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Defined benefit pension plan - ️️a pension plan that provides an annuity to eligible employees upon their retirement with the amount paid per year based on a formula that usually includes a company-determined percentage, the number of years worked, and either the last salary or some average ...

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UGBA 135 Final
Defined benefit pension plan - ✔️✔️a pension plan that provides an annuity to eligible
employees upon their retirement with the amount paid per year based on a formula that
usually includes a company-determined percentage, the number of years worked, and
either the last salary or some average of previous years' salaries (ex. 401(k) )

Go-to rate of interest - ✔️✔️Rate you are charged on unpaid balances; rate earned
based on your credit score; in addition to the variable interest rate to determine the total
rate of interest on your account

When money has to be received to avoid a late fee - ✔️✔️Received by deadline (not
postmarked)

If you make an extra payment, where should it go? - ✔️✔️Towards principal

What are prepaid cards - ✔️✔️Made for those who can't get credit cards, beware of
fees

Greatest FICO score determinant? - ✔️✔️Paying bills on time

Rule of 72 - ✔️✔️Divide by the interest rate to find the number of years it would take to
double your money; conversely, divide by number of years you want to double your
money in to find the interest rate that satisfies this

Long term capital gain - ✔️✔️A gain on assets that were held longer than 12 months,
taxed at max 20%

Short term capital gain - ✔️✔️A gain on assets held less than 12 months, taxed at 37%

Variable rate of interest - ✔️✔️an interest rate that moves up and down based upon a
benchmark interest rate which is not controlled by the lender (often based on market
rate)

Pass through deduction of 20% - ✔️✔️allows qualifying business owners to deduct
from their income taxes up to 20 percent of their business profit. For example, if you had
$100,000 in business profit in 2018, you may be able to deduct up to $20,000. You can
get his deduction if you're self-employed (a sole proprietor).

compounding - ✔️✔️earning interest on interest

, proprietorship - ✔️✔️A business owned by one person w/ unlimited liability, doesn't
survive death of owner

partnership - ✔️✔️a business organization owned by two or more persons: general and
limited partners, survives the death of the owner

corporation - ✔️✔️A business owned by stockholders who share in its profits but are
not personally responsible for its debts, limited liability to the amount of their investment

should you buy mutual fund fund shares at the end of the year? - ✔️✔️no because
that's when dividends are distributed and you'll have to pay higher capital gain tax rates

how do you reduce risk? - ✔️✔️diversify

most important factor if investor is choosing to invest more money in stock? -
✔️✔️growth in earnings

PE Ratio - ✔️✔️price per share/earnings per share

Dollar cost averaging - ✔️✔️a long-term technique used by investors who purchase an
equal dollar amount of the same stock at equal intervals

Bonds - ✔️✔️Certificates of debt that carry a promise to buy back the bonds at a higher
price

Current yield - ✔️✔️a bond's annual coupon divided by its price

coupon yield - ✔️✔️The rate the bond issuer promises to pay its investors. (fixed)

yield to maturity - ✔️✔️the rate of return a bondholder will receive if the bond is held to
maturity

mutual fund - ✔️✔️fund that pools the savings of many individuals and invests this
money in a variety of stocks, bonds, and other financial assets

closed end mutual fund - ✔️✔️Fund with a set number of shares to be issued,
determined before the fund is ever established

Exchange Traded Funds - ✔️✔️an investment fund traded on stock exchanges, much
like stocks. holds assets such as stocks, commodities, or bonds

sector fund - ✔️✔️A mutual fund whose investment objective is to capitalize on the
return potential provided by investing primarily in a particular industry or sector of the
economy. Syn. industry fund; specialized fund.

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