near-cash asset

简明释义

准现金资产

英英释义

例句

1.In a crisis, having a reserve of near-cash assets can be crucial for businesses.

在危机中，拥有近现金资产的储备对企业来说至关重要。

2.During economic downturns, companies may liquidate near-cash assets to maintain operations.

在经济衰退期间，公司可能会变现近现金资产以维持运营。

3.Investors often prefer to keep a portion of their portfolio in near-cash assets to ensure liquidity.

投资者通常倾向于将部分投资组合保留在近现金资产中，以确保流动性。

4.Savings accounts and money market funds are examples of near-cash assets that provide easy access to funds.

储蓄账户和货币市场基金是提供便捷资金访问的近现金资产的例子。

5.A financial advisor might recommend allocating funds to near-cash assets for short-term goals.

财务顾问可能会建议将资金分配到近现金资产以实现短期目标。

作文

In the world of finance and investment, understanding various types of assets is crucial for making informed decisions. One such category that often comes into play is the concept of near-cash asset. A near-cash asset refers to financial instruments that are almost as liquid as cash, meaning they can be quickly converted into cash with minimal loss in value. Examples of near-cash assets include money market funds, Treasury bills, and certain short-term bonds. These assets are particularly appealing to investors who seek liquidity while still wanting to earn some return on their investments.The primary characteristic of near-cash assets is their high liquidity. Liquidity is defined as the ease with which an asset can be converted into cash without significantly affecting its price. In times of economic uncertainty, having a portion of one’s portfolio in near-cash assets can provide a safety net. For instance, during a market downturn, investors may prefer to hold near-cash assets rather than riskier investments that could lose value quickly.Another important aspect of near-cash assets is their role in portfolio management. Investors often allocate funds into these assets to maintain a balance between risk and return. By holding a certain percentage of their portfolio in near-cash assets, investors can ensure that they have ready access to funds when needed, while still participating in potential growth through other investments. This strategy can help mitigate risks associated with market volatility.Moreover, near-cash assets can serve as a temporary holding place for cash that is not currently being used for investments. For example, an investor might receive dividends or sell a stock and decide to park that money in a near-cash asset until they identify another investment opportunity. This allows them to earn some interest while they wait, rather than letting the cash sit idle in a checking account.However, it is essential to understand that while near-cash assets offer liquidity and safety, they typically provide lower returns compared to more volatile investments like stocks or real estate. Therefore, investors must carefully consider their financial goals and risk tolerance when deciding how much to allocate to near-cash assets. For those who prioritize capital preservation and quick access to funds, these assets can be an excellent choice.In conclusion, near-cash assets play a vital role in the financial landscape. They provide a balance of liquidity and security, making them an attractive option for many investors. Understanding the nature and benefits of near-cash assets can empower individuals to make strategic decisions about their investments. As with any financial decision, it is crucial to assess one’s personal circumstances and objectives before committing to a particular asset allocation strategy.

在金融和投资的世界中，理解各种类型的资产对于做出明智的决策至关重要。其中一个常常被提及的类别是近现金资产的概念。近现金资产指的是几乎可以像现金一样流动的金融工具，这意味着它们可以迅速转化为现金，并且价值损失最小。近现金资产的例子包括货币市场基金、国库券和某些短期债券。这些资产对寻求流动性的投资者尤其具有吸引力，同时他们还希望在投资中获得一些回报。近现金资产的主要特征是其高流动性。流动性被定义为资产在不显著影响其价格的情况下，转化为现金的难易程度。在经济不确定时期，持有一定比例的投资组合中的近现金资产可以提供安全网。例如，在市场下行期间，投资者可能更愿意持有近现金资产而不是风险较大的投资，这些投资可能会迅速贬值。近现金资产的另一个重要方面是它们在投资组合管理中的作用。投资者通常将资金分配到这些资产中，以保持风险与收益之间的平衡。通过在投资组合中持有一定百分比的近现金资产，投资者可以确保在需要时能够迅速获得资金，同时仍然参与其他投资的潜在增长。这种策略可以帮助减轻与市场波动相关的风险。此外，近现金资产可以作为暂时存放现金的地方，这些现金目前并未用于投资。例如，投资者可能会收到股息或出售股票，并决定将这笔钱停放在近现金资产中，直到他们找到另一个投资机会。这使得他们在等待期间能够赚取一些利息，而不是让现金闲置在支票账户中。然而，必须理解的是，尽管近现金资产提供流动性和安全性，但它们通常提供的回报低于股票或房地产等波动性更大的投资。因此，投资者在决定将多少资金分配给近现金资产时，必须仔细考虑他们的财务目标和风险承受能力。对于那些优先考虑资本保值和快速获取资金的人来说，这些资产可能是一个很好的选择。总之，近现金资产在金融领域中发挥着至关重要的作用。它们提供了流动性和安全性的平衡，使其成为许多投资者的吸引选项。理解近现金资产的性质和好处可以使个人在投资中做出战略性决策。与任何财务决策一样，在承诺特定资产配置策略之前，评估个人情况和目标至关重要。