fixed-income security

简明释义

有固定收益保证的证券

英英释义

例句

1.Many retirees prefer fixed-income security 固定收益证券 because it provides predictable income.

许多退休人员更喜欢固定收益证券 fixed-income security，因为它提供可预测的收入。

2.Before investing, it's important to understand the characteristics of fixed-income security 固定收益证券.

在投资之前，了解固定收益证券 fixed-income security的特点是很重要的。

3.A diversified portfolio might include fixed-income security 固定收益证券 to balance risk.

一个多元化的投资组合可能包括固定收益证券 fixed-income security来平衡风险。

4.Investors often turn to fixed-income security 固定收益证券 for stable returns during market volatility.

在市场波动期间，投资者常常转向固定收益证券 fixed-income security以获得稳定的回报。

5.The government issued new fixed-income security 固定收益证券 to fund infrastructure projects.

政府发行了新的固定收益证券 fixed-income security来资助基础设施项目。

作文

In today's financial landscape, understanding various investment vehicles is essential for both novice and experienced investors. One such investment option that has garnered significant attention is the fixed-income security. This term refers to a type of investment that provides returns in the form of regular, or fixed, interest payments and the eventual return of principal at maturity. Common examples of fixed-income securities include government bonds, corporate bonds, and municipal bonds. These instruments are often favored by those seeking a stable income stream and lower risk compared to equities.The primary appeal of fixed-income securities lies in their ability to provide predictable returns. Investors can rely on receiving a set amount of interest over a specified period, which makes budgeting for future expenses easier. For example, retirees often invest in fixed-income securities to ensure they have a steady income during their retirement years. This predictability is particularly appealing in volatile markets where stock prices can fluctuate dramatically.Moreover, fixed-income securities can serve as a stabilizing force in an investment portfolio. During times of economic uncertainty, when stock prices may be declining, fixed-income securities often maintain their value or even appreciate. This characteristic makes them a popular choice for risk-averse investors who want to balance their portfolios with safer assets.However, investing in fixed-income securities is not without its risks. One of the primary risks is interest rate risk. When interest rates rise, the market value of existing fixed-income securities typically falls. This occurs because new issues will likely offer higher yields, making older bonds less attractive. Additionally, credit risk is a concern; if the issuer of a bond faces financial difficulties, they may default on their payments, leading to losses for investors.Another consideration for investors is inflation risk. If inflation rises significantly, the fixed interest payments from fixed-income securities may not keep pace with the increasing cost of living, effectively eroding purchasing power. This is why some investors diversify their portfolios by including other asset classes, such as stocks or real estate, which may provide growth potential that outpaces inflation.In conclusion, fixed-income securities represent a crucial component of many investment strategies. They offer a reliable source of income and help mitigate risk within a diversified portfolio. While they come with certain risks, the stability and predictability they provide make them an attractive option for many investors. Understanding the nuances of fixed-income securities can empower individuals to make informed decisions that align with their financial goals and risk tolerance. As with any investment, it is important to conduct thorough research and consider one's financial situation before diving into the world of fixed-income securities.

在当今的金融环境中，理解各种投资工具对新手和经验丰富的投资者都是至关重要的。其中一种受到广泛关注的投资选择是固定收益证券。这个术语指的是一种投资，其回报以定期或固定的利息支付形式出现，并在到期时最终返还本金。常见的固定收益证券包括政府债券、公司债券和市政债券。这些工具通常受到那些寻求稳定收入流和较低风险的人的青睐。固定收益证券的主要吸引力在于其提供可预测回报的能力。投资者可以依靠在特定期间内收到一定金额的利息，这使得预算未来开支变得更加容易。例如，退休人员通常投资于固定收益证券，以确保在退休期间有稳定的收入。这种可预测性在股票价格可能剧烈波动的动荡市场中特别具有吸引力。此外，固定收益证券可以作为投资组合中的稳定力量。在经济不确定时期，当股票价格可能下跌时，固定收益证券通常保持其价值甚至升值。这一特性使其成为那些希望通过更安全的资产来平衡投资组合的风险厌恶型投资者的热门选择。然而，投资固定收益证券并非没有风险。主要风险之一是利率风险。当利率上升时，现有固定收益证券的市场价值通常会下降。这是因为新的发行可能会提供更高的收益率，使旧债券的吸引力降低。此外，信用风险也是一个关注点；如果债券的发行者面临财务困难，他们可能会违约，导致投资者遭受损失。另一个投资者需要考虑的是通货膨胀风险。如果通货膨胀显著上升，来自固定收益证券的固定利息支付可能无法跟上生活成本的增加，从而有效侵蚀购买力。这就是为什么一些投资者通过包括其他资产类别（如股票或房地产）来多样化他们的投资组合，以提供可能超过通货膨胀的增长潜力。总之，固定收益证券代表了许多投资策略中的关键组成部分。它们提供可靠的收入来源，并帮助在多元化投资组合中降低风险。尽管它们伴随着某些风险，但其提供的稳定性和可预测性使其成为许多投资者的吸引选项。理解固定收益证券的细微差别可以使个人能够做出符合其财务目标和风险承受能力的明智决定。与任何投资一样，在深入了解固定收益证券的世界之前，进行彻底的研究并考虑自身的财务状况是非常重要的。