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Module 3 Saving & Investing

Blue Chip Stock stocks from nationally recognized companies with long history of profit, dividend payments, and reputation for management.
Bond a form of lending to a company or the government (city, state, or federal).
Certificate of Deposit an insured interest earning savings tool that allows restricted access to the funds. Checking Account
Common Stock shares or units of ownership in a public corporation.
Countercyclical Stock shares of companies which give consistent returns even when the economy is suffering.
Cyclical stocks stocks influenced by changes in the economic business cycle.
Dividend The share of profits distributed in cash.
Financial risk pyramid illustrates the trade-offs between risk and return for a number of saving and investing tools.
Growth Stock stocks are from companies who have consistent record of relatively rapid growth and earnings in all economic conditions.
Income Stock stocks that pay higher than average dividends.
Index a group of similar stocks and bonds.
Index fund a mutual fund that was designed to reduce fees by investing in the stocks and bonds that make up an index.
Inflation the rise in the general level of prices.
Inflation risk the danger that money won’t be worth as much in the future as it is today.
Investing the purchase of assets with the goal of increasing future income.
Investment philosophy an individual’s general approach to investment risk.
Investment risk the possibility that an investment will fail to pay the expected return or fail to pay a return at all.
Market price the current price that a buyer is willing to pay for stock.
Maturity date the specified time in the future when the principal (or initial investment) amount of the bond is repaid to the bondholder.
Mutual fund created when a company combines the funds of many different investors and then invests that money in a diversified portfolio of stocks and bonds.
Money Market Deposit Account a government insured account offered at most depository institutions, which requires minimum account balances and tiered interest.
Preferred Stock shares which pay dividends and have priority over common stock.
Portfolio diversification reduces risk by spreading investment money among a wide array of investment tools.
Rate of return the total return on an investment expressed as a percentage of the amount of money invested.
Risk the uncertainty regarding the outcome of a situation or event.
Rule of 72 allows a person to easily calculate when the future value of an investment will double the principal amount.
Savings Account account to hold money not spent on consumption.
Savings Bond discount bond purchased for 50% of the face value from the U.S. government.
Savings Tools secure and liquid accounts offered by depository Institutions assisting in management of a fund.
Speculative investments have the potential for significant fluctuations in return over a short period of time.
Stock a share of ownership in a company.
Stockholder or Shareholder the owner of a stock.
Tax sheltered investments eliminate, reduce, defer, or adjust the current year tax liability.
Value Stock stocks from companies which have a low market price considering historical earnings records and value assets.