An unsolicited application is a request for life insurance coverage that is made by an individual rather than an insurance agent or broker.| Investopedia
Discover the underwriting process, its types, how it helps manage financial risk for loans, insurance, securities, and its role in fair pricing and informed investment.| Investopedia
An underwriter syndicate is a temporary group of investment banks and broker-dealers who come together to sell offerings of equity or debt securities.| Investopedia
Discover how shares and stocks differ, what they represent in corporate ownership, and their benefits. Learn how companies issue them and their role in market capitalization.| Investopedia
Roy's Safety-First Criterion (SFRatio) is an investment formula that calculates how likely a given portfolio is to provide the minimum expected returns.| Investopedia
Risk takes on many forms but is broadly categorized as the chance an outcome or investment's actual return will differ from the expected outcome or return.| Investopedia
The purchase price is what an investor pays for a security. It is the main component in calculating the returns achieved by the investor.| Investopedia
Learn how local governments raise money for public facilities by using municipal bonds.| Investopedia
Discover how investment banks operate, their essential roles in IPOs and mergers, and notable examples like JPMorgan and Goldman Sachs. Learn from expert insights.| Investopedia
An insurance underwriter is a professional who evaluates the risks involved when insuring people or assets and establishes the pricing.| Investopedia
A distribution network is a company's interconnected group of storage facilities and transportation systems that move physical goods to customers.| Investopedia
Discover what a book runner is—the key underwriter in issuing new securities—and compare its duties to other underwriting roles like lead managers and syndicate members.| Investopedia
Learn about the education, training, and certification required to become an insurance underwriter—as well as the important qualities that the position demands.| Investopedia
Volatility measures how much the price of a stock, derivative, or index fluctuates. The higher the volatility, the greater the potential risk of loss for investors.| Investopedia
Learn what time value is in options trading, its role as a component of extrinsic value, and how to calculate it for better investment decisions.| Investopedia
The stock market is a network of sophisticated exchanges and other venues where institutional and individual investors trade shares of publicly traded companies.| Investopedia
Discover how risk premiums offer higher returns for taking on investment risks, and learn how they are calculated and applied in real-world investing scenarios.| Investopedia
A risk-free asset is an asset which has a certain future return such as Treasurys (especially T-bills) because they are backed by the U.S. government.| Investopedia
Discover how risk profiles can inform investment and debt strategies for individuals, and aid in managing the internal and external business threats that companies face.| Investopedia
Discover what the risk-free rate of return is, how it influences investments, and if a truly risk-free return exists. Explore its role in financial modeling.| Investopedia
A return is the profit or loss derived from investing or saving. Find out how it affects your bottom line.| Investopedia
A premium bond is a bond trading above its face value or in other words; it costs more than the face amount on the bond. Several factors play into if a bond pricing at a premium or a discount on the secondary market.| Investopedia
Learn what equity risk premium is, its significance, and how to calculate it for informed investment decisions. Gain insights into returns over risk-free rates.| Investopedia
Economic profit (or loss) is the difference between the revenue received from the sale of an output and the costs of all inputs, including opportunity costs.| Investopedia
In finance, a discount refers to a situation when a bond is trading for lower than its par or face value. These include pure discount instruments.| Investopedia
The coupon rate is the yield paid by a fixed-income security, calculated by dividing the total value of coupon payments by the face value of the bond.| Investopedia
Auto insurance is purchased by vehicle owners to mitigate costs associated with getting into an auto accident. Discover more about it here.| Investopedia
At a premium is a phrase attached to a variety of situations where a current value or transactional value of an asset is above its fundamental value.| Investopedia
A tax deduction reduces your taxable income and how much tax you owe. You can itemize your deductions or take a fixed amount with the standard deduction.| Investopedia
Schedule A (Form 1040 or 1040-SR) is an IRS form for U.S. taxpayers who choose to itemize their tax-deductible expenses rather than take the standard deduction.| Investopedia
A nursing home resident trust fund is an account that is held on behalf of residents and is used to help them cover extra expenses.| Investopedia
Learn what a copay is in health insurance: a fixed fee for services like doctor visits, tests, or prescriptions. Understand how copays work with your insurance plan.| Investopedia
Discover what Adjusted Gross Income (AGI) means, how it's calculated, and its role in determining your taxable income and eligibility for deductions.| Investopedia
Form 1040 is the standard U.S. individual tax return form that taxpayers use to file their annual income tax returns with the IRS.| Investopedia
S&P Global, formerly Standard & Poor's, is best known as a source of credit ratings for businesses and for its benchmark financial indices, including the S&P 500 Index.| Investopedia
Revenue is commonly referred to as the top line in a company's daily activities because it does not include expenses.| Investopedia
Discover how the NAICS streamlines North American business classifications, enhancing statistical comparisons across industries in the U.S., Canada, and Mexico.| Investopedia
MSCI is an investment research firm that provides indexes, portfolio risk and performance analytics, and governance tools to institutional investors.| Investopedia
Discover what market sentiment is and explore key indicators like VIX and moving averages, plus real-world examples to understand investor mood shifts.| Investopedia
A macroeconomic factor is an economic, environmental, or geopolitical event that broadly affects a regional or national economy.| Investopedia
Any person who commits capital with the expectation of financial returns is an investor. Common investment vehicles include stocks, bonds, commodities, and mutual funds.| Investopedia
An economist is an expert who studies the relationship between a society's resources and its production or output, using a number of indicators to predict future trends.| Investopedia
A business is an individual or group engaged in financial transactions. Read about types of businesses, how to start a business, and how to get a business loan.| Investopedia
Business activities are activities that a business engages in for profit-making purposes, such as operations, investing, and financing activities.| Investopedia
Discover what transaction costs are, their impact on investments, and learn strategies to minimize them. Explore definitions, examples, and how they affect financial decisions.| Investopedia
Research and development (R&D) is a term that's used to describe the effort a company devotes to the innovation and improvement of its products and processes.| Investopedia
The Food and Drug Administration is a government agency that regulates certain food, drugs, cosmetics, and medical products.| Investopedia
Inelastic demand is a term used to describe the unchanging quantity of a good or service when its price changes.| Investopedia
Barriers to entry are the costs or other obstacles that prevent new competitors from easily entering an industry or area of business.| Investopedia
ETFs are baskets of stocks or bonds that trade like regular stocks, which are usually passively managed, meaning they seek only to match the underlying benchmark index. Browse Investopedia’s expert-written library to learn more.| Investopedia
Gross domestic product is one of the primary indicators used to gauge the health of a country's economy. But what does it actually measure?| Investopedia
A small and midsize enterprise is a business that maintains revenues, assets, or a number of employees below a certain threshold.| Investopedia
Middle class is a socioeconomic category of people who fall into the median range of income for the geographic area in which they live.| Investopedia
The Health Insurance Marketplace was established under Affordable Care Act (ACA) and offers plans to individuals, families, and small businesses.| Investopedia
The TCJA made some radical changes to the taxes you'll file from 2018 through 2025. Everything from deductions and credits to rates and investments have been affected.| Investopedia
The GOP's recently passed budget bill means significant changes for ACA policyholders, including stricter enrollment requirements, restricted subsidies, and more.| Investopedia
Signed into law on Aug. 16, 2022, it lowers prescription drug and energy costs and levies a 15% minimum tax on some corporations.| Investopedia
President Joseph R. Biden enacted the American Rescue Plan Act of 2021 to help the COVID-19 recovery.| Investopedia
Micromarketing is an approach to advertising that tends to target a specific group of people in a niche market. With micromarketing, products or services are marketed directly to a targeted group of customers.| Investopedia
Learn how Cost Per Click (CPC) works, how it's calculated, and explore its alternatives in online advertising. Discover strategies to optimize your CPC campaigns.| Investopedia
Learn how Click-Through Rate (CTR) measures ad success. Explore its definition, formula, and significance for digital marketing effectiveness.| Investopedia
If you’re not paying for the product, the product is you. That's a truism that's especially suited for social media and its foundation for generating revenue.| Investopedia
The Internet of Things (IoT) is a name for the aggregate collection of network-enabled devices, excluding traditional computers like laptops and servers.| Investopedia
A conference call is a meeting where participants connect via audio, video, or web to a conference room using an access number.| Investopedia
Broadband refers to various high-capacity technologies that transmit data, voice, and video across long distances and at high speeds.| Investopedia
Technology isn't just for young people anymore. Here's how smart and wearable devices are helping older adults stay healthy, happy, and connected in retirement.| Investopedia
Learn how travel insurance protects against trip cancellations, baggage loss, medical emergencies, and more, ensuring peace of mind during your journeys.| Investopedia
Debtor-in-possession (DIP) financing is a special kind of financing meant for companies that are in bankruptcy.| Investopedia
A vendor is a party in the supply chain that makes goods and services available to companies or consumers.| Investopedia
Discover how raw materials drive manufacturing, their role in accounting, and the differences between direct and indirect use in production.| Investopedia
A product recall involves removing harmful, defective, or poor quality consumer products from the market.| Investopedia
Logistics is the overall process of managing the way resources are obtained, stored, and moved to the locations where they are required. Learn more about how it works.| Investopedia
Discover how reducing lead time boosts productivity and revenue. Learn its types, calculations, and effects on manufacturing and supply chain efficiency.| Investopedia
Inventory is the term for merchandise or raw materials that a company has on hand.| Investopedia
Distributions are payments that derive from a designated account, such as income generated from a pension, retirement account, or trust fund.| Investopedia
Distribution management oversees the supply chain and movement of goods from suppliers to end customer.| Investopedia
Big data refers to large, diverse sets of information from multiple sources that can provide strategic information for companies.| Investopedia
Learn what Modified Adjusted Gross Income (MAGI) is, how to calculate it, and why it matters—from Roth IRAs to Premium Tax Credits, Medicaid, and IRMAA surcharges.| Investopedia
Discover how Social Security works, including retirement, survivor, and disability benefits. Learn qualification criteria and factors affecting your benefits.| Investopedia
Retirement is the time of life when you leave the workforce behind.| Investopedia
A financial portfolio is a collection of investments and holdings like stocks, bonds, mutual funds, commodities, crypto, cash, and cash equivalents.| Investopedia
Options are a type of financial instrument that grant their buyers the right, but not the obligation, to buy or sell an underlying asset at a specified strike price.| Investopedia
In an IPO, or public offering, shares of a private company are made available to the public for the first time. An IPO allows a company to raise equity capital from public investors.| Investopedia
Capital appreciation is a rise in the value of any asset, such as a stock, bond or piece of real estate.| Investopedia
An asset class contains investments that exhibit similar characteristics and respond similarly to market conditions. Different asset classes help with diversification.| Investopedia
An aggressive investment strategy is a means of portfolio management that attempts to maximize returns by taking a relatively higher degree of risk.| Investopedia
How Sammy Azzouz, Wealth Manager and President and CEO of Heritage Financial Services, talks to his new clients about risk tolerance.| Investopedia
Emerging markets refer to developing markets and economies. Browse Investopedia’s expert-written library for more about the basics of emerging markets and investing in them.| Investopedia
Some of the most potentially rewarding investments are also the riskiest. Here's a look at eight of them that, when paired with research and smart planning, might just be worth the risk.| Investopedia
Want to keep clients longer? Bolster your risk assessment capabilities.| Investopedia
Long-term debt is debt with maturities greater than 12 months. Values of long-term debts are more sensitive to interest rate changes.| Investopedia
Learn the best method for calculating depreciation for tax reporting purposes according to generally accepted accounting principles, or GAAP.| Investopedia
The time value of money (TVM) assumes the present value of money will grow through investment.| Investopedia
Socially responsible investing looks for investments that are considered socially conscious because of the nature of the business the company does.| Investopedia
Net present value (NPV) is the difference between the present value of cash inflows and the present value of cash outflows over a period of time.| Investopedia
The internal rate of return (IRR) is a metric used in capital budgeting to estimate the return of potential investments. Here is the formula for calculating it.| Investopedia
Find out how investors and companies are calculating the social return on investment, which evaluates both the financial and social impact of activities.| Investopedia
Venture capital is money, technical, or managerial expertise provided by investors to startup firms with long-term growth potential.| Investopedia
Online banking lets you manage your money from anywhere—check balances, pay bills, transfer funds, all via desktop or mobile. Learn its benefits and how to stay secure.| Investopedia
Diseconomies of scale occur when a business’s cost per unit increases instead of decreasing as it expands production.| Investopedia