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3. Bear Market: A “bad” market, when the prices of stocks and other securities fall 20% or more 4. Blockchain: A shared, decentralized ledger of transactions that makes it possible to track assets like cryptocurrency 5. Bull Market: A “good” market, when the prices of stocks and other securities rise 20% or more 6. Cryptocurrency: Digital currency that is not backed by a government or bank 7. Dividend: A portion of company profits regularly paid out to shareholders 8. ESG Investing: Environmental, Social, and Governance Investing, a framework investors use to evaluate how eco-friendly, socially responsible, and well-run potential investments are 9. Fannie and Freddie: Fannie Mae and Freddie Mac, the U.S. government-created home mortgage investment companies 10. Fixed Income: Investments that pay a guaranteed return, like government and corporate bonds 11. Liquidity: How easy it is to convert an asset like a home, car, or bank account into cash 12. Venture Capital: Money or expertise loaned to a start-up company or entrepreneur to fund their business Still have questions or want to learn about a term not on this list? Check out Investopedia’s Financial Term Dictionary by visiting Investopedia.com and clicking “Dictionary” at the bottom of the page.
STARTING WITH THESE MUST- KNOW TERMS
The world is changing rapidly — and that includes how people spend, save, and invest money. If you’re not a professional in the financial industry, the pace of these changes can seem daunting. One day, cryptocurrency is all the rage and the “smartest” investment around. The next, crypto entrepreneur Sam Bankman-Fried is buried in lawsuits, and banks are collapsing! It’s a crazy world out there, but you can start demystifying it by learning core business and financial terms. Brushing up on these buzzwords will help you develop your financial skills, make it easier to understand the news, and give you more confidence when making money decisions and talking to financial advisors. Here are several finance jargon terms everyone should know beyond the basics. 1. Adjusted Gross Income: Your annual income minus your tax deductions 2. Annual Percentage Rate (APR): The amount banks charge you for your loan (or you earn from an investment) each year
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