Fixed income

简明释义

固定收益

英英释义

例句

1.Many retirees depend on their fixed income 固定收入 from pensions and social security.

许多退休人员依靠他们的固定收入 固定收入，如养老金和社会保障。

2.During times of economic uncertainty, many turn to fixed income 固定收入 investments for safety.

在经济不确定时期，许多人转向固定收入 固定收入投资以寻求安全。

3.The fixed income 固定收入 market can provide regular interest payments to investors.

固定收入 固定收入市场可以为投资者提供定期利息支付。

4.The financial advisor recommended a portfolio that includes both stocks and fixed income 固定收入 assets.

财务顾问建议投资组合中包含股票和固定收入 固定收入资产。

5.Investors looking for stability often prefer fixed income 固定收入 securities like bonds.

寻求稳定的投资者通常更喜欢固定收入 固定收入证券，比如债券。

作文

In today's financial landscape, the term Fixed income refers to investment instruments that provide returns in the form of regular, or fixed, interest payments and the eventual return of principal at maturity. This concept is crucial for investors who seek stability in their investment portfolios. Unlike equities, which can be volatile and subject to market fluctuations, Fixed income investments offer a predictable stream of income, making them an attractive option for risk-averse individuals. The most common types of Fixed income securities include bonds, treasury bills, and certificates of deposit (CDs). Bonds are essentially loans made by investors to borrowers, typically corporations or governments. In exchange for lending their money, investors receive periodic interest payments, known as coupon payments, and the return of the bond's face value when it matures. Treasury bills, on the other hand, are short-term government securities that are sold at a discount and mature at par value. The difference between the purchase price and the par value represents the investor's earnings. Similarly, CDs are time deposits offered by banks with a fixed interest rate and maturity date.One of the primary advantages of Fixed income investments is their ability to provide a steady income stream, which is particularly appealing for retirees or individuals looking for a reliable source of cash flow. This predictability allows investors to plan their finances more effectively, knowing they will receive regular payments over time. Furthermore, Fixed income investments can help diversify a portfolio, reducing overall risk. By including a mix of asset classes, investors can mitigate the impact of market volatility and achieve a more balanced investment strategy.However, it is essential to understand that Fixed income investments are not without risks. Interest rate risk is one of the most significant factors to consider. When interest rates rise, the value of existing bonds typically falls, as newer issues offer higher yields. Additionally, there is credit risk, which refers to the possibility that a borrower may default on their obligations, leading to potential losses for investors. Inflation risk is another concern, as rising prices can erode the purchasing power of fixed interest payments over time.In conclusion, Fixed income investments play a vital role in the financial markets, providing stability and income for various types of investors. While they come with their own set of risks, understanding these factors can help individuals make informed decisions about incorporating Fixed income securities into their investment strategies. As the global economy continues to evolve, the demand for Fixed income products remains strong, highlighting their importance in achieving long-term financial goals.

在当今的金融环境中，术语固定收益指的是以定期或固定利息支付和到期时本金的最终返还形式提供回报的投资工具。这个概念对于寻求投资组合稳定性的投资者至关重要。与可能波动并受到市场波动影响的股票不同，固定收益投资提供可预测的收入流，使其成为风险厌恶型个人的有吸引力选择。最常见的固定收益证券类型包括债券、国库券和存单（CD）。债券本质上是投资者向借款人（通常是公司或政府）发放的贷款。作为借出资金的交换，投资者会收到定期的利息支付，称为票息支付，并在债券到期时返还债券的面值。另一方面，国库券是短期政府证券，以折扣价出售，按面值到期。购买价格与面值之间的差额代表了投资者的收益。同样，存单是银行提供的定期存款，具有固定的利率和到期日。固定收益投资的主要优点之一是它们能够提供稳定的收入流，这对于退休人员或寻找可靠现金流来源的个人尤其有吸引力。这种可预测性使投资者能够更有效地规划财务，因为他们知道自己将在一段时间内收到定期付款。此外，固定收益投资可以帮助分散投资组合，降低整体风险。通过包含多种资产类别，投资者可以减轻市场波动的影响，实现更平衡的投资策略。然而，必须理解的是，固定收益投资并非没有风险。利率风险是需要考虑的最重要因素之一。当利率上升时，现有债券的价值通常会下降，因为新发行的债券提供更高的收益。此外，还有信用风险，即借款人可能违约的可能性，导致投资者可能遭受损失。通货膨胀风险也是一个关注点，因为价格上涨可能会侵蚀固定利息支付的购买力。总之，固定收益投资在金融市场中发挥着至关重要的作用，为各种类型的投资者提供稳定性和收入。尽管它们有自己的风险，但理解这些因素可以帮助个人在投资策略中明智地纳入固定收益证券。随着全球经济的不断演变，对固定收益产品的需求仍然强劲，突显了它们在实现长期财务目标中的重要性。