A type of annuity contract that delays payments of income, installments or a lump sum until the investor elects to receive them. This type of annuity has two main phases, the savings phase in which you invest money into the account, and the income phase in which the plan is converted into an annuity and payments are received. A deferred annuity can be either variable or fixed. Watch: What Are Deferred Annuities? Earnings on a deferred annuity account are taxed only upon withdrawal, providing the annuity with a tax benefit. This type of annuity also provides a death benefit, so that the beneficiary of the annuity is guaranteed the principal and the investment earnings.For example, an investor may choose to defer annuity payments until she retires.
An account that postpones tax liabilities until a later date. Deferred accounts are usually retirement accounts With a retirement account that is deferred, you don't pay tax on the contributions until you pull them out of the account.
The lowest and highest prices at which a stock has traded in the previous 52 weeks. The 52-week range is provided in a stock's quote summary along with information such as today's change and year-to-date change. Companies that have been trading for less than a year will still show a 52-week range even though there isn't data for the full range. Taobiz explains 52-Week Range Technical analysts compare a stock's current trading price to its 52-week range to get a broad sense of how the stock is doing, as well as how much the stock's price has fluctuated. This information may indicate the potential future range of the stock and how volatile the shares are.
An individual retirement plan in which employees can have all or a portion of contributions to a 401(k) or 403(b) placed into a separate Roth retirement account. Contributions made to a designated Roth account are considered to be to a separate account within the 401(k) or 403(b) plan, and contributions, gains and losses are accounted for separately from regular 401(k) or 403(b) contributions. Employers can make matching contributions to the designated Roth account, just as they can to 401(k) or 403(b) accounts. Investors can make contributions to both a pre-tax, traditional retirement account and a designated Roth account during the same tax year, but the total contributions are subject to an annual contribution limit.
A type of mountain range option that offers a specific coupon payout in addition to the features of a vanilla option. Altiplano options are a type of basket option, in that there is more than one underlying security. As such, the pricing is determined not only by the implied volatility of each security, but also by the correlations between them. If none of the securities in the Altiplano basket outperforms a specified benchmark rate of return during the life of the option, then the option payout is just the specified coupon. But if any one of the underlying passes the benchmark, then the option converts to a vanilla call option on each of the underlying securities or assets. Taobiz explains Altiplano Option Typically, stocks are the underlying securities, and only certain stocks have appeared in the most prevalent altiplano issues. These options are created for, and traded by, institutional investors such as banks and hedge funds. Their pricing formulas involve complex Monte Carlo simulations or other simulation techniques that require setting up a set of correlations between the strike price of each underlying security. Because Altiplano options include a guaranteed payout if certain negative events occur, they may be more expensive than an aggregate of vanilla options on the same set of underlying stocks.
An acronym standing for the "CUSIP International Numbering System," which provides identification of international securities. |||The CINS numbering system is an extension of the CUSIP numbering system and follows a 9-character format similar to CUSIP. CINS can therefore be used as a bridge to ISIN, as well as other national security identification numbers.
The person who determines how long the retirement plan will survive as a tax-deferred vehicle under the laws governing certain retirement plans. The designated beneficiary must be a person, or in certain situations, a trust for designated individuals. Since 2002, the laws governing the distribution of qualified retirement plan assets have become extremely complex. A designated beneficiary must be a person, not an estate and not a charity, although there are also other less tax-efficient ways of making distributions to entities.
The impact on markets from the news that a change will occur at some future date. It can be used as a general term for the reaction to any development that affects trading, such as a change in dividend policy or a stock split. It is most often used, however, to describe investor reactions to changes in monetary policy, such as a hike or cut in a key interest rate level. Also known as a "signal effect." Taobiz explains Announcement Effect Stock traders eagerly await the announcement of changes in Federal Reserve policy, and stock volumes are notably higher on so-called Fed days; depending on the investment environment, volatility may be substantially heightened as well. Researchers have also found that trading on the day preceding announcements of Fed policy is relatively calm.
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