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Thursday, January 23, 2020

financial dictionary pdf - financial terminology dictionary - financial dictionary app

financial dictionary pdf - financial terminology dictionary - financial dictionary app


Trust Fund Definition

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A trust fund is a legal entity that holds and manages assets on behalf of another individual or entity.

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The Most Overlooked Tax Deductions

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The receipts you cram into your wallet could be replaced with cash come tax season.

Life-Cycle Funds: Can It Get Any Simpler?

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Discover a product that offers a way for you to put your entire retirement portfolio on autopilot.

What Does a Real Estate Attorney Do?

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.A real estate attorney prepares or reviews all of the paperwork involved in buying or selling property and represents the buyer or seller at closing.

All About the Investment Banking Series 79 Exam

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The Series 79 exam is a prerequisite for getting an entry-level job as an investment banking representative.

Cash Return on Capital Invested (CROCI) Definition

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Cash return on capital invested (CROCI) is a formula that evaluates a company by comparing its cash return to its total equity.

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What is the difference between a zero-coupon bond and a regular bond?

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A zero-coupon bond does not pay coupons or interest payments like a typical bond does; instead, a zero-coupon holder receives the face value of the bond at maturity.

How a Federal Bond Gets Issued

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Why should you care about federal bond issues? Because Treasury bonds (T-Bonds) tend to be the safest fixed-income investments available.

The Top 5 High Yield Bond Funds for 2020

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Mutual funds and ETFs that invest in high-yield bonds yield greater returns than government securities, but with additional and often significant risk.

Straight Life Annuity

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A straight life annuity is a retirement income product that pays a benefit until death but forgoes any further beneficiary payments or a death benefit.

Kondratiev Wave Definition

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Kondratiev Wave is a long-term economic cycle, believed to result from technological innovation, that produces a long period of economic prosperity.

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Variable Annuities: A Good Retirement Investment?

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Variable annuities provide lifetime payments and tax-deferred growth, but – given their hefty fees – are they right for you?

Special Assessment Tax Definition

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A special assessment tax is a local surtax in addition to regular property taxes that is levied on homeowners to pay for a specific project.

529 Strategies That Maximize Student Aid Options

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Paying for college isn't just about putting savings into a 529; how that money is spent can determine whether there will be enough for all four years.

The Best Affordable Health Insurance Companies

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With new quality ratings on the health insurance exchanges, shoppers can find out which companies provide the best affordable care.

Is Annuitization Your Best Strategy?

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Annuitization provides an income stream annuity owners can't outlive, but there are pitfalls to consider before deciding if this is the right move.

How to Find and File Your Federal Tax Forms

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Don't know how to acquire and file the tax forms you need? We'll tell you.

Shock Therapy Definition

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In economics, shock therapy theorizes that sudden, dramatic changes in national economic policy can turn a state-controlled economy into a free-market economy.

Can I Use Stocks Instead of Cash to Fund My Roth IRA?

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You must contribute to your Roth individual retirement account (IRA) by cash or check; except via a rollover if the same security was distributed.

Annuity Consideration Definition

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An annuity consideration is the money an individual pays to an insurance company in exchange for a financial instrument providing a stream of payments.

Microsoft Earnings: What to Look For From MSFT

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Microsoft is set to report earnings after close on January 29, and investors will be looking for continued strength in cloud revenues, which are key to keeping its stock rising.

Visa Earnings: What to Look for from V

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Visa (V) is expected to report Q1 2020 financials after the market close on January 30. A key focus will be the credit card giant's payments volume.

Paying for Long-Term Care: How It’s Changing

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As the baby boomer generation continues to age, the question of what to do about long-term care costs only becomes more important. Here are some options.

What Are the Benefits of Credit Ratings?

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Learn how credit ratings are an important tool for borrowers. Typically, the better your credit rating, the better the loan terms.

3 Oil and Gas Equipment Stocks in Possible New Uptrend

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Robust international operations coupled with rebounding oil prices have lifted oil and gas equipment stocks. Trade these three industry leaders.

Can You Deduct Your IRA Contributions?

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In many cases, yes, that's what makes an IRA a great savings option. But your eligibility to claim a tax deduction depends on a number of factors.

When and Why Were GAAP First Established?

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Take a deeper look into the development and purpose of the generally accepted accounting principles, also known as GAAP, for financial reporting.

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Form 1099-A Definition

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If you have lost a home or other real property to foreclosure, the bank or lender will file Form 1099-A to notify the IRS that the property has been transferred.

Form 1099-K Definition

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The 1099 series of Internal Revenue Service (IRS) forms helps taxpayers report monies received from a variety of sources if those monies top a certain threshold.

1040NR Form—Understanding Your 1040NR Form

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Form 1040NR is a version of the tax return that nonresident aliens file if they engaged in business in the U.S. or earned income from U.S. sources.

Regional Bank Stocks Look Set for a Move Higher in 2020

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Bullish chart patterns suggest that this under-followed segment of the U.S. economy could be one of the best performers in 2020.

Disney Stock Stuck in Neutral So Far in 2020

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Disney's sub-par January performance may indicate that streaming service subscription numbers are now "baked into" the stock price.

Should You Focus on Crypto in Your Advisory Practice?

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Cryptocurrency is often considered risky, but some experts believe it should be considered a viable asset class.

Inverse China ETFs Jump Amid Spread of Coronavirus

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Chinese stocks suffered their largest one-day fall this year on reports that coronavirus has spread. Keep an eye on these inverse China ETFs.

Costco Stock Breaks Out After Analyst Upgrade

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Costco shares cleared four-month resistance and posted an all-time high after an Oppenheimer upgrade.

UBS Stock Breaks Down After Weak Q4 Earnings

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UBS shares moved sharply lower on disappointing fourth quarter results, prompting some analysts to lower their expectations for the year.

Sarbanes-Oxley (SOX) Act of 2002 Definition

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The U.S. Congress passed the Sarbanes-Oxley (SOX) Act of 2002 to help protect investors from fraudulent financial reporting by corporations

Defining Take-Home Pay

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Take-home pay is the net amount of income after taking out taxes, benefits, and other deductions. Gross pay is prior to deductions.

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Economic Man Definition

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Economic man refers to an idealized human being assumed to act rationally, and who seeks to maximize personal satisfaction and utility.

Authorized Investment Definition

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An authorized investment is an investment made by a trustee that follows the written instructions in a trust.

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Tax Bracket Definition

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A tax bracket is the rate at which an individual is taxed. Tax brackets are set based on income levels.

Mini-Tender Definition

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In finance, the term "mini-tender" refers to an offer made to purchase no more than 5% of the stock of a company.

Are 401(k) Withdrawals Considered Income?

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Learn why 401(k) withdrawals are taxable income, and find out when those withdrawals are also subject to an additional penalty tax from the IRS.

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Qualified Distribution Definition

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A qualified distribution is a withdrawal that is made from an eligible retirement account and is tax- and penalty-free.

4 Basic Facts to Know About IRAs

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Money in an individual retirement account (IRA) can work harder for you than money in a savings account. Here are some IRA facts you need to know.

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Taxable Income vs. Gross Income: What's the Difference?

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Gross income is all sources of taxable income, but you're not taxed on all of it. You can take certain deductions to arrive at your taxable income, which determines your tax rate or bracket.

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The Benefits of Starting an IRA for Your Child

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Both traditional IRAs and Roth IRAs can be opened for kids of any age, and the benefits range from the savings themselves to learning about money.

What Is a Stretch IRA, and How Does a Stretch IRA Work?

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The stretch IRA was an estate-planning strategy that kept the account's tax-deferred status for future beneficiaries such as grandchildren and great-grandchildren.

Tax Increase Prevention and Reconciliation Act of 2005 (TIPRA)

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The Tax Increase Prevention and Reconciliation Act of 2005 (TIPRA) was signed by President George W. Bush and contains revisions to pre-existing tax laws.

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Adjusted Gross vs. Modified Adjusted Gross Income: The Difference

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Learn how adjusted gross income (AGI) and modified adjusted gross income (MAGI) can make a difference in your tax liabilities.

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Setting Every Community Up for Retirement Enhancement (SECURE) Act

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The bipartisan Setting Every Community Up for Retirement Enhancement (SECURE) Act of 2019 aims to aid Americans' ability to save for retirement.

Inherited IRA and 401(k) Rules Explained

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Here is what you need to know when it comes to the complex rules for inherited IRAs and 401(k)s.

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Traditional IRA Definition

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A traditional IRA (individual retirement account) allows individuals to direct pre-tax income toward investments that can grow tax-deferred.

Ayurveda Definition

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Ayurveda is a system of medicine that originated in India over 2,000 years ago. It is now being successfully commercialized.

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Exclusion Ratio Definition

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The exclusion ratio measures a percentage of return not subject to taxes and represents a payback of initial investments rather than capital gains.

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Tick Definition

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A tick is a measurement of the minimum upward or downward movement in the price of a security. With decimalization, the minimum stock tick size is one cent.

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Equity-Indexed Annuity Definition

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An equity-indexed annuity offers the potential to earn a higher return than a traditional fixed annuity, but is more complex and has cons to consider.

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Administrator Definition

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An administrator is a court-appointed individual who handles all financial matters for a decedent during probate.

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Can I Have Both a Roth and a Traditional IRA?

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You can invest in both a traditional IRA and Roth IRA if you're eligible and your total contribution doesn't exceed the IRS limits for the year.

401(k) vs. Roth IRA: What’s the Difference?

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A 401(k) and a Roth IRA are both great tax-saving vehicles for your retirement dollars, but check out the differences before you pick one over the other.

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Target-Date Fund Definition

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A target-date fund is a fund offered by an investment company that seeks to grow assets over a specified period of time for a targeted goal.

Will I Have to Pay Taxes on My 401(K) Plan If I Quit My Job?

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Quitting your job does not trigger a taxable event for your 401(k) funds unless you elect to cash out your account and take a distribution.

Designating a Trust as a Retirement Beneficiary

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Designating a trust as your IRA beneficiary can be beneficial, but it requires proper planning to avoid problems.

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Extended IRA

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An Extended IRA allows a second-generation beneficiary to continue receiving the assets over the life expectancy used by the first-generation beneficiary.

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Passive Activity Loss Rules Definition

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Passive activity loss rules are a set of IRS rules that prohibits using passive losses to offset earned or ordinary income.

Primary Beneficiary Definition

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A primary beneficiary is the first person in line to receive distributions from a trust or retirement account such as a 401(k) or IRA. An individual can name multiple primary beneficiaries and stipulate how distributions would be allocated.

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For Life Insurers, Making Money Is A Numbers Game

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Life insurance is a data-driven industry that relies on complex financial models to predict future expenses and income from premiums and investments.

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Should You Get a Gold IRA?

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Yes, you can invest in actual gold or other precious metals for your IRA. See the special rules for gold IRAs and what to consider before investing.

Long-Term Capital Gain or Loss

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A long-term capital gain or loss comes from a qualifying investment that was owned for longer than 12 months before being sold.

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Designating a Minor as an IRA Beneficiary

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Leaving an IRA to a minor can be a complicated procedure. Make sure you understand how your gift will be distributed, managed, and taxed.

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4 Big Reasons Your Expenses Could Rise in Retirement

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Expenses don't always decline in retirement for four prime reasons, but the good news is that there are ways to save money on each.

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529 Savings Plan vs. Roth IRA for College

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529 plans are for education and Roth IRAs are for retirement. But you can use either—or both—of these tax-advantaged plans to boost college savings.

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Term Deposit Definition

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A term deposit is a type of financial account where money is locked up for some period of time in return for above average interest payments on those amounts.

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Intermediate/Medium-Term Debt

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Medium-term debt is a type of bond or other fixed income security with a maturity, or date of principal repayment, that is set to occur in two to 10 years.

Is an IRA a Qualified Plan?

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Learn about the definition of a qualified retirement plan and some of the features and benefits of individual retirement accounts (IRAs).

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How to Get the Most Out of Your 401(k) Plan

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Your retirement security depends on your retirement accounts and the nest egg you build with them. Find out how to get the most out of your 401(k) plan.

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Qualified Longevity Annuity Contract (QLAC) Definition

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A Qualified Longevity Annuity Contract (QLAC) is a deferred annuity funded with money that came from a qualified retirement account such as an IRA.

Top Retirement Prep Questions to Ask Clients

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Is your client really ready for retirement? Here are some essential questions to ask.

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Disclaimer Trust

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A disclaimer trust allows a surviving spouse to put specific assets under the trust.

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Short-Term Debt Definition

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Short term debt, also called current liabilities, is a firm's financial obligations that are expected to be paid off within a year.

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Can IRAs Be Held Jointly by Spouses?

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An individual retirement account (IRA) must be held in only one person's name. But the IRA owner may designate his or her spouse as a beneficiary.

Common Questions About Retirement Plans

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We offer some solutions for the individual taxpayer as well as the small business owner.

Converting Your 403(b) to a 401(k)

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The IRS says that you can roll a 403(b) plan into a 401(k) plan, or vice-versa, provided your employer permits it.

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What Impact would Deflation have on the National Debt?

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Deflation can create problems like decreased consumer spending, increased interest rates, and it can cause the real value of national debt to rise.

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What Is the SECURE Act and How Could It Affect Your Retirement?

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This far-reaching bill increases access to tax-advantaged retirement accounts and prevents older Americans from outliving their assets.

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Personal Bankers: Job Description and Salary

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Discover the job duties and typical salary of a personal banker, and identify the education and skill set needed to be successful in the field.

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Clearing up Tax Confusion for College Savings Accounts

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Put your kids through school without being hounded by the tax man.

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What are unregistered securities or stocks?

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Before securities, like stocks, bonds, and notes, can be offered for sale to the public, they first must be registered with the Securities and Exchange Commission (SEC).

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Will a Systematic Withdrawal Plan Work for You?

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Systematic withdrawal plans are commonly used in retirement income planning, but they are also often misunderstood.

Accumulation Period Definition

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An accumulation period is the phase in an investor's life when they build up their savings and investment portfolio to save for retirement.

Beneficiary Definition

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A beneficiary is any person who gains an advantage and/or profits from something typically left to them by another individual.

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What are the differences between a SIMPLE IRA and a traditional IRA?

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SIMPLE IRAs and traditional IRAs are retirement savings vehicles that differ in their early distribution penalties and in who can participate in each type of plan.

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Current Income Definition

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Current income refers to cash flows that are anticipated in the immediate to short-term.

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Gross Rate of Return Definition

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The gross rate of return is defined as the total rate of return on an investment before the deduction of any fees or expenses.

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Accrual Rate Definition

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Accrual rate refers to the rate of interest that is added to the principal of a financial instrument between cash payments of that interest.

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Why IRA, Roth IRA, and 401(k) Contributions Are Limited

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The IRS caps contributions to retirement savings plans to prevent high earners from benefiting more from tax breaks than the average worker.

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Will Roth IRA Withdrawals Be Taxed in the Future?

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The tax-free deal on the Roth IRA may seem too good to be true, but rest assured that there are at least five good reasons for it to stay that way.

Getting the Whole Story on Variable Annuities

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Variable annuities can provide monthly income for life, but they often have high fees and make it difficult to get your money out if you need to.

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Capital Recovery Definition

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Capital recovery refers to the earning back of the initial funds put into an investment that a company must accrue before it can earn a profit on its investment.

Turnover ratios and fund quality

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Learn why the turnover ratios are not as important as some investors believe them to be.

Roth IRA: How These Accounts Work and How to Get Started

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A Roth IRA is a retirement savings account that allows you to withdraw your money tax-free. Learn why a Roth IRA may be a better choice than a traditional IRA for some retirement savers.

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Robert H. Smith School of Business Definition

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The Robert H. Smith School of Business—informally known as the Smith School—is a business school located at the University of Maryland in College Park, Maryland.

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The Risks of High Operating and Financial Leverage

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Investors employ leverage to generate greater returns on assets, but excessive losses are more possible from highly leveraged positions.

Present Value of an Annuity Definition

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The present value of an annuity is the current value of future payments from that annuity, given a specified rate of return or discount rate.

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Avoid Overpaying Taxes on IRA Distributions

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Don't assume your IRA custodian will track your nondeductible contributions. Keeping good records helps you avoid paying too much tax on your IRA distributions.

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University of Virginia Darden School of Business Definition

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The University of Virginia Darden School of Business is a graduate business school located at the University of Virginia in Charlottesville, Virginia.

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IRS Publication 561 Definition

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IRS Publication 561 provides information on how to determine the fair market value for charitable contributions that a taxpayer may wish to deduct.

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IRS Publication 721: Tax Guide To U.S. Civil Service Retirement Benefits

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IRS Publication 721: Tax Guide To U.S. Civil Service Retirement Benefits details U.S. income tax rules for retirees from federal service.

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Funding a Roth IRA

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There are several easy ways to contribute to a Roth IRA, including automatic withdrawals from your checking account.

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Cash Balance Pension Plan Definition

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A cash balance pension plan is a type of retirement savings account that has an option for payment as a lifetime annuity.

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4 Mistakes Clients Make With Roth IRAs and Their Estate

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Beneficiaries will not be able to maximize their tax savings with a Roth IRA unless it is passed down in a certain manner.

Qualified Retirement Plan

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A qualified retirement plan meets the requirements of Internal Revenue Code Section 401(a) and is therefore eligible to receive certain tax benefits.

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2% Rule Definition

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The 2% rule is a money management strategy where an investor risks no more than 2% of available capital on a single trade.

Long-Term Debt Definition

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Long-term debt is debt with maturities greater than 12 months. Values of long-term debts are more sensitive to interest rate changes.

Required Minimum Distribution (RMD) Definition

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A required minimum distribution is a specific amount of money a retiree must withdraw from a tax-deferred retirement account each year after age 70 1/2.

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Disadvantages of Roth IRAs Every Investor Should Know

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Before you open a retirement account, you should know the disadvantages of Roth IRAs. Income limits are one drawback. Learn about the disadvantages of Roth IRAs.

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Bond Futures Definition

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Bond futures oblige the contract holder to purchase a bond on a specified date at a predetermined price.

Quantity Supplied Definition

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The quantity supplied is a term used in economics to describe the amount of goods or services that are supplied at a given market price.

Bearish Harami Definition

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A bearish harami is a two bar Japanese candlestick pattern that suggests prices may soon reverse to the downside. An uptrend precedes the formation of a bearish harami.

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Synthetic Put Definition

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A synthetic put is an options strategy that combines a short stock position with a long call option on that same stock to mimic a long put option.

Choose Among Bronze, Silver, Gold And Platinum Health Plans

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How to choose among the different coverage levels in the Health Insurance Marketplace. Which metal makes the most sense for you?

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Too Rich for a Roth? Do This

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A backdoor Roth IRA could allow high-income earners to grow their retirement wealth.

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Backtesting and Forward Testing: The Importance of Correlation

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Correlations between backtesting and forward performance testing results can help you optimize your trading system.

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Tree Diagram in Math

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A tree diagram in math is a tool that helps calculate the number of possible outcomes of a problem and cites those potential outcomes in an organized way.

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What's the Difference Between Retirement in Canada and America?

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American and Canadian governments provide many of the same types of services for those in retirement, but the subtle differences between the two countries are worth noting.

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Venn Diagram Definition

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A Venn diagram is an illustration that uses circles to show the commonalities and differences between things or groups of things.

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Build a Profitable Trading Model In 7 Easy Steps

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Trading models can provide a powerful tool for building profit. Traders can use and customize existing trading models or build an original model. This article provides seven steps to building your own trading model.

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Accredited Investor

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Accredited investor has the financial sophistication and capacity to take the high-risk, high-reward path of investing in unregistered securities sans certain protections of SEC

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What Happens to a 401(k) After You Leave Your Job?

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There are several options for your 401(k) when you leave your job, including leaving it where it is and rolling it over to another retirement account.

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How Long Should I Keep My Tax Records?

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Having the right information available when the IRS calls can save you considerable time, money, and stress. Learn how long you're obligated to keep your tax records.

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