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Real Estate Investment Trust (REIT)

Real estate investment trusts (“REITs”) allow individuals to invest in large-scale, income-producing real estate. A REIT is a company that owns and typically operates income-producing real estate or…

Real Return

Real return is what is earned on an investment after accounting for taxes and inflation. Real returns are lower than nominal returns, which do not subtract taxes and inflation.

Rebalancing

Rebalancing brings a portfolio back to its original asset allocation mix. This is necessary because over time, some investments will grow faster than others, and holdings may become out of…

Recovering Funds

Investors who are victims of securities law violations may be eligible to receive money recovered from fraudsters. Sometimes a successful SEC enforcement action results in recovered funds being…

Redemption Fee

A shareholder fee that some funds charge when investors redeem (sell) mutual fund shares. Redemption fees, which must be paid to the fund, are not the same as and may be in addition to a back-end…

Registered Owner

A registered owner or record holder holds stocks directly with the company, rather than in "street name." Registration Statement -- By law, public companies in the U.S. must disclose important…

Registration Statement

A registration statement is a filing with the SEC making required disclosures in connection with the registration of a security, a…

Registration Under the Securities Act of 1933

The Securities Act of 1933 has two basic objectives: To require that investors receive financial and other significant information concerning securities being offered for public sale; and To…

Regulation A

Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption.  …

Regulation Crowdfunding

Crowdfunding refers to a financing method in which money is raised through soliciting relatively small individual investments or contributions from a large number of people.    If a company would…

Regulation D Offerings

Under the federal securities laws, any offer or sale of a security must either be registered with the SEC or meet an exemption. …

Relationship Summary

Form CRS is a client or customer relationship summary. Advisers and brokers are required to deliver a relationship summary to you beginning in summer 2020. The relationship summary contains important…

Restricted Securities

Restricted securities are securities acquired in an unregistered, private sale from the issuing company or from an affiliate of the issuer. They typically bear a “restrictive” legend clearly stating…

Revenue

The total amount of money, or gross income, generated by a company from selling its goods and services. A simple way to think about revenue is it’s the price of a widget multiplied by the number of…

Revenue Bond

A municipal bond not backed by the government's taxing power but by revenues from a specific project or source, such as highway tolls or lease fees.

Reverse Stock Splits

When a company completes a reverse stock split, each outstanding share of the company is converted into a fraction of a share.  For example, if a company declares a one for ten reverse stock split,…

Risk

In finance, risk refers to the degree of uncertainty about the rate of return on an asset and the potential harm that could arise when financial returns are not what the investor expected. In…

Risk Tolerance

An investor's ability and willingness to lose some or all of an investment in exchange for greater potential returns.

Robo-Adviser

The term “robo-adviser” generally refers to an automated digital investment advisory program.  In most cases, the robo-adviser collects information regarding your financial goals, investment horizon…

Roth 401(k) Plan

An employer-sponsored Roth 401(k) plan is similar to a traditional plan with one major exception. Contributions by employees are not tax deferred but are made with after-tax dollars. Income earned…

Rulemaking, How It Works

Rulemaking is the process that federal agencies use to make rules. Some rulemaking implements laws passed by Congress and signed by the President. Other rulemaking updates rules under existing laws…