discretional account

简明释义

由经纪人全权处理的资本帐户，由中间人全权处理的资本帐户

英英释义

例句

1.With a discretional account, the broker can make trades on behalf of the client without prior approval.

通过自主账户，经纪人可以在客户不事先批准的情况下代表其进行交易。

2.The financial advisor suggested opening a discretional account for better investment management.

财务顾问建议开设一个自主账户以更好地管理投资。

3.Investors often prefer discretional accounts for their convenience and professional management.

投资者通常更喜欢自主账户，因为它们方便且专业管理。

4.The risks associated with a discretional account should be thoroughly understood before opening one.

在开设自主账户之前，应彻底了解相关风险。

5.He was pleased with the performance of his discretional account over the past year.

他对自己过去一年自主账户的表现感到满意。

作文

In the world of finance and investment, the term discretional account refers to a type of account in which a financial advisor or a portfolio manager has the authority to make investment decisions on behalf of the client without needing to consult them for each transaction. This arrangement can be particularly beneficial for individuals who may not have the time, expertise, or inclination to manage their investments actively. The discretional account allows for a more streamlined approach to investing, where the manager can take advantage of market opportunities as they arise, potentially leading to better returns over time.One of the primary advantages of having a discretional account is the professional management it provides. Clients can benefit from the expertise of seasoned professionals who understand market trends, economic indicators, and asset allocation strategies. These managers often have access to advanced research tools and resources that individual investors may not possess. By leveraging this knowledge, they can make informed decisions that align with the client's investment goals and risk tolerance.Moreover, a discretional account can offer greater flexibility in trading. When a financial manager has discretion over an account, they can react quickly to changes in the market. For instance, if a particular stock is expected to rise due to positive earnings reports, the manager can buy shares immediately without waiting for approval from the client. This agility can be crucial in volatile markets where timing is essential to capitalize on price movements.However, it's important to note that with a discretional account comes a level of trust that must be established between the client and the advisor. Clients must feel confident that their manager will act in their best interests and make prudent investment decisions. To foster this trust, it is advisable for clients to conduct thorough research before selecting a financial advisor. This includes reviewing the advisor's track record, understanding their investment philosophy, and ensuring they have the necessary qualifications and experience.Another consideration when opening a discretional account is the fee structure. Typically, financial advisors charge a percentage of assets under management (AUM) for their services. While this can be a reasonable cost for the level of service provided, clients should be aware of how these fees can impact overall returns. It's essential to discuss and understand all potential costs associated with managing a discretional account before committing to this type of investment strategy.In conclusion, a discretional account can be an excellent option for investors looking for professional management and the ability to react swiftly to market changes. By entrusting their investments to a qualified manager, clients can potentially achieve better financial outcomes while freeing themselves from the burdens of day-to-day investment decisions. However, as with any investment strategy, it is crucial to weigh the benefits against the risks and costs involved. Ultimately, the decision to open a discretional account should be made with careful consideration and a clear understanding of one's financial goals and the advisor's capabilities.

在金融和投资的世界中，术语discretional account指的是一种账户类型，在这种账户中，财务顾问或投资组合经理有权代表客户进行投资决策，而无需在每笔交易上咨询他们。这种安排对于那些可能没有时间、专业知识或意愿积极管理其投资的个人尤其有利。discretional account允许对投资采取更简化的方法，经理可以在市场机会出现时迅速采取行动，从而可能导致更好的长期回报。拥有discretional account的主要优势之一是提供专业管理。客户可以受益于经验丰富的专业人士的专业知识，他们了解市场趋势、经济指标和资产配置策略。这些经理通常可以访问个人投资者可能没有的先进研究工具和资源。通过利用这些知识，他们可以做出与客户的投资目标和风险承受能力相一致的明智决定。此外，discretional account还可以提供更大的交易灵活性。当财务经理对账户拥有自主权时，他们可以快速对市场变化做出反应。例如，如果某只股票因正面的收益报告而预计会上涨，经理可以立即购买股票，而无需等待客户的批准。这种敏捷性在波动的市场中至关重要，因为时机对于利用价格波动至关重要。然而，重要的是要注意，拥有discretional account意味着客户与顾问之间必须建立一定程度的信任。客户必须确信，他们的经理会以他们的最佳利益为出发点，并做出明智的投资决策。为了培养这种信任，建议客户在选择财务顾问之前进行彻底的研究。这包括审查顾问的业绩记录、了解他们的投资理念，并确保他们具备必要的资格和经验。开设discretional account时，另一个需要考虑的因素是费用结构。通常，财务顾问会根据管理资产的百分比（AUM）收取服务费。虽然这对于所提供的服务水平而言可能是合理的成本，但客户应意识到这些费用如何影响整体回报。在承诺这种投资策略之前，了解与管理discretional account相关的所有潜在费用至关重要。总之，discretional account对于希望获得专业管理和快速应对市场变化的投资者来说，可以是一个极好的选择。通过将投资委托给合格的经理，客户可以在解除日常投资决策负担的同时，潜在地实现更好的财务结果。然而，与任何投资策略一样，权衡相关的收益与风险和成本至关重要。最终，开设discretional account的决定应在仔细考虑后做出，并清楚了解个人的财务目标和顾问的能力。