fixed deposit

简明释义

定期存款

英英释义

例句

1.After researching various banks, I found the best fixed deposit 定期存款 rates available.

在研究了多个银行后，我找到了最好的定期存款 fixed deposit 利率。

2.I opened a fixed deposit 定期存款 account to save for my future vacation.

我开了一个定期存款 fixed deposit 账户，以便为我未来的假期存钱。

3.You can choose the tenure of your fixed deposit 定期存款, ranging from 6 months to 5 years.

您可以选择您的定期存款 fixed deposit 的期限，从6个月到5年不等。

4.I decided to put my savings into a fixed deposit 定期存款 to earn a higher interest rate.

我决定将我的储蓄放入一个定期存款 fixed deposit，以获得更高的利率。

5.Many people prefer a fixed deposit 定期存款 for its stability and guaranteed returns.

许多人喜欢定期存款 fixed deposit，因为它的稳定性和保证收益。

作文

In today's fast-paced world, individuals are constantly seeking ways to secure their financial future. One popular method that has gained traction over the years is investing in a fixed deposit. A fixed deposit (定期存款) is a financial instrument offered by banks and financial institutions that allows individuals to deposit a certain amount of money for a fixed period at a predetermined interest rate. This means that once you invest your money in a fixed deposit, you cannot withdraw it until the maturity date, which is typically ranging from a few months to several years. The primary advantage of a fixed deposit is the security it offers. Unlike stocks or mutual funds, where the value can fluctuate dramatically, a fixed deposit provides a guaranteed return on investment. This makes it an attractive option for risk-averse individuals who prefer stability over potential high returns. Additionally, the interest rates on fixed deposits are usually higher than those offered on regular savings accounts, allowing investors to earn more on their savings.Another significant benefit of a fixed deposit is its simplicity. Opening a fixed deposit account is a straightforward process. Most banks allow customers to set up a fixed deposit online or in-person with minimal paperwork. Once the account is established, the investor can sit back and relax, knowing that their money is working for them without the need for constant monitoring.However, it is essential to consider the limitations of a fixed deposit. The most notable drawback is the lack of liquidity. Since your funds are locked in for a specified period, accessing your money before maturity may incur penalties or result in lower interest earnings. This aspect makes a fixed deposit less suitable for individuals who may need quick access to their funds.Moreover, while the interest rates on fixed deposits are generally higher than traditional savings accounts, they may not always keep pace with inflation. If inflation rises significantly, the real return on a fixed deposit could diminish, meaning that the purchasing power of your money could decrease over time. Therefore, it is crucial to evaluate the economic climate and interest rate trends before committing to a fixed deposit.In conclusion, a fixed deposit (定期存款) is a viable option for individuals looking to grow their savings securely and steadily. It offers guaranteed returns, simplicity, and peace of mind. However, potential investors should weigh the pros and cons, considering their financial needs and goals. Understanding the nature of a fixed deposit and how it fits into one’s overall financial strategy is vital for making informed investment decisions. Ultimately, a well-placed fixed deposit can be a cornerstone of a sound financial plan, providing both security and growth for the future.

在当今快节奏的世界中，个人不断寻求保障财务未来的方法。近年来，投资于定期存款（fixed deposit）是一种受欢迎的方法。定期存款是银行和金融机构提供的一种金融工具，允许个人在固定期限内以预定利率存入一定金额。这意味着一旦您将资金投资于定期存款，在到期日前您无法提取这些资金，通常期限从几个月到几年不等。定期存款的主要优势在于它所提供的安全性。与股票或共同基金的价值可能剧烈波动不同，定期存款提供了投资回报的保证。这使其成为风险厌恶型个人的一个有吸引力的选择，他们更喜欢稳定而非潜在的高回报。此外，定期存款的利率通常高于普通储蓄账户，因此投资者可以在储蓄中赚取更多。定期存款的另一个重要好处是其简单性。开设定期存款账户的过程非常简单。大多数银行允许客户在线或亲自以最少的文书工作设置定期存款。一旦账户建立，投资者可以坐下来放松，知道他们的钱正在为他们工作，而无需不断监控。然而，考虑定期存款的局限性是至关重要的。最显著的缺点是流动性不足。由于您的资金在特定期限内被锁定，因此在到期之前访问您的资金可能会产生罚款或导致利息收益降低。这一方面使得定期存款不太适合那些可能需要快速获取资金的人。此外，尽管定期存款的利率通常高于传统的储蓄账户，但它们可能并不总是跟上通货膨胀。如果通货膨胀显著上升，定期存款的实际回报可能会减少，这意味着您资金的购买力可能随时间下降。因此，在承诺定期存款之前，评估经济环境和利率趋势至关重要。总之，定期存款（fixed deposit）是希望安全、稳步增长储蓄的个人的可行选择。它提供了保证的回报、简单性和安心。然而，潜在投资者应权衡利弊，考虑他们的财务需求和目标。理解定期存款的性质以及它如何融入整体财务策略，对于做出明智的投资决策至关重要。最终，一个合理的定期存款可以成为健全财务计划的基石，为未来提供安全和增长。