tontine

简明释义

英[tɒnˈtiːn;ˈtɒn-]美[ˈtɑntin]

n. 唐提养老金制，联合养老保险制；每位参与者所分得之份额；共同基金；唐提

英英释义

单词用法

同义词

反义词

例句

1.The Tontine Coffee House was placed on the corner of Wall Street and Water Street.

唐塔咖啡馆位于华尔街与水街的拐角处。

2.The Tontine Coffee House was placed on the corner of Wall Street and Water Street.

唐塔咖啡馆位于华尔街与水街的拐角处。

3.The concept of a tontine originated in the 17th century as a way to raise funds.

年金计划的概念起源于17世纪，作为筹集资金的一种方式。

4.The group of investors decided to pool their resources into a tontine to fund local businesses.

这群投资者决定将他们的资源汇集到一个年金计划中，以资助当地企业。

5.She explained how a tontine could provide financial security for retirees.

她解释了如何通过年金计划为退休人员提供财务安全。

6.In a traditional tontine, the last surviving member receives the entire fund.

在传统的年金计划中，最后幸存的成员将获得整个基金。

7.Participants in the tontine agreed to contribute a fixed amount each month.

参与者同意每月向年金计划贡献固定金额。

作文

The concept of a tontine is an intriguing financial arrangement that has been around for centuries. It essentially serves as a form of investment where a group of individuals contributes to a common fund, and the payouts are made to the surviving members as time progresses. The tontine was originally popularized in the 17th century and named after Lorenzo de Tonti, an Italian banker who proposed this method as a way to raise funds for public projects. The idea was simple yet innovative: rather than providing fixed returns to all investors, the returns would be distributed based on longevity. This meant that those who lived longer would receive more substantial payouts, creating a unique incentive for participants to consider their health and longevity when investing.The mechanics of a tontine are fascinating. Imagine a group of ten friends who decide to invest in a tontine together. Each friend contributes a certain amount of money to the fund. As the years go by, some of the friends may pass away, but the remaining members continue to receive payouts from the fund. The longer they live, the more they benefit from their initial investment. This creates a sense of camaraderie among the participants, as they not only invest together but also share a common fate regarding their longevity.However, the tontine model is not without its challenges. One major concern is the unpredictability of life expectancy. While it may seem advantageous to invest in a tontine, the risk lies in the fact that no one can accurately predict how long they will live. This uncertainty can lead to feelings of anxiety and competition among participants, as each person's survival directly impacts the payouts of others. Additionally, the regulatory environment surrounding tontines can be complex, as they often fall into a gray area between gambling and legitimate investment schemes.Despite these challenges, tontines have seen a resurgence in interest in recent years. With the aging population and increasing life expectancies, many people are looking for alternative ways to secure their financial futures. Some modern adaptations of the tontine concept incorporate insurance elements, offering a safety net for participants while still maintaining the core principles of shared investment and longevity-based payouts. This evolution of the tontine could provide a valuable solution for those seeking to balance risk and reward in their financial planning.In conclusion, the tontine represents a unique intersection of finance, community, and mortality. It challenges traditional notions of investment by tying financial returns to the unpredictable nature of life itself. For those willing to embrace its complexities, a tontine could offer not just potential financial benefits, but also a deeper understanding of the value of life and the bonds we share with others. As we move forward in a rapidly changing financial landscape, the tontine stands as a testament to the enduring human desire for connection, support, and shared prosperity.

“tontine”是一种引人入胜的金融安排，已经存在了几个世纪。它本质上是一种投资形式，一群个人共同出资于一个公共基金，随着时间的推移，将收益支付给幸存的成员。“tontine”最初在17世纪流行，并以意大利银行家洛伦佐·德·通蒂（Lorenzo de Tonti）的名字命名，他提出这种方法作为筹集公共项目资金的一种方式。这个想法简单而创新：与其给所有投资者提供固定回报，不如根据寿命分配回报。这意味着那些活得更久的人将获得更多的支付，为参与者在投资时考虑他们的健康和长寿创造了独特的激励。“tontine”的机制非常迷人。想象一下，一组十个朋友决定一起投资于一个“tontine”。每个朋友向基金贡献一定金额。随着岁月的流逝，一些朋友可能会去世，但剩下的成员继续从基金中获得支付。活得越久，他们从最初的投资中受益就越多。这在参与者之间创造了一种友谊，因为他们不仅共同投资，还分享着与自己寿命相关的共同命运。然而，“tontine”模式并非没有挑战。一个主要的担忧是寿命的不可预测性。虽然投资于“tontine”似乎有利，但风险在于，没有人能准确预测自己会活多久。这种不确定性可能导致参与者之间产生焦虑和竞争的感觉，因为每个人的生存直接影响着其他人的支付。此外，围绕“tontine”的监管环境可能很复杂，因为它们通常处于赌博和合法投资计划之间的灰色地带。尽管面临这些挑战，近年来“tontine”仍然重新引起了人们的兴趣。随着人口老龄化和预期寿命的增加，许多人正在寻找替代方案来保障他们的财务未来。一些现代“tontine”概念的适应版本结合了保险元素，为参与者提供安全网，同时保持共享投资和基于寿命支付的核心原则。“tontine”的这种演变可能为那些希望在财务规划中平衡风险和回报的人提供有价值的解决方案。总之，“tontine”代表了金融、社区和死亡率的独特交汇点。它通过将财务回报与生命本身的不可预测性联系起来，挑战了传统的投资观念。对于那些愿意接受其复杂性的人来说，“tontine”不仅可能带来财务利益，还能更深入地理解生命的价值以及我们与他人之间的纽带。在快速变化的金融环境中，我们向前迈进时，“tontine”证明了人类对连接、支持和共享繁荣的持久渴望。