Retirement Plan |
A plan for setting aside money to be spent after retirement |
401k |
A retirement account offered through an employer, where an employee can contribute money from his or her paycheck before or after taxes. |
Investing |
The act of committing money or capital to an endeavor with the expectation of obtaining an additional income or profit. |
Stock exchange |
A business organization that accommodates the buying and selling of securities. |
Bonds |
A certificate representing a promise to pay a definite amount of money at a stated interest rate on a specified due date. |
Mutual Fund |
Money from many investors is used to invest in a variety of companies; allows investors to spread out their risk among many investments. |
Dividend |
Profits paid to stockholders as a return on their investment. |
York Stock Exchange (NYSE) |
A stock exchange based in New York City, which is considered the largest equities-based exchange in the world based on total market capitalization of its listed securities. |
Growth Stock |
Shares in a company whose earnings are expected to grow at an above-average rate relative to the market. Growing companies, more risk & higher PE ratio. |
NASDAQ |
This global electronic marketplace for buying and selling securities was created by the National Association of Securities Dealers (NASD) to enable investors to trade securities on a computerized, speedy and transparent system, and commenced operations on February 8, 1971 and is located in New York. |
Dow Jones Industrial Average |
A measure of stock market prices based on thirty leading companies of the New York Stock Exchange and NASDAQ. Comprised of 30 stocks. |
Bear Market |
Occurs when investors are pessimistic about the economy; prices of securities are falling for a long period of time. |
Bull Market |
Occurs when investors are optimistic about the economy; prices of securities are rising for a long period of time. |
Appreciation |
A general increase in the value of property or investment that occurs over time. |
Capital gain |
A stock that increases in value and is then sold for more than its original cost. |
Capital Loss |
A stock decreases in value and is then sold for less than its original cost. |
Certificate of Deposit |
A savings plan that requires funds to be left on deposit for a specific period of time; higher interest rate than savings accounts; penalties for early withdrawal. |
Collectibles |
Items of personal interest to collectors that can increase in value in the future; ancient coins, works of art or classic cars are examples. |
Common Stock |
General ownership in a corporation and a right to share in its profits; one vote per share owned; able to attend shareholders meeting. |
Compound Interest |
Interest computed on the amount saved plus the interest previously earned. |
Face Value |
The amount being borrowed by the corporation issuing the bond. |
Market Value |
The price at which a share of stock can be bought and sold in the stock market. |
Everfi Module 9- Investing
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