small-denomination time deposits

简明释义

小额定期存款

英英释义

例句

1.After reviewing her financial goals, she decided to put some of her savings into small-denomination time deposits 小额定期存款.

在审查了她的财务目标后，她决定将一些储蓄投入到小额定期存款 小额定期存款中。

2.The bank's promotion on small-denomination time deposits 小额定期存款 attracted many new customers.

银行对小额定期存款 小额定期存款的促销吸引了许多新客户。

3.One advantage of small-denomination time deposits 小额定期存款 is that they often have lower minimum balance requirements.

小额定期存款 小额定期存款的一个优点是它们通常具有较低的最低余额要求。

4.Investing in small-denomination time deposits 小额定期存款 can be a safe way to earn interest without taking on much risk.

投资于小额定期存款 小额定期存款可以是一种安全的方式来赚取利息，而不承担太多风险。

5.Many banks offer attractive interest rates on small-denomination time deposits 小额定期存款 to encourage savings.

许多银行提供有吸引力的利率来鼓励储蓄，特别是针对小额定期存款 小额定期存款。

作文

In the world of finance, various investment options exist for individuals looking to grow their savings. One such option is known as small-denomination time deposits, which are financial instruments that allow people to deposit a relatively small amount of money with a bank or financial institution for a fixed period of time. These deposits typically offer a higher interest rate compared to regular savings accounts, making them an attractive choice for those who want to earn more on their savings without taking on high risks.The term small-denomination time deposits refers to deposits that usually have a minimum investment requirement, often ranging from $500 to $5,000. This makes them accessible to a larger segment of the population, including students, young professionals, and anyone else who may not have substantial funds to invest. The key feature of these deposits is that the money is locked in for a specified term, which can vary from a few months to several years. During this period, the depositor cannot withdraw the funds without incurring a penalty, thus encouraging savings discipline.One of the main advantages of small-denomination time deposits is the predictability they offer. Investors know exactly how much interest they will earn by the end of the term, allowing for better financial planning. This is particularly beneficial for individuals who are saving for specific goals, such as buying a car, funding a vacation, or even building a down payment for a house. The fixed interest rate provides a sense of security in an otherwise volatile market, where stock prices can fluctuate dramatically.Additionally, small-denomination time deposits are considered low-risk investments. Unlike stocks or mutual funds, the principal amount deposited is typically insured by government agencies up to a certain limit, providing an extra layer of protection for investors. This characteristic makes them an ideal choice for conservative investors who prioritize capital preservation over high returns.However, it is essential to consider the potential downsides of small-denomination time deposits. One significant drawback is the lack of liquidity. Since the funds are tied up for a predetermined period, investors may find themselves in a tight spot if unexpected expenses arise. Additionally, the interest rates offered on these deposits may not be as competitive as other investment vehicles, especially in a low-interest-rate environment.In conclusion, small-denomination time deposits serve as a valuable tool for individuals seeking to grow their savings responsibly. They provide a safe, predictable way to earn interest while encouraging disciplined savings habits. While there are some limitations, such as reduced liquidity and potentially lower returns, the benefits often outweigh the drawbacks for many savers. As part of a diversified financial strategy, small-denomination time deposits can play a crucial role in helping individuals achieve their financial goals and secure their financial future.

在金融世界中，个人寻找增加储蓄的各种投资选择。其中一种选择被称为小额定期存款，这是一种金融工具，允许人们将相对少量的钱存入银行或金融机构，期限固定。这些存款通常提供比普通储蓄账户更高的利率，使其成为那些希望在不承担高风险的情况下赚取更多储蓄的人的有吸引力的选择。术语小额定期存款指的是通常具有最低投资要求的存款，通常范围在500美元到5000美元之间。这使得它们对更大的人群可及，包括学生、年轻专业人士以及任何其他可能没有大量资金进行投资的人。这些存款的关键特征是资金在规定的期限内被锁定，期限可以从几个月到几年不等。在此期间，存款人不能在不支付罚款的情况下提取资金，从而鼓励储蓄的纪律性。小额定期存款的主要优势之一是它们所提供的可预测性。投资者确切知道到期时将赚取多少利息，从而使财务规划更加清晰。这对于那些为特定目标储蓄的人尤其有益，例如购买汽车、资助假期，甚至为房屋首付款积累资金。固定的利率在一个动荡的市场中提供了安全感，在这个市场中，股票价格可能剧烈波动。此外，小额定期存款被认为是低风险投资。与股票或共同基金不同，存入的本金通常由政府机构在一定限额内投保，为投资者提供了额外的保护层。这一特性使得它们成为保守投资者的理想选择，这些投资者优先考虑资本保值而非高回报。然而，考虑小额定期存款的潜在缺点也是至关重要的。一个显著的缺点是流动性不足。由于资金被锁定在预定的期限内，投资者可能会发现自己在意外支出出现时处于困境。此外，在低利率环境中，这些存款提供的利率可能没有其他投资工具竞争力强。总之，小额定期存款作为一种负责任地增加储蓄的有价值工具，为个人提供了一种安全、可预测的方式来赚取利息，同时鼓励有纪律的储蓄习惯。尽管存在一些限制，例如流动性降低和潜在回报较低，但对于许多储户来说，收益往往超过缺点。作为多元化财务策略的一部分，小额定期存款在帮助个人实现财务目标和保障财务未来方面可以发挥关键作用。