Basic investment terms annuity a financial product sold by financial institutions pay out a stream of payments to the individual at a later point. This glossary presents a small selection of essential demographic terms and concepts explained for education practitioners who may not all be familiar with this particular field of social sciences. Glossary of investment terms agency securities securities issued by u. Mutual funds raise money by selling shares of the fund to the public and use it to purchase various investment vehicles, such as stocks, bonds. Local regulations that set forth the standards and requirements for the construction, maintenance and occupancy of buildings. A measure of the information carrying capacity of a communications channel. Glossary of terms ehnac glossary of terms 10119 page 3 of 42 term definition american recovery and reinvestment act of 2009 arra the american recovery and reinvestment act of 2009, abbreviated arra and commonly referred to as the stimulus or the recovery act, is an economic stimulus package enacted by the 111th united states. Introduction listening and responding to consumers is central to the bureau s work to educate and empower consumers to make better informed financial decisions. The selection covers terms and concepts referred to in the documents presented on this dedicated project research webpage. The additions reflect the everchanging face of investment markets, with the associated phraseology that this introduces. Basic investment terms creative capital management. Having launched it originally in 2004 we have now updated it with modern terminology to meet with the increasing demand for the book. A mortgage with monthly payments often based on a 30year amortization schedule, with the unpaid balance due in a lump sum payment at the end of a specific period of time usually 5 or 7 years. Public companies file form 8k, known as the current report, to the sec to.
Poverty defined with respect to an absolute material standard of living. Assets resources with economic value owned by a company, fund, or individual. Glossary demographic terms and concepts iiepunesco. B channels are for voice data and d channels for any. Not all funds charge this fee, but a fund that charges more than 0. A list of these ipsass is located on the inside back cover of the glossary. Investment objective the goal of a mutual fund and its shareholders, e. Keeping up with the increasing number of investment products and services in the marketplace today can be confusing. Balance sheet a financial statement that shows the assets, liabilities and owners. Books of account these are the books which a business must keep to record its financial transactions accurately. Glossary of financial terms clute wealth management. A contract between sba and the borrower that spells out the terms and conditions of the loan. Asset any item of economic value that is owned by an individual or entity. Absolute return strategyan approach to investment seeking a positive return using nontraditional investment strategies and unconventional assets.
Glossary of terms used in calstrs retirement progress reports defined benefit supplement account and annuity estimates we use the information in your account to project your balance, generally at ages 55 and 60. This glossary does not include terms defined in the cash basis ipsas, financial. Investment advisor an investment advisor is a professional who helps customers with security and risk analysis, offers investment advice, and manages assets and portfolios. We have expanded this years edition of the investment dictionary by introducing several terms since our last update in 2012 that cover industry updates, as well as other terms not covered previously. Your pocket guide to understanding financial terms. Investment counsel one whose principal business consists of acting as investment advisor and rendering investment supervisory services. This az pocket guide to understanding financial terms is just one of the achievements of ebss partnership with nala. Most investment funds and issuers that publicly sell securities are required to file an. The name securities comes from the documents that certify an investors ownership of. The forbes financial glossary defines hundreds of finance terms to help you decode the puzzle. The cfpbs glossary of english spanish financial terms. Glossary of important business, economic, and financial history terms by robert e.
Bear market a bear market is a prolonged period of falling stock prices, usually marked by a decline of 20% or more. Part 1 covers a broad group of general investment related terms. This glossary presents an overview of the most common forms of investments based. We have written this a to z guide to help you to understand some of the terms you will come across when you buy a house, go into business, take out insurance, invest your money and do all. Securities another name for investments such as stocks or bonds. Consumer glossary national association of insurance. The investment mix of a portfolio among different asset classes such as shares, fixed interest, cash and property. A key concept in financial planning and money management. The definitions in this glossary are developed by the naic research and actuarial department staff based on various insurance references. The annual rate of gain or loss on an investment expressed as a percentage. Private capital investment terms general terms 3private debtspecific 4infrastructurespecific 6natural resourcesspecific 63. Balanced fund mutual funds that seek both growth and income in a portfolio with a mix of common stock, preferred stock or bonds.
Assetbacked securities a security whose value and income payments are derived from, and collateralized by, a specified pool of underlying assets, such as loans, leases, credit cards, and royalties. This measure simply looks at the appreciation or depreciation expressed as a percentage that an asset usually a stock or a fund faces over a. Availability failure a service failure which affects one or more functional areas or units of a facility. This is the value of a fixed asset, such as a building or machine, as recorded in an organisations books. An individual or firm that acts as an agent between providers and users of products or services, such as a mortgage broker or real estate broker. This glossary contains nontechnical descriptions of all the terms in economics for everyone highlighted in small capitals. An investment fund that takes higher risk of loss in return for potentially higher returns or gains. Absolute return the return that an asset achieves over a period of time. You are registered or required to register with the. The most comprehensive investing glossary on the web. Total allowance for credit losses consists of specific and general allowances.
The guide is an important resource that will help to create a much greater understanding of. If you have reached those ages, we use the next appropriate ages. A term used to describe the takeover or buying of a company by another. Italicized terms within the definitions are themselves defined elsewhere in the glossary, for crossreference. A record that holds the results of financial transactions.
An important tool for the investor is to understand the meaning and sense of investment terms used in the financial markets. Availability payments payments made over the lifetime of a contract in return for the private party making the infrastructure. Wright, director of the thomas willing institute for the study of financial markets, institutions, and regulations and the nef family chair of political economy, augustana college sd this work is not ed. This glossary of common financial terms was created and is used by the bureau for translating consumer education materials from english to spanish. These securities have high credit ratings but are not backed by the full faith and credit of the u. The spreading of risk by putting assets in several categories of investments, i. Shortterm investment asset purchased with an investment life of less than a year. The investor must be familiar with them in order for him to be able to get a clearer picture of the components, instruments and reports in the financial markets. The bureau is publically sharing it in an effort to further the accessibility of financial information to limited english proficient persons. This glossary is designed to help you understand some of the more common investment and financial terms you may encounter. A form of corporation, allowed by the irs for most companies with 35 or fewer shareholders, which enables the company to enjoy the benefits of incorporation but be taxed as if it were a partnership. Glossary of canadian investment terms 1 glossary of canadian investment terms from employee benefits in canada, third edition, revised a absolute returna rate of return compared to zero. It is usually the amount paid for the asset less an amount for depreciation.
Investment a financial product or other asset or item of value acquired for the purpose and expectation of increasing its value through growth increase in price or income dividends or interest with favorable future returns. To search references that contain a specific sequence of letters, simply add an asterisk following the partial word. Part 2 covers terms that are specific to insurance products. Glossary of canadian investment terms hrm pension plan. This page provides a glossary of insurance terms and definitions that are commonly used in the insurance business. Government agencies, such as the federal home loan bank. A type of investment approach employed to generate returns in.
Glossary financial and banking terms adjusted results. Opening pdf files saving and downloading pdf files viewing pdf files navigating through a pdf file finding specific words in a pdf file printing a pdf file installing the adobe acrobat web browser plugin glossary of terms. The glossary defines terms that are likely to apply to a wide group of plans and investments, but it does not include definitions for every. This glossary contains all terms defined in the 24 accrual basis international public sector accounting standards ipsass on issue as at december 31, 2006. Investment grade bonds a bond generally considered suitable for purchase by prudent investors. Consumers nationwide have engaged with the bureau through public field hearings, listening sessions, roundtables, town halls, the. Private capital investment termsgeneral terms 3private debtspecific 4infrastructurespecific 6natural resourcesspecific 63. A service that oversees, measures, and evaluates financial information for decision making purposes. Accounts payable accounts payable refers to the amount the snp owes, but has not yet paid, for goods delivered and services. From 401ks to zerosum investments, the glossary is an evolving reference for investors and. Investment an investment is an instrument such as a certificate of deposit, bond, stock, or real estate that generates profits. Certain terms that a particular plan sponsor may want to include in its glossary. Asset classes categories of investments that share certain characteristics and exhibit similar patterns of return.
Asset allocation plan the process of dividin g investments among different kinds of assets, such as stocks, bonds, real estate and cash, to optimize the riskreturn tradeoff based on an individuals or institutions specific situation and goals. Use the free adobe acrobat reader to view pdf files the glossary of direct investment terms and definitions 148k pdf file is based on the methodology for compiling foreign direct investment fdi set out in the international standards, namely, the fifth edition of the imfs balance of paymentws statistics manual 1993, and the third edition of the oecds benchmark definition of foreign. An isdn see below configuration that provides two bearer b channels at 64 kilobitssecond kbits each and one data d channel at 16 kbits. The equation that is the basis of the balance sheet.
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