Remaining net interest payments from the underlying assets of an asset-backed security, after all payables and expenses are covered. Taobiz explains Excess Spread The excess spread can be deposited into a reserve account in order to enhance the credit of the asset-backed security, or it can be paid out to investors.
Returns in excess of the risk-free rate or in excess of a market measure, such as an index fund. Taobiz explains Excess Returns In other words, when you have excess returns you are making more money than if you put your money into an index fund like the Dow Jones Industrial Average (DJIA).
Capital reserves held by a bank or financial institution in excess of what is required by regulators, creditors or internal controls. For commercial banks, excess reserves are measured against standard reserve requirement amounts set by central banking authorities. These required reserve ratios set the minimum liquid deposits (such as cash) that must be in reserve at a bank; more is considered excess. Taobiz explains Excess Reserves Financial firms that carry excess reserves have an extra measure of safety in the event of sudden loan losses or cash withdrawals by customers. This may increase the attractiveness of the company that holds excess reserves to investors, especially in times of economic uncertainty. Boosting the level of excess reserves can also improve an entity's credit rating, as measured by ratings agencies like Standard & Poor's. Reserves need to be in liquid forms of capital such as cash in a vault, which does not create income. Banks will therefore try to minimize their excess reserves by lending the maximun allowable amount to borrowers.
The trading of shares when a warrant has been declared but not distributed. Taobiz explains Ex-Warrant In this case, the distribution would still belong to the seller rather than someone looking to buy the shares.
1. Technology that is considered environmentally friendly based on its production process or supply chain. 2. A means of energy production that is less harmful to the environment than more traditional ways of generating energy, such as burning fossil fuels. Green technology is a relatively young marketplace but investor interest runs very high in response to global warming fears and the increasing scarcity of many natural resources. Taobiz explains Green Tech Green tech may be a stated goal of a business segment within a large company, or the focused mission statement of a smaller startup firm. It can cover anything from recycled product packaging to longer-lasting light bulbs and alternative energy production. Specialized investment funds known as "green funds" seek out publicly traded leaders in the green tech movement for their investment dollars. In addition, many socially conscious investors may choose to only invest in companies that are environmentally friendly or have pledged to become so.
Investment activities that focus on companies or projects that are committed to the conservation of natural resources, the production and discovery of alternative energy sources, the implementation of clean air and water projects, and/or other environmentally conscious business practices. Pure play green investments are those that derive all or most of their revenues and profits from green activities. Green investments can also be made in companies that have other lines of business but are focusing on green-based initiatives or product lines. Taobiz explains Green Investing Green investing can be accomplished through individual securities or through pooled investment vehicles such as mutual funds or exchange-traded funds. This style of investing is an offshoot of socially conscious investing, but neither type of investing implies investments that are safer than a market index such as the S&P 500. In fact, investing in "green" companies can be riskier than other equity strategies, as many companies in this arena are in the development stage, with low revenues and high earnings valuations.
Shares in a company whose earnings are expected to grow at an above-average rate relative to the market. Also known as a "glamor stock". Taobiz explains Growth Stock A growth stock usually does not pay a dividend, as the company would prefer to reinvest retained earnings in capital projects. Most technology companies are growth stocks. Note that a growth company's stock is not always classified as growth stock. In fact, a growth company's stock is often overvalued.
A diversified portfolio of stocks that has capital appreciation as its primary goal, with little or no dividend payouts. Portfolio companies would mainly consist of companies with above-average growth in earnings that reinvest their earnings into expansion, acquisitions, and/or research and development. Taobiz explains Growth Fund Most growth funds offer higher potential capital appreciation but usually at above-average risk. Growth funds are more volatile than funds in the value and blend categories. The companies in a growth fund portfolio are in an expansion phase and they are not expected to pay dividends. Investing in growth funds requires a tolerance for risk and a holding period with a time horizon of five to 10 years.
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