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Calculators, Reading & Glossary

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Financial Calculators

Recommended Reading

Think & Grow Rich by Napoleon Hill – What a great book. Surprisingly, it’s not just about accumulating money, it’s about building a successful life with many intangible and tangible benefits. But it will definitely help you get rich in dollars and assets.

The Millionaire Next Door by Thomas J. Stanley, Ph.D. and William D. Danko, Ph.D.

The Millionaire Mind by Thomas J. Stanley, Ph.D. Millionaires don’t spend money the way certain celebrities and movies and television portray it. Anyone can become a “millionaire next door” by following time tested sensible “rules.”

Stocks for the Long Run by Jeremy J. Siegel, Ph.D.

 

Abbreviated Glossary of Investment Terms

ASSETS - Resources owned by a company, fund, or individual; i.e. cash, investments, money due, materials, inventories, etc.

BEAR MARKET - A market in which prices are falling, or expected to do so.

BOND - A debt security issued by corporations, governments, or their agencies, in return for cash from lenders and investors. A bond holder is a creditor, not a shareholder.

BULL MARKET - A market in which prices are rising, or expected to do so.

COMMODITY - A tradable item that can generally be further processed and sold; i.e. metals, wheat, coal, etc.

COMPOUND INTEREST - Interest that is calculated on both the principal and interest previously earned.

DIVERSIFICATION - One of the most effective ways to reduce risk is to diversify your portfolio. No one type of security, asset class or investment manager provides the best performance over all time periods. So a range of investments should reduce the risk of each of the investments.

DIVIDEND - The amount of a corporation’s after-tax earnings that it pays to its shareholders.

DOW JONES INDUSTRIAL - U.S. stock market prices frequently quoted in the news.

FINANCIAL ANALYST - A person trained to advise on the risk and return characteristics of investments and in the management of investment portfolios.

INVESTMENT - An asset acquired for the purpose of producing income and/or capital gains.

LIQUIDITY - The ability of an investment to be easily converted into cash with little- to no loss of capital and a minimum of delay.

MARKET - A public place where buyers and sellers conduct transactions, either directly or via intermediaries.

NATIONAL ASSOCIATION OF SECURITIES DEALERS AUTOMATED QUOTATIONS (NASDAQ) - The New York-based U.S. stock exchange that specializes in technology companies.

OPTION - An agreement that conveys the right, but not the obligation, to the holder to buy or sell a particular security at a stipulated price within a stated period of time.

PORTFOLIO - An investor’s collection of investment holdings, usually with reference to its composition.

PROSPECTUS - A legal document, required by the Securities Act of 1933, setting forth the complete history and current status of a security or fund; it must be made available whenever an offer to sell is made to the public.

RETURN - The amount of money received annually from an investment, usually expressed as a percentage.

RISK - The measurable likelihood of loss or less-than-expected returns. A way of reducing risk is to diversify investments. Risk cannot be eliminated but, it can be managed. Assessing risk and potential investment returns should be in the context of your goals and your timeline.

Types of Risk

  • Investment market risk - the possibility that all investments in a market sector, will be influenced by an event.
  • Investment specific risk - the possibility that a particular investment may under perform compared to competitors.
  • Market timing risk - the possibility that the investment may be sold at a time when the sale price is at a low-point or purchased when the sale price is at a high-point.
  • Inflation risk - the possibility that your investment return is below the inflation rate, which reduces the spending power of your money.
  • Credit risk - the potential failure of a debtor to make payments on amounts they have borrowed.
  • Interest rate risk - the possibility that your investment will be adversely impacted by a fall or rise in interest rates.
  • Legislative risk - the possibility that a change in legislation will impact the appropriateness of certain investments.
  • Liquidity risk - the ease with which you can sell or liquidate your investments. Some investments impose exit fees or have limitations on withdrawals. Other investments may be difficult to sell due to a lack of buyers.

SECURITIES AND EXCHANGE COMMISSION (SEC) - The U.S. regulatory authority for the securities industry.

SECURITY - The paper right to a tradable asset.

SIMPLE INTEREST - Interest that is paid on the initial investment alone.

STOCK - An instrument that signifies an ownership position (equity) in a corporation.

TREND - The current general direction of movement security or commodity prices.

VOLATILITY - The extent of fluctuation in share price, interest rates, etc. The higher the volatility, the less certain an investor is of return; therefore, volatility is one measure of risk.

DISCLOSURE:

At certain places on Googins and Anton Inc.’s website, 'links' to other sites are presented. Linked information is offered strictly as a courtesy and convenience.

Googins and Anton Inc. does not endorse, verify or attest to the accuracy or completeness of the content of other websites and accepts no responsibility for their use or content.

The use of any information obtained from outside sites is voluntary, and reliance on them should be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness.

 

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Googins and Anton is an independent investment and wealth management / financial planning and advisor company in greater Madison & Middleton Wisconsin. Our job is to make you money by using more than 30 years of combined experience, listening to your goals, and investing accordingly. We've worked with professionals - doctors, attorneys, professors, CPAs, business owners, and organizations - for over 30 years. Call us for a complimentary discussion.

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