commuted value

简明释义

未来金额的现值

英英释义

例句

1.Calculating the commuted value can be complex, as it involves interest rates and life expectancy.

计算现值可能很复杂，因为它涉及到利率和预期寿命。

2.He decided to take the commuted value of his retirement plan instead of receiving monthly payments.

他决定领取退休计划的现值，而不是每月领取付款。

3.The financial advisor explained the concept of commuted value to help her understand how much her pension was worth if she took it as a lump sum.

理财顾问解释了现值的概念，以帮助她理解如果她选择一次性领取，她的养老金值多少钱。

4.Many people prefer the commuted value option because it provides immediate access to funds.

许多人更喜欢现值选项，因为它提供了对资金的即时访问。

5.Before making a decision, you should compare the commuted value with the total expected payouts over time.

在做出决定之前，你应该将现值与预计的总支付金额进行比较。

作文

In the realm of finance and insurance, the term commuted value refers to the present value of a series of future cash flows, typically associated with a pension plan or an annuity. Understanding this concept is crucial for individuals who are planning their retirement or those who are evaluating their financial options after leaving a job. The commuted value allows one to assess the worth of future payments in today's terms, providing a clearer picture of one's financial situation.When an individual opts for a lump-sum payment instead of periodic payments, they are essentially receiving the commuted value of their future benefits. This can be particularly appealing for those who may need immediate access to funds or wish to invest the money elsewhere. For instance, if a retiree has the option to receive a monthly pension of $1,000 for the next 20 years, they might instead choose to receive a commuted value that represents the total amount of those future payments, discounted back to present value.The calculation of commuted value involves several factors, including interest rates, life expectancy, and the specific terms of the pension plan or annuity. Financial advisors often use complex formulas to determine this value, ensuring that individuals understand the trade-offs involved in choosing a lump-sum payment over regular income. It is essential to consider the potential risks and rewards associated with such a decision, as receiving a commuted value could lead to greater financial flexibility but also requires careful management of the funds.Moreover, understanding commuted value is not only important for retirees but also for those still in the workforce. Employees should be aware of how their pension plans work and what options they have when it comes time to retire. Knowledge of commuted value can empower individuals to make informed decisions about their financial futures, whether that means taking a lump sum, opting for a monthly payment, or even rolling over funds into another retirement account.In conclusion, the concept of commuted value plays a vital role in personal finance, especially concerning retirement planning. By grasping what commuted value entails, individuals can better navigate their financial choices and secure their financial well-being in the long run. As we move towards an increasingly complex financial landscape, being knowledgeable about terms like commuted value becomes essential for anyone looking to manage their finances effectively. Whether you are nearing retirement or just starting your career, understanding this concept can help you make more strategic decisions that align with your financial goals and needs.

在金融和保险领域，术语commuted value指的是一系列未来现金流的现值，通常与养老金计划或年金相关。理解这一概念对于那些计划退休的人或在离职后评估财务选择的人至关重要。commuted value使人能够以今天的标准评估未来付款的价值，从而提供更清晰的财务状况。当个人选择一次性支付而不是定期支付时，他们实际上是在接受其未来福利的commuted value。这对于那些可能需要立即获取资金或希望将钱投资于其他地方的人尤其具有吸引力。例如，如果一位退休人员有选择在接下来的20年中每月领取1000美元养老金的选项，他们可能会选择接受一个代表这些未来付款总额的commuted value，并将其折算为现值。计算commuted value涉及多个因素，包括利率、预期寿命以及养老金计划或年金的具体条款。财务顾问通常使用复杂的公式来确定该值，以确保个人了解选择一次性支付而非定期收入所涉及的权衡。考虑与此类决策相关的潜在风险和回报至关重要，因为接受commuted value可能会带来更大的财务灵活性，但也需要对资金进行仔细管理。此外，理解commuted value不仅对退休人员重要，对于仍在职场中的人同样重要。员工应了解他们的养老金计划如何运作，以及在退休时有哪些选择。了解commuted value可以使个人能够就其财务未来做出明智的决策，无论是选择一次性支付、选择每月支付，还是将资金转入其他退休账户。总之，commuted value的概念在个人财务中扮演着至关重要的角色，特别是在退休规划方面。通过掌握commuted value的含义，个人可以更好地应对财务选择，确保长期的财务安全。随着我们进入一个日益复杂的金融环境，了解像commuted value这样的术语对于任何希望有效管理财务的人来说变得至关重要。无论你是即将退休还是刚开始职业生涯，理解这一概念都可以帮助你做出更具战略性的决策，以符合你的财务目标和需求。