Cash And Cash Equivalents Là Gì

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James Chen, CMT is an expert trader, investment adviser, and global market strategist. He has authored books on technical analysis & foreign exchange trading published by John Wiley và Sons và served as a guest expert on CNBC, BloombergTV, Forbes, & Reuters among muốn other financial media." data-inline-tooltip="true">James Chen
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Katrina Ávila Munichiello is an experienced editor, writer, fact-checker, và proofreader with more than fourteen years of experience working with print and online publications. In 2011, she became editor of World Tea News, a weekly newsletter for the U.S. tea trade. In 2013, she was hired as senior editor lớn assist in the transformation of Tea Magazine from a small quarterly publication lớn a nationally distributed monthly magazine. Katrimãng cầu also served as a copy editor at Cloth, Paper, Scissors & as a proofreader for Applewood Books. Since năm ngoái she has worked as a fact-checker for America's Test Kitchen's Cook's Illustrated & Cook's Country magazines. She has published articles in The Boston Globe, Yankee Magazine, & more. In 2011, she published her first book, A Tea Reader: Living Life One Cup at a Time (Tuttle). Before working as an editor, she earned a Master of Public Health degree in health services & worked in non-profit administration.

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What Are Cash Equivalents?

Cash equivalents are investments securities that are meant for short-term investing; they have high credit quality and are highly liquid.


Cash equivalents, also known as "cash và equivalents," are one of the three main asphối classes in financial investing, along with stocks & bonds. These securities have a low-risk, low-return protệp tin và include U.S. government Treasury bills, bank certificates of deposit, bankers" acceptances, corporate commercial paper, & other money market instruments.


Cash equivalents are the total value of cash on hvà that includes items that are similar lớn cash; cash và cash equivalents must be current assets.Along with stocks & bonds, cash and cash equivalents Cosplay the three main asphối classes in finance.These low-risk securities include U.S. government T-bills, ngân hàng CDs, bankers" acceptances, corporate commercial paper, và other money market instruments. Having cash and cash equivalents on hvà speaks to lớn a company"s health, as it reflects the firm"s ability to lớn pay its short-term debt.

Understanding Cash Equivalents

Cash equivalents also serve as one of the most important health indicators of a company’s financial system. Analysts can also estimate whether it is good lớn invest in a particular company through its ability lớn generate cash and cash equivalents since it reflects how a company is able to lớn pay its bills throughout a short period of time. Companies with large amounts of cash & cash equivalents are primary targets of bigger companies who are planning khổng lồ acquire smaller companies.


There are five sầu types of cash equivalents: Treasury bills, commercial paper, marketable securities, money market funds, & short-term government bonds.


Treasury Bills

Treasury bills are commonly referred lớn as “T-bills." These are securities issued by the United States Department of Treasury. When issued to companies, companies essentially lover the government money. T-bills are sold from a minimum of $100 khổng lồ a maximum of $5 million. They vì not pay interest but are provided at a discounted price. The yield of T-bills is the difference between the price of purchase & the value of redemption.

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Commercial Papers

Commercial papers are used by big companies to receive funds khổng lồ answer short-term debt obligations like a corporations’ payroll. They are supported by issuing banks or companies that promise to lớn fulfill & pay the face amount on the designated maturity date provided on the note.


Marketable Securities

Marketable securities are financial assets & instruments that can easily be converted inkhổng lồ cash and are therefore very liquid. Marketable securities are liquid because maturities tkết thúc to lớn happen within one year or less và the rates at which these may be traded have sầu minimal effect on prices.


Money Market Funds

Money market funds are like checking accounts that pay higher interest rates provided by deposited money. Money market funds provide an efficient & effective tool for companies and organizations to lớn manage their money since they tover to lớn be more stable compared lớn other types of funds lượt thích mutual funds. Its chia sẻ price is always the same & is constantly at $1 per nói qua.


Short-Term Government Bonds

Short-term government bonds are provided by governments khổng lồ fund government projects. These are issued using the country’s domestic currency. Investors take a look at political risks, interest rate risks, and inflation when investing in government bonds.


Companies often store money in cash và cash equivalents in order lớn earn interest on the funds while they wait to use them. 


What Cash Equivalents Are Used For

There are several reasons a company might store their capital in cash equivalents. One, they are part of the company's net working capital (current assets minus current liabilities), which it uses lớn buy inventory, cover operating expenses & make other purchases. They also provide a buffer for the company to lớn quickly convert khổng lồ cash if times become lean. Finally, they may be used lớn finance an acquisition.


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