vermogensopbouw

English translation: capital accrual

11:48 Sep 6, 2015

Dutch to English translations [PRO]
Bus/Financial - Real Estate

Dutch term or phrase: vermogensopbouw

This is about refinancing and being able to keep an old interest-only mortgage arrangement ("spaarhypotheek" etc.) which would no longer be possible under current legislation and regulations. My source text says, "Hierbij wordt de oude vermogensopbouw gerespecteerd".

My client's terminology list lists "wealth creation" for "vermogensopbouw", but I'm having some misgivings as to whether that's appropriate in this particular context. . .

Emma Rault (X) KudoZ activity Questions: 424 (10 open) (2 without valid answers) (37 closed without grading) Answers: 0 United Kingdom
Local time: 17:10

English translation:capital accrual

Explanation:
In deze context - van een spaarhypotheek- groeit het kapitaal door stortingen en door rente (-op-rente).
Wealth creation is voor vermogensopbouw met behulp van aandelen (waardestijging en dividend).

Selected response from:

Frank van 't Hoog
France
Local time: 18:10

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4 KudoZ points were awarded for this answer

Summary of answers provided

4 +2

capital accrual

Frank van 't Hoog

level of asset-build

Adrian MM. (X)

Summary of reference entries provided

refs

Michael Beijer

Discussion entries: 2

Answers

36 mins confidence:

peer agreement (net): +2

capital accrual

Frank van 't Hoog
France
Local time: 18:10
Native speaker of:

Dutch
PRO pts in category: 4

Grading comment

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2 hrs confidence:

level of asset-build

Explanation:
wealth creation is certainly within 'acceptable parameters' of this Germanic concept cf. Vermögensaufbau in DE.

Anyway, it is surely a fraught strategy to query the client's own glossary, even if complete bunkum.

But the nuance of gerespecteerd needs to be reflected - that's why I've tentaively inserted a 'level'.

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Note added at 1 day19 hrs (2015-09-08 06:49:16 GMT)
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= structure. I'm afraid my Dutch isn't up to it. But 'redemption capital structure' sounds like a right royal mix-up. If anything, it would be capital > your better-sounding: loan > repayment structure. Capital (vs. a mortgage, financial bond, token or voucher) is not redeemed but repaid, except in 'capital redemption business' in life ins.ass.

Reference: http://www.proz.com/kudoz/german_to_english/insurance/374797...
Reference: http://business.financialpost.com/personal-finance/should-yo...

Adrian MM. (X)
Local time: 18:10
Specializes in field
Native speaker of:

English
PRO pts in category: 63

Notes to answerer

Asker: Yes, but the glossary is like a translation memor--it does not provide context, so it may well be that the term was previouly used in a completely different context. IMO "level" has no place here, it's about the *method* of 'asset-buid', i.e. putting savings into a savings account or paying premiums on an insurance policy to work towards paying off the principal in a single lump sum, and only paying monthly interest payments in the meantime.

Asker: Okay, I've had another think about this, since I'm encountering this "opbouw" again and again in the section of the text I'm working on, and I'm now wondering whether perhaps "structure" is the way to go. i.e. "de samenstelling van de beleggingen in het op te bouwen kapitaal", "de opbouw van het aflossingskapitaal" = redemption capital structure (if that isn't too much of a mouthful)? Or should I go for a more liberal/less literal appraoch and go with "loan repayment structure"? What do you reckon?

Reference comments

2 hrs

Reference: refs

Reference information:
v:
vermogensopbouw =
capital accumulation, wealth creation

vermogensaanwas =
capital growth

FELOnline:
vermogensvorming [vermogensopbouw] =
asset building
capital building
wealth building
wealth enhancement
asset accumulation
capital accumulation
wealth accumulation
wealth creation
wealth management
capital growth
capital formation

vermogensaanwas =
capital growth
capital accretion

Van Dale NL-EN:
vermogensaanwas de (m.)
1. het groter worden van het vermogen
capital gain
capital accretion / appreciation / growth
context:
belasting op de vermogensaanwas = capital gains tax / levy

2. datgene waarmee het vermogen toegenomen is
capital gain(s)

Michael Beijer
United Kingdom
Works in field
Native speaker of:

English
PRO pts in category: 84

Note to reference poster

Asker: Chill out, guys :-) Thanks for the ref, Michael. It doesn't seem to be too ar to find a dozen ways of translating this term, but the context has me a bit uncertain which one of those would be appropriate.

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English translation: capital accrual

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