Terms with Category Investments
- Bank Spread — Definition,
- The difference between the interest rate a bank charges a borrower and the interest rate a bank pays a depositor.
- Basis — Definition,
- Relating to cost basis, this is the amount assigned to an asset from which a taxpayer determines capital gain or loss. For assets purchased, the basis is the price paid. Special rules apply to assets acquired through gift or inheritance, as well as to the value of stock funds held for a period during which earnings are reinvested.
- That on which a thing rests or is founded.
- Bear Market — Definition,
- When stock prices are decreasing, it's a bear market.
- Beneficiary — Definition,
- An individual or entity chosen to receive benefits from a will, trust, deed or insurance policy.
- Bond — Definition,
- A certificate of debt issued by a government or corporation guaranteeing payment of the original investment plus interest by a specified future date.
- Bond Ladder — Definition,
- A series of bonds with different maturity dates, often times evenly spaced over a set period of time.
- Borrower — Definition,
- A person who borrows money or obtains a loan.
- Broker-Agent — Definition,
- An individual, usually in the employ of an insurance company, that is licensed as both an insurance broker and agent.
- Bull Market — Definition,
- When stock prices are increasing and it's a healthy market, this is known as a bull market.
- Business (busn) — Abbreviation,
- Economic activities of a given type.
- A company, either for-profit or non-profit.
- Commercial, industrial or professional activities undertaken by an entity.
- Business Net Retention — Definition,
- A measure of the gross writings retained by a company for their own account.
- Buyer's Market — Definition,
- When market conditions favour the buyer.
- Call Deposit Account — Definition,
- A bank account that combines some features from both savings and checking accounts.
- Canada Education Savings Grant (CESG) — Acronym, Canada,
- Program recently introduced by the federal government whereby it will invest, in the form of grants, along-side parents who save for their children's education through RESPs. The government will top up contributions made to an RESP by 20% up to a yearly maximum of $400 per beneficiary.
- Canada Pension Plan (CPP) — Acronym, Canada, Important,
- A public pension plan administrated by the Canadian government.
- Canada Savings Bond (CSB) — Acronym, Canada,
- A secure way for Canadians to save. The bonds, which are a form of debt issued by the Canadian government, are cashable, with proper identification, at any time at most Canadian financial institutions.
- Canadian Investor Protection Fund (CIPF) — Company Est. 1969, Canada, Important,
- A Canadian not-for-profit that protects investors from a CIPF members' bankruptcy.
➥ Non-profit organization that provides investor protection for investment dealer bankruptcy. - Capital — Definition,
- Money that is used to make money; for example, to buy rental property or a business.
- Capital Assets — Definition,
- Items that you own for investment or personal purposes, such as stocks, bonds or stamp collections. When you sell a capital asset, depending on the price you earn a capital gain or a capital loss. Gains are taxed at a special rate, and losses can be used in many cases to reduce the amount that is taxed. See also "Capital Gain" or "Capital Loss."
- Capital Expenditure — Definition,
- The cost of making an improvement to a property.
- Capital Gain (CG) — Acronym, Important,
- The profit made by the seller when real estate or other capital assets are sold. Capital gains are taxed more favourably than earned income. However, this can be dependent on your tax bracket and the length of time you owned the asset before it was sold. You could pay approximately one-third to one-half less tax than you would pay on the same amount of earned salary.
- Capital Gain Distribution — Definition,
- When the fund sells some of its assets, you receive capital gain distributions or a portion from the sale. This distribution is regarded as a capital gain, not as ordinary dividends such as the interest gained from a bank account. It is important to separate capital gain distributions from ordinary dividends because capital gains are taxed more favourably.
- Capital Gains Tax (CGT) — Acronym, Canada,
- A tax on profits from the sale of real estate or investments.
- Capital Improvement — Definition,
- Any permanent structure or other asset added to a property that adds to its value.
- Capital Investments — Definition,
- Money used to purchase permanent fixed assets for a business, such as machinery, land or buildings as opposed to day-to-day operating expenses.
- Capital Loss — Definition,
- When an asset is sold for less than what you paid, or less than its adjusted basis, it is a capital loss. However, when it comes to taxes a capital loss is not always bad because you can use it to reduce the amount of income being taxed by the amount of the loss, up to $3,000 per year. If your loss is more significant, the excess (or capital loss carryover) can be carried forward indefinitely until the total loss is used.
- Capitalization — Definition,
- An estimate of the value of a rental or commercial property using the rate of return on investment and the property's annual net operating income.
- Capitalization Rate — Definition,
- An estimated percentage rate of return that a property will produce on the owner's investment.
- Cash Flow — Definition,
- The money an investment produces after subtracting cash expenses from income.
- Cash Flow Forecast — Definition,
- An estimate of when and how much money will be received and paid out of a business. It usually records cash flow on a month-by-month basis for a period of two years.
2.
Bank Spread -
Business Net Retention
Business Net Retention
