effective yield

简明释义

有效收益率

英英释义

例句

1.To maximize returns, you need to calculate the effective yield 有效收益率 of your portfolio.

为了最大化回报，您需要计算您投资组合的有效收益率 有效收益率。

2.The bank offers a savings account with an effective yield 有效收益率 of 2.5%, which is higher than the national average.

这家银行提供的储蓄账户的有效收益率 有效收益率为2.5%，高于全国平均水平。

3.Investors should consider the effective yield 有效收益率 when comparing different bond options.

投资者在比较不同债券选项时，应考虑有效收益率 有效收益率。

4.The effective yield 有效收益率 of the investment fund has increased significantly over the past year.

该投资基金的有效收益率 有效收益率在过去一年中显著增加。

5.After taxes, the effective yield 有效收益率 on municipal bonds can be quite attractive.

扣除税款后，市政债券的有效收益率 有效收益率可能相当有吸引力。

作文

In the world of finance and investments, understanding various terms is crucial for making informed decisions. One such term that often comes up is effective yield, which refers to the actual return on an investment after accounting for factors such as taxes, fees, and other costs. This concept is particularly significant for investors who want to gauge the true profitability of their investments. In this essay, we will explore what effective yield means, its importance in investment decisions, and how it can be calculated.To begin with, let’s define effective yield. It is essentially the yield that an investor receives from an investment after all expenses have been deducted. For instance, if an investor purchases a bond that has a nominal yield of 5%, but they incur a 1% fee when buying the bond, the effective yield would be lower than the nominal yield. Therefore, the effective yield provides a more accurate picture of the return on investment compared to the nominal yield alone.The importance of understanding effective yield cannot be overstated. Investors often compare different investment options to determine where to allocate their funds. If one investment has a higher nominal yield but a significantly lower effective yield due to high fees or taxes, it may not be the better choice. Thus, by focusing on effective yield, investors can make more educated decisions that align with their financial goals.Calculating effective yield can vary depending on the type of investment. For example, in the case of bonds, the formula typically used is: Effective Yield = (Annual Coupon Payment - Fees) / (Purchase Price)This calculation allows investors to see the real return they can expect from their bond investment. Similarly, for stocks, investors might consider dividends received and any associated trading fees to derive the effective yield.Moreover, effective yield plays a vital role in tax considerations. Different investments are taxed at different rates, and understanding how these taxes impact the yield can help investors optimize their portfolios. For instance, municipal bonds often offer tax-free interest, which can result in a higher effective yield compared to taxable bonds with a similar nominal yield. This kind of analysis is crucial for maximizing returns, especially for high-net-worth individuals who are particularly sensitive to tax implications.In conclusion, the concept of effective yield is essential for anyone involved in investing. It helps investors to understand the true profitability of their investments by factoring in various costs and taxes. By focusing on effective yield, investors can make smarter choices and ultimately enhance their financial outcomes. As the investment landscape continues to evolve, being well-versed in terms like effective yield will empower investors to navigate their financial journeys successfully.

在金融和投资的世界中，理解各种术语对于做出明智的决策至关重要。其中一个经常出现的术语是有效收益率，它指的是在考虑税费和其他成本等因素后，投资的实际回报。这个概念对于希望评估其投资真实盈利能力的投资者尤其重要。在这篇文章中，我们将探讨有效收益率的含义、在投资决策中的重要性以及如何计算它。首先，让我们定义一下有效收益率。它基本上是投资者从投资中获得的收益，扣除所有费用后得出的。例如，如果一位投资者购买了一只名义收益率为5%的债券，但在购买债券时需要支付1%的费用，那么有效收益率将低于名义收益率。因此，有效收益率提供了比单独的名义收益率更准确的投资回报情况。理解有效收益率的重要性不容小觑。投资者通常会比较不同的投资选项，以确定将资金分配到哪里。如果一种投资的名义收益率较高，但由于高额的费用或税收而导致有效收益率显著较低，那么它可能并不是更好的选择。因此，通过关注有效收益率，投资者可以做出与其财务目标相一致的更明智的决策。计算有效收益率可能因投资类型而异。例如，在债券的情况下，通常使用的公式是：有效收益率 =（年票息收入 - 费用）/（购买价格）这个计算允许投资者看到他们可以期待的债券投资的真实回报。同样，对于股票，投资者可能会考虑收到的股息和任何相关的交易费用来推导出有效收益率。此外，有效收益率在税务考虑中也发挥着重要作用。不同的投资有不同的税率，了解这些税收如何影响收益可以帮助投资者优化他们的投资组合。例如，市政债券通常提供免税利息，这可能导致与类似名义收益率的应税债券相比，获得更高的有效收益率。这种分析对于最大化回报至关重要，尤其是对于对税务影响特别敏感的高净值个人。总之，有效收益率的概念对于任何参与投资的人来说都是必不可少的。它通过考虑各种成本和税收，帮助投资者理解其投资的真实盈利能力。通过关注有效收益率，投资者可以做出更聪明的选择，最终提高他们的财务成果。随着投资环境的不断演变，熟悉有效收益率等术语将使投资者能够成功地驾驭他们的财务旅程。