accumulation horizon

简明释义

1. 堆积层; 2. 积聚层; 3. 聚积层;

英英释义

例句

1.A shorter accumulation horizon may require a more conservative investment approach.

较短的积累期可能需要更为保守的投资方式。

2.Investors often consider the accumulation horizon when planning their retirement savings.

投资者在规划他们的退休储蓄时，通常会考虑积累期。

3.The financial advisor recommended a diversified portfolio for clients with a long accumulation horizon.

财务顾问建议拥有较长积累期的客户投资多元化组合。

4.Understanding your accumulation horizon can help you choose the right investment strategy.

了解你的积累期可以帮助你选择合适的投资策略。

5.During the seminar, experts discussed the importance of setting goals based on your accumulation horizon.

在研讨会上，专家们讨论了根据你的积累期设定目标的重要性。

作文

In the world of finance and investment, understanding key concepts is crucial for making informed decisions. One such concept is the accumulation horizon, which refers to the period during which an investor focuses on building their assets before they begin to withdraw from them. This phase is particularly important for individuals who are saving for retirement or any long-term financial goal. During the accumulation horizon (积累期), investors typically invest in various assets such as stocks, bonds, and mutual funds with the expectation that these investments will grow over time. The accumulation horizon is characterized by a focus on growth rather than income. Investors are often encouraged to take a more aggressive approach during this time, investing in higher-risk assets that have the potential for greater returns. The rationale behind this strategy is that over a longer timeframe, the effects of compounding interest can significantly increase the value of investments. For instance, if an individual starts investing at the age of 25 and continues until they are 65, they have a full 40 years during which their investments can grow. This long accumulation horizon allows for the possibility of weathering market volatility and benefiting from the overall upward trend of the market.Moreover, the accumulation horizon also emphasizes the importance of setting clear financial goals. Investors need to determine how much money they wish to accumulate by the end of this period and what strategies they will use to achieve those goals. This might involve regular contributions to a retirement account, investing in real estate, or diversifying their portfolio to mitigate risk. As the accumulation horizon progresses, it is essential for investors to periodically assess their investment strategies. Market conditions change, and so do personal circumstances, such as income levels and financial responsibilities. Therefore, staying informed and adaptable is key to maximizing the benefits of the accumulation horizon. Once the accumulation horizon comes to an end, the focus shifts to the distribution phase. This is when investors begin to withdraw funds for their intended purposes, whether it be for retirement living expenses, education costs for children, or other financial needs. It is crucial to have a well-thought-out plan for this phase, as withdrawing too quickly or investing too conservatively can jeopardize financial stability in the long run.In conclusion, the accumulation horizon (积累期) is a vital concept for anyone looking to secure their financial future. By understanding this phase and its implications, investors can make better decisions that align with their long-term goals. Whether one is just starting out or nearing retirement, recognizing the significance of the accumulation horizon can lead to more effective financial planning and ultimately greater wealth accumulation over time.

在金融和投资的世界中，理解关键概念对于做出明智的决策至关重要。一个这样的概念是accumulation horizon，它指的是投资者在开始从资产中提取之前，专注于建立资产的时期。这个阶段对于那些为退休或任何长期财务目标储蓄的个人尤为重要。在accumulation horizon（积累期）期间，投资者通常会投资于各种资产，如股票、债券和共同基金，期望这些投资会随着时间的推移而增长。accumulation horizon的特点是关注增长而非收入。在此期间，投资者通常被鼓励采取更积极的投资策略，投资于具有更高回报潜力的高风险资产。这种策略背后的理由是，在较长的时间框架内，复利的效应可以显著增加投资的价值。例如，如果一个人在25岁时开始投资，并持续到65岁，他们就有整整40年的时间让他们的投资增长。这段漫长的accumulation horizon使得投资者能够承受市场波动，并受益于市场整体的上升趋势。此外，accumulation horizon还强调设定明确财务目标的重要性。投资者需要确定他们希望在这段时间结束时积累多少钱，以及他们将使用哪些策略来实现这些目标。这可能涉及定期向退休账户缴款、投资房地产或多元化投资组合以降低风险。随着accumulation horizon的推进，投资者定期评估其投资策略变得至关重要。市场条件变化，个人情况也会变化，例如收入水平和财务责任。因此，保持信息灵通和适应能力是最大化accumulation horizon收益的关键。一旦accumulation horizon结束，重点就转向分配阶段。这时，投资者开始提取资金用于预定目的，无论是退休生活费用、子女教育费用还是其他财务需求。制定好这一阶段的计划至关重要，因为提取过快或投资过于保守可能会危及长期的财务稳定。总之，accumulation horizon（积累期）是任何希望确保财务未来的人必须理解的重要概念。通过理解这一阶段及其含义，投资者可以做出更符合其长期目标的决策。无论一个人是刚刚起步还是接近退休，认识到accumulation horizon的重要性都可以导致更有效的财务规划，并最终在时间的推移中积累更多的财富。