring that their money remains safe from market fluctuations. In this essay, we will explore the characteristics, benefits, and potential drawbacks of time deposits.定期存款，也称为固定存款或固定账户，是个人和企业常用的一种储蓄方式。Time deposits are typically offered by banks and credit unions, where a customer agrees to deposit a certain amount of money for a fixed period, ranging from a few months to several years. In return, the bank pays a higher interest rate than what is usually offered on regular savings accounts. This makes fixed deposits an attractive option for those looking to grow their savings over time.固定存款通常由银行和信用社提供，客户同意在一定的期限内存入一定金额的资金，期限从几个月到几年不等。作为回报，银行支付的利率通常高于普通储蓄账户的利率。这使得固定账户成为希望随着时间增长储蓄的人的一种吸引人的选择。One significant advantage of time deposits is the predictability they offer. Once the interest rate is set at the beginning of the deposit term, it remains unchanged throughout the duration of the investment. This stability allows savers to plan their finances with greater confidence, knowing exactly how much interest they will earn by the end of the term. In contrast, traditional savings accounts may have fluctuating interest rates, which can make it difficult for individuals to gauge their potential earnings.定期存款的一个重要优势是它们所提供的可预测性。一旦在存款期开始时设定了利率，它将在投资期间保持不变。这种稳定性使储户能够更有信心地规划他们的财务，确切知道到期时将获得多少利息。相比之下，传统的储蓄账户可能会有波动的利率，这使得个人难以评估他们的潜在收益。Another benefit of fixed deposits is the safety they provide. Funds deposited in a fixed account are often insured by government agencies up to a certain limit, protecting savers from losing their money in the event of a bank failure. This level of security is particularly appealing to risk-averse individuals who prioritize the preservation of their capital over high returns. Additionally, since the funds are locked in for a specified period, there is less temptation to withdraw money impulsively, encouraging better savings habits.固定存款的另一个好处是它们提供的安全性。存入固定账户的资金通常由政府机构在一定限额内投保，保护储户在银行破产时不会失去资金。这种安全级别对那些优先考虑资本保值而非高回报的风险厌恶型个人尤其具有吸引力。此外，由于资金在指定期限内被锁定，因此冲动提取资金的诱惑较小，有助于养成更好的储蓄习惯。However, there are some drawbacks to consider when choosing a time deposit. The most significant limitation is the lack of liquidity. Once the money is deposited, it cannot be accessed until the maturity date without incurring penalties. This can pose a challenge for individuals who may need quick access to their funds for emergencies or unexpected expenses. Furthermore, if inflation rates rise significantly during the deposit term, the real value of the interest earned may diminish, potentially resulting in lower purchasing power.然而，在选择定期存款时，有一些缺点需要考虑。最显著的限制是流动性不足。一旦资金存入，直到到期日之前无法访问，除非支付罚款。这可能对那些可能需要快速获取资金以应对紧急情况或意外开支的个人构成挑战。此外，如果在存款期限内通货膨胀率显著上升，所获得的利息的实际价值可能会降低，从而导致购买力下降。In conclusion, time deposits, or fixed deposits, represent a solid choice for individuals seeking a safe and predictable way to save money. They offer guaranteed interest rates and protection against market volatility, making them appealing to conservative investors. However, it is essential to weigh the benefits against the limitations, particularly regarding liquidity and potential inflation impacts. By understanding these factors, savers can make informed decisions about whether a fixed account aligns with their financial goals.总之，定期存款或固定存款代表了寻求安全和可预测储蓄方式的个人的稳固选择。它们提供保证的利率和对市场波动的保护，使其对保守投资者具有吸引力。然而，重要的是要权衡好处与局限性，特别是在流动性和潜在通货膨胀影响方面。通过理解这些因素，储户可以就固定账户是否符合他们的财务目标做出明智的决定。