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Personal Finance
| Question | Answer |
|---|---|
| Aggressive Growth Stock Mutual Fund , | Mutual fund that seeks to provide maximum long-term capital growth from stocks of primarily smaller companies or narrow market segments; dividend income is incidental; the most volatile fund; also referred to as a small-cap fund. |
| Annuity, | Contract sold by an insurance company, designed to provide payments to the holder at specified intervals, usually after retirement; the holder is taxed at the time of distribution or withdrawal, making this a tax |
| Bond, | Debt instrument an issuer such as a corporation or government agency owes you money; a form of I.O.U.; the issuer makes regular interest payments on the bond and promises to pay back or redeem the face value of the bond at a specified point |
| C.D., | Certificate of Deposit, usually at a bank; savings account with a slightly higher interest rate because of a longer savings commitment(i.e. six months, one year, etc.). Penalty if you take it out early |
| Commodity, | A food, metal, or fixed physical substance that investors buy or sell, usually via future contracts. |
| Diversification, | To spread around one’s investment dollars among several different classes of financial assets and among the securities of many issuers; results in lowered risk. |
| Dividend, | Distribution of a portion of a company’s earnings, decided by the board of directors, to a class of its shareholders; generally distributed in the form of cash or stock. |
| Fixed Annuity , | Type of annuity that guarantees a certain rate of return. |
| Futures, | A term used to designate all contracts covering the sale of financial instruments or physical commodities for future delivery on a commodity exchange. |
| Investments , | Account or arrangement in which one would put their money for long-term growth; should not be withdrawn for a suggest min. # of year |
| Growth Stock Mutual Fund, | Fund that buys stock in medium-sized companies that have experienced some growth and are still expanding; also called a mid-cap fund. |
| Large Cap Fund | Funds comprised of large, well-established companies |
| Liquidity, | Quality of an asset that permits it to be converted quickly into cash without loss of value; availability of money; when there is more liquidity, there is typically less return. |
| Mid Cap Fund | Mutual fund containing a group of medium-sized companies that are growing. |
| Money Market , | Mutual fund that seeks to maintain a stable share price and to earn current income by investing in interest |
| Mutual Fund, | Pool of money managed by an investment company/ invested in multiple co., bonds, etc.; offers a variety of goals;used to generate income on a regular basis or to preserve an investor’s money; sometimes invest in companies that are growing at a rapid pace. |
| Portfolio , | A list of your investments. |
| Rental Real Estate, | Buying real estate to rent out as an investment. |
| Risk, | Degree of uncertainty of return on an asset; in business, the like hood of loss or reduced profit. |
| International Stock Mutual Fund, | Mutual fund that contains international or overseas companies. |
| Risk Return Ratio, | Relationship of substantial reward in comparison to the amount of risk taken. |
| Savings Account | Accounts at financial institutions that allow regular deposits and withdrawals. The minimum required deposit, fees charged, and interest rate paid varies among providers. |
| Share, | Piece of ownership |
| Small Cap Fund | Mutual fund that invests in companies whose market value is less than $1 billion; largely consists of smaller, more volatile companies; also called aggressive growth stock mutual fund. |
| Speculative , | Purchasing risky investments that present the possibility of large profits, but also pose a higher-than-average possibility of loss |
| Track Record, | The past history of something; with investments, look at the five or ten year record. |
| Variable Annuity, | Annuity that has a varying rate of return based on the mutual funds in which one has invested. |
Created by:
eramig
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