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Chp 10 Terms Study

Study Guide for Chapter 10 Money Matters

Saving money set aside for the future
Investing a strategy to earn more on your money than the rate of inflation; sometimes explained as using money to make more money
Emergency fund Money set aside for unplanned expenses
Contingencies Unplanned or possible events
Liquidity a measure of how quickly an asset can be turn into cash
Wealth The accumulation of assets over your lifetime
Financial security the ability to meet current and future needs while living comfortable
Retirement a period of time, usually in later years, when you are not working and need to meet expenses through other income sources
Estate all that a person owns (assets), minus debts owed, at the time of that person’s death
Foundation a fund or an organization established and maintained for the purpose of supporting an institution or a cause
Return of investment (ROI) a performance measure used to evaluate the efficiency of an investment
Investment risk the potential for change in the value of an investment
Inflation risk the chance that the rate of inflation will rise faster than your investment rate of return
Bond A debt instrument that issued by a corporation or government
Industry risk the chance that factors affecting an industry as a whole will affect the value of an investment
Political risk The chance that actions taken by the government will affect the value of an investment; example would a destroyed facility due to protest or rioting.
Market risk the chance that changes in the business cycle will affect the value of an investment
Non-Market risk the chance that events unrelated to market trends will affect the value of an investment
Stock ownership interest in a publicly held company
Company risk The chance that activities or events that affect a company will change the value of an investment in that company
Tax deferral a postponement of taxes to be paid
Tax exempt an investment that is not subject to taxation
Systematic saving a strategy that involves regularly setting aside cash that can be used to achieve goals
Systematic investing a strategy that involves a planned approach to making investments on a regular basis
Investment tracking a technique for making investment choices by following the prices of stocks and other investments over time
Market timing buying and selling stocks based on what the market is expected to do
Dollar-cost averaging Investing the same amount of money on a regular basis regardless of market conditions
Diversification Holding a variety of investments for the purpose of reducing overall risk
Portfolio a collection of investments; usually having a strong foundation of safe investments
Financial market any place where investments are bought and sold
Bull market A prolonged period of rising stock prices and general feeling of investor optimism
Bear market A period of steadily decreasing stock prices and investor pessimism; this may offer an opportunity to buy sound stocks at a lower price
Market timing involves the buying and selling of stocks based on what the market is expected to do.
Created by: mrstephens



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