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Investing - Final

Investing - Final Exam

QuestionAnswer
Anything of value that is owned Assets
Allocating money for a particular purpose Budget
Expenses that don't change month to month Fixed Expenses
Something a person intends to acquire, achieve or accomplish Goal
The total amount of money earned before any deductions are made Gross Pay
An amount owed to a lender Liability
The amount left after all deductions are taken out Net Pay
Expenses that change or vary month to month Variable Expenses
The danger that money won't be worth as much in the future as it is today Inflation Risk
The current price that a buyer is willing to pay for stock Market Price
The specified time int he future when the principal amount of the bond is repaid to a bondholder Maturity Date
The total return on an investment expressed as a percentage of the amount of money invested (return/money invested) Nominal Rate of Return
Reduces risk by spreading investment money among a wide array of investments Portfolio Diversification
Nominal Rate of Return - Inflation Rate Real Rate of Return
The uncertainty regarding the outcome of a situation or event (the higher the risk the higher the reward) Risk
Allows a person to calcualte when the future value of an investment will double the principal amount (72/IR=# of years) Rule of 72
Owner of a share of stock Shareholder
Have potential for significant fluctuations in return over a short period Speculative Investments
The market is doing poorly, investors are not purchasing stock Bear Market
Measures a stocks volatility compare to the overall changes in the stock market (higher beta = higher risk) Beta
The market is doing well, investors are optimistic and purchasing stock Bull Market
shares of ownership in a public corporation (voting rights, most common, dividends can be paid) Common Stock
Brockerage firms buy and sell stocks (New York stock Exchange, American Stock Exchange, Regional Stock Exchanges, NASDAQ) Exchange
Price per share / Earnings per share P/E Ratio
Shares which pay fixed dividends and have priority over common stock (less risky, no voting rights, dividends stated as a fixed percentage) Preferred Stock
Companies that do no issue stock Private Companies
Companies that sell stock Public Companies
Information about the companies of financial information Prospectus
A class of shares with lower 12b-1 fees, breakpoints, and good for large investments and a long time frame Class A Shares
A class of shares with no front-end fees or breakpoints, there are deferred sales charges, the shares can convert to class A shares and they have a higher expense ration. They are good for investors with little investment amounts and a long time horizon. Class B Shares
A class of shares with no front-end or breakpoints, they have a small back-end load that can be removed after 1 year, there are higher expense ratios. Good for investors with a short-time horizon. Class C Shares
The interest payment on a coupon bond. Coupon
The price an investor pays for a bond (also called par value or principal) Face Value
An investment in which the amount of income an investor receives is set, or fixed, by the issuer. Fixed Income Security
The entity (government or corporation) that writes the bond purchased by investors. Issuer
The price an investor pays for a bond (also called face value or principal) Par Value
The initial cost of the bond (also known as the par value or face value of the bond Principal
Created by: mryan396