Terms with Category Investments
- Sole Proprietorship — Definition,
- A business owned by an individual where no legal distinction is made between the business and the owner.
- Solvency — Definition,
- To be able to meet one's financial liabilities in the short or long term.
- Spin-Life — Definition,
- A financial industry that specializes in buying life insurance policies from individuals or convincing individuals to take out new life insurance policies with an investor as a beneficiary.
- Split-Funded Annuity — Definition,
- Two annuities purchased together, one with a deferred payout and the other with an immediate payout.
- Stagflation — Definition,
- A time period where the unemployment rate and the rate of inflation are both relatively high.
- Startup Company — Definition,
- A recently founded company that works on new products and services.
- Stock — Definition,
- A share of the ownership of a company.
- Stock Insurance Company — Definition,
- An insurance company with multiple stockholders each owning shares in the corporation.
- Straight Life Annuity — Definition,
- An annuity that stops all payments upon the annuitant's death.
- Stranger Originated Life Insurance (STOLI) — Acronym,
- A life insurance policy purchased by someone without any insurable interests with the insured person.
➥ Illegal in many Canadian provinces. - Subdivide — Definition,
- To split something (like a plot of land) into smaller sections.
- Sublet — Definition,
- An arrangement where a tenant leases property to a subtenant.
- Substandard Health Annuity — Definition,
- An annuity with increased income payments for people with shorter life expectancies due to medical conditions.
- Superannuation — Definition,
- A retirement plan used in Australia.
- Survival Analysis — Definition,
- A statistical analysis of how likely someone or something will survive to a set date.
- Swap — Definition,
- An agreement between two businesses to exchange commodities, payments or other financial products to reduce the risk of volatile market conditions or to obtain a better price or rate. For example, interest rate swaps, where floating rate interest is exchanged for fixed rate interest, protects a corporation against rises in rates or allows it to take advantage of a better rate. A cross-currency swap enables two parties to enter into an agreement in which one exchanges its currency for the other's to meet their separate requirements.
- Takeover — Definition,
- The purchase of a company by another.
- Tax Deferred Annuity (TDA) — Acronym, Important,
- A type of annuity where taxes are deferred until the annuitant decides to withdraw money from the annuity.
➥ More commonly known as a Tax Sheltered Annuity (TSA). - Tax Sheltered Annuity (TSA) — Acronym, Important,
- An arrangement where employees are given the option to make tax-deferred contributions to an annuity set up by their employer.
➥ See also Tax Deferred Annuity (TDA). - Tax-Free Savings Account (TFSA) — Acronym, Canada, Important,
- A savings account for Canadians where income earned is not taxed.
- Tax-sheltered — Definition,
- A savings or investment plan that offers significant tax savings.
- Term — Definition,
- The length of time you commit to repay a lender or bank at an agreed upon interest rate and payment schedule. The interest rate usually remains constant during this term unless the commitment states otherwise. For example, a five year fixed rate mortgage has a term of five years.
- Term Deposit (TD) — Acronym,
- An investment product in which you deposit a fixed sum of money for a set period of time and are paid interest.
- Treasury Bills — Definition,
- Short-term government obligations that are payable to the bearer and sold on a discount basis; the difference between a T-bill's market or discounted price and its face or redemption value is effectively interest if the T-bill is held to maturity.
- Unaffiliated Investments — Definition,
- Investments in assets made by an insurance company where they have no control over the assets.
- Underwriter — Definition,
- An entity that issues and distributes financial products including equity capital, credit, mortgages, and insurance.
- Underwriting (UW) — Acronym, Important,
- The analysis of risk involved in making a mortgage loan to determine whether the risk is acceptable to the lender. Underwriting involves evaluating the property as outlined in the appraisal report, and also evaluating the borrower's ability and willingness to repay the loan.
- Assessing individuals for eligibility and issuing and distributing a financial product such as insurance, equity capital or credit.
- Underwriting Expenses — Definition,
- The expenses accumulated by an insurance company while underwriting a product.
- Underwriting Income — Definition,
- The income earned by an insurer from underwriting in a certain amount of time.
- Underwriting Risk — Definition,
- The total amount of risk an entity takes on from underwriting something.
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Sole Proprietorship -
Subdivide
Subdivide
