time value of money

简明释义

资金时间价值，资金时值

英英释义

例句

1.The concept of time value of money (货币时间价值) helps individuals make informed financial decisions about loans and mortgages.

货币时间价值的概念帮助个人在贷款和抵押贷款方面做出明智的财务决策。

2.When saving for retirement, understanding the time value of money (货币时间价值) can significantly impact your savings strategy.

在为退休储蓄时，理解货币时间价值可以显著影响你的储蓄策略。

3.Investors often consider the time value of money (货币时间价值) when evaluating potential returns on their investments.

投资者在评估潜在投资回报时，通常会考虑货币时间价值。

4.A dollar today is worth more than a dollar tomorrow due to the time value of money (货币时间价值).

由于货币时间价值，今天的一美元比明天的一美元更有价值。

5.Financial analysts use the time value of money (货币时间价值) principle to assess investment opportunities.

金融分析师使用货币时间价值原则来评估投资机会。

作文

The concept of time value of money is fundamental in finance and economics. It suggests that a certain amount of money today is worth more than the same amount in the future due to its potential earning capacity. This principle is rooted in the idea that money can earn interest, so any amount of money is worth more the sooner it is received. For instance, if you have $100 today and invest it at an interest rate of 5%, in one year, you will have $105. Conversely, if you receive that same $100 a year from now, you lose the opportunity to earn that interest, resulting in a loss of potential wealth. Understanding the time value of money is crucial for making informed financial decisions. It helps individuals and businesses evaluate investment opportunities and compare the value of cash flows that occur at different times. For example, in capital budgeting, companies often use the net present value (NPV) method to assess the profitability of a project. By discounting future cash flows back to their present value using a specific discount rate, they can determine whether the investment is worthwhile. If the NPV is positive, it indicates that the projected earnings exceed the anticipated costs, adjusted for the time value of money. Moreover, the time value of money has significant implications in personal finance as well. When planning for retirement, individuals must consider how much they need to save today to achieve their desired lifestyle in the future. By understanding this concept, they can make better choices about saving and investing. For instance, if someone wants to retire with $1 million in 30 years, they need to calculate how much to invest each month, considering the expected rate of return. This calculation highlights the importance of starting early, as even small amounts can grow significantly over time due to compounding interest. In addition to investments, loans and credit also illustrate the time value of money. When borrowing money, the lender charges interest, which compensates for the fact that they are giving up the opportunity to use that money for other investments. The longer the loan term, the more interest accumulates, emphasizing the cost of waiting to pay off debt. Similarly, when receiving a loan, understanding the time value of money can help borrowers recognize the total cost of financing and make strategic decisions about repayment. In conclusion, the time value of money is a pivotal concept that affects various aspects of financial decision-making, from investing and saving to borrowing and lending. A thorough grasp of this principle can empower individuals and businesses to maximize their financial outcomes by recognizing the benefits of acting sooner rather than later. By appreciating the time value of money, one can navigate the complexities of finance with greater confidence and clarity, ultimately leading to better financial health and stability in the long run.

“货币的时间价值”这一概念在金融和经济学中是基础性的。它表明，今天的一定数量的钱比未来相同数量的钱更有价值，因为它具有潜在的盈利能力。这一原则根植于这样一个理念：钱能够赚取利息，因此任何金额越早收到就越有价值。例如，如果你今天拥有100美元，并以5%的利率投资，那么一年后你将拥有105美元。相反，如果你在一年后才收到同样的100美元，你就失去了赚取那笔利息的机会，从而导致潜在财富的损失。理解“货币的时间价值”对做出明智的财务决策至关重要。它帮助个人和企业评估投资机会，并比较在不同时间发生的现金流的价值。例如，在资本预算中，公司通常使用净现值（NPV）方法来评估项目的盈利能力。通过使用特定的折现率将未来现金流折现到其现值，他们可以确定投资是否值得。如果NPV为正，则表明预计收益超过了调整后的预期成本，这与“货币的时间价值”有关。此外，“货币的时间价值”在个人理财中也具有重要意义。在规划退休时，个人必须考虑今天需要储蓄多少，以便在未来实现理想的生活方式。通过理解这一概念，他们可以更好地选择储蓄和投资。例如，如果某人希望在30年内退休时拥有100万美元，他们需要计算每月投资多少，考虑到预期的回报率。这一计算突显了尽早开始的重要性，因为即使是小额投资也能因复利而随着时间的推移显著增长。除了投资，贷款和信用也说明了“货币的时间价值”。当借钱时，贷款人会收取利息，以补偿他们放弃用这笔钱进行其他投资的机会。贷款期限越长，产生的利息就越多，强调了推迟还债的成本。同样，当获得贷款时，理解“货币的时间价值”可以帮助借款人认识到融资的总成本，并做出战略性还款决策。总之，“货币的时间价值”是影响财务决策各个方面的关键概念，从投资、储蓄到借贷和放贷。全面掌握这一原则可以使个人和企业最大化财务结果，认识到尽早行动的好处。通过欣赏“货币的时间价值”，人们可以更自信和清晰地驾驭金融复杂性，最终在长期内实现更好的财务健康和稳定。