discounted value

简明释义

贴现值

英英释义

例句

1.To make informed decisions, businesses often calculate the discounted value of their projected earnings.

为了做出明智的决策，企业通常会计算其预期收益的折现值。

2.The discounted value of an annuity can help retirees plan their finances more effectively.

年金的折现值可以帮助退休人员更有效地规划他们的财务。

3.The discounted value of a bond helps investors understand its present worth compared to future payments.

债券的折现值帮助投资者理解其与未来支付相比的当前价值。

4.When assessing future cash flows, it's essential to find the discounted value to account for inflation.

在评估未来现金流时，找到折现值以考虑通货膨胀是至关重要的。

5.The discounted value of the investment is calculated to determine its current worth.

投资的折现值被计算出来以确定其当前价值。

作文

In the world of finance and investment, understanding the concept of discounted value is crucial for making informed decisions. The term discounted value refers to the present value of a future cash flow or series of cash flows, adjusted for the time value of money. This principle is based on the idea that a specific amount of money today is worth more than the same amount in the future due to its potential earning capacity. This concept is fundamental in various financial analyses, including capital budgeting, investment valuation, and project evaluation.To illustrate this concept, let’s consider an example. Imagine you have the opportunity to receive $1,000 one year from now. If the current interest rate is 5%, you could invest that money today and earn interest, making your investment grow. Therefore, the discounted value of receiving $1,000 in one year is calculated by taking into account this interest rate. The formula to determine the discounted value is:\[ \text{Discounted Value} = \frac{FV}{(1 + r)^n} \]Where:- FV is the future value ($1,000 in this case)- r is the interest rate (0.05)- n is the number of years until the cash flow is received (1 year)Using this formula, the discounted value of $1,000 received in one year at a 5% interest rate would be:\[ \text{Discounted Value} = \frac{1000}{(1 + 0.05)^1} = \frac{1000}{1.05} \approx 952.38 \]Thus, the discounted value of $1,000 received a year from now is approximately $952.38. This means that if you were to receive $952.38 today and invest it at a 5% interest rate, it would grow to $1,000 in one year.Understanding discounted value is essential not only for individual investors but also for companies evaluating potential projects. For instance, firms often use discounted value calculations to assess the viability of new investments or projects. By estimating future cash inflows and applying the discounted value formula, businesses can determine whether the anticipated returns justify the initial investment.Moreover, in real estate, the discounted value is used to appraise properties by estimating the future rental income and adjusting it to present value. This helps investors make informed decisions about purchasing or selling properties based on their potential profitability over time.In conclusion, the concept of discounted value is a vital tool in finance that helps individuals and organizations evaluate the worth of future cash flows in today's terms. By recognizing the time value of money, investors can make better decisions regarding their finances and investments. Whether one is planning for retirement, investing in stocks, or considering a business project, grasping the idea of discounted value is essential for achieving financial success and security.

在金融和投资的世界中，理解“折现值”这一概念对于做出明智的决策至关重要。术语“折现值”指的是未来现金流或一系列现金流的现值，经过时间价值的调整。这个原则基于这样一个观点：今天的特定金额比未来相同金额更有价值，因为它具有潜在的收益能力。这个概念在各种金融分析中是基础，包括资本预算、投资估值和项目评估。为了说明这一概念，让我们考虑一个例子。假设你有机会在一年后收到1000美元。如果当前利率为5%，你可以今天投资这笔钱并赚取利息，使你的投资增长。因此，在5%的利率下，未来一年收到1000美元的“折现值”是通过考虑这一利率来计算的。计算“折现值”的公式是：\[ \text{折现值} = \frac{FV}{(1 + r)^n} \]其中：- FV 是未来价值（在这种情况下为1000美元）- r 是利率（0.05）- n 是收到现金流的年数（1年）使用这个公式，未来一年以5%利率收到1000美元的“折现值”将是：\[ \text{折现值} = \frac{1000}{(1 + 0.05)^1} = \frac{1000}{1.05} \approx 952.38 \]因此，在一年后收到1000美元的“折现值”大约为952.38美元。这意味着，如果你今天收到952.38美元并以5%的利率投资，它将在一年内增长到1000美元。理解“折现值”不仅对个人投资者至关重要，而且对评估潜在项目的公司也至关重要。例如，公司通常使用“折现值”计算来评估新投资或项目的可行性。通过估算未来现金流入并应用“折现值”公式，企业可以确定预期回报是否足以证明初始投资的合理性。此外，在房地产领域，“折现值”用于评估物业，通过估算未来的租金收入并将其调整为现值。这帮助投资者根据物业的潜在盈利能力做出关于购买或出售物业的明智决策。总之，“折现值”的概念是金融中的一个重要工具，帮助个人和组织评估未来现金流在今天的价值。通过认识到货币的时间价值，投资者可以更好地做出财务和投资决策。无论是计划退休、投资股票，还是考虑商业项目，掌握“折现值”的概念对于实现财务成功和安全至关重要。