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Sales Charge (or Load)

The amount that investors pay when they buy (front-end load) or redeem (back-end load) shares in a mutual fund, similar to a commission. The SEC's rules do not limit sales loads a fund may charge,…

Saving and Investing Apps

“Saving and investing app” may refer to a variety of different mobile applications that use technology to help you save and invest. These apps are often marketed as an easy way to get started saving…

Savings

Income that is not spent on consumption but is put aside.

Savings Bond Calculator

If you own or are considering purchasing a U.S. savings bond, the U.S. Department of Treasury's Bureau of the Fiscal Service has designed a useful tool for determining the present and future value--…

Savings Bonds

Savings bonds are debt securities issued by the U.S. Department of the Treasury to help pay for the U.S. government’s borrowing needs. U.S. savings bonds are considered one of the safest investments…

Say-on-pay Vote

Required by law, most public companies must periodically (at least every three years) provide their shareholders with an advisory vote on the compensation of the most highly compensated executives.…

Schedules 13D and 13G

Schedules 13D and 13G are commonly referred to as a “beneficial ownership reports.” The term "beneficial owner" is defined under SEC rules. It includes any person who directly or indirectly shares…

Secondary Market

Markets where existing securities are bought and sold.

Section 1035

This part of the U.S. tax code allows you to exchange an existing variable annuity contract for a new annuity contract without paying tax on the income and investment gains in your current account…

Securities Act Rule 144

Federal securities laws may deem certain securities as restricted or control securities. Selling restricted or control securities in the marketplace can be a complicated process. Under federal…

Securities Analyst Recommendations

Analyst recommendations can have a significant effect on a company’s stock price, especially when the recommendations are widely disseminated through television appearances or other electronic and…

Securities Investor Protection Corporation (SIPC)

If your brokerage firm goes out of business and is a member of the Securities Investor Protection Corporation (SIPC), then your cash and securities held by the brokerage firm may be protected up to $…

Security

An investment instrument such as a stock or bond.

Senior Bond

A bond that has a higher priority than another bond's claim to the same class of assets in case of a default or bankruptcy. Settlement Date -- The agreed date for the delivery of bonds and payment…

Settling Securities Transactions, T+2

Investors must complete or "settle" their security transactions within two business days. This settlement cycle is known as "T+2," shorthand for "trade date plus two days."  T+2 means that when you…

Shareholder Lists, When You Can Get Them

Although investors sometimes ask the SEC for a list of a company's shareholders, the SEC does not maintain shareholder lists. Under SEC rules, a company must provide shareholders with a process for…

Shareholder Service Fees

Fees paid to respond to inquiries from investors and provide them with information about their investments.

Short Sale Volume and Transaction Data

To increase the transparency surrounding short sale transactions, several self-regulatory organizations (SROs) are providing…

Short Sales

A short sale occurs when you sell stock you do not own. Investors who sell short believe the price of the stock will fall. If the price drops, you can buy the stock at the lower price and make a…

Social Security Retirement Planner

The Social Security Administration has interactive tools to help you calculate what social security benefits you can expect to…

Sources of Municipal Securities Information

Most municipal securities offerings are exempt from the registration provisions of the federal securities laws.  That means municipal issuers do not have to file a registration statement with the SEC…

Spin-Offs

In a "spin-off," a parent company distributes shares of a subsidiary to the parent company's shareholders so that the subsidiary becomes a separate, independent company. The shares are usually…

Standard & Poor's Depositary Receipts (SPDR) Trust

An ETF designed to replicate the performance of the Standard & Poor's 500 Index. Because of its acronym, the SPDR instrument is referred to as a "spider."

State Regulators

In addition to state securities regulators, there are a number of state agencies that may be…

State Securities Regulators

While the SEC regulates and enforces the federal securities laws, each state has its own securities regulator who enforces what are known as …

Statement of Additional Information (SAI)

Conveys information about an open or closed-end fund that some investors find useful. Funds are not required to provide investors with the SAI, but they must provide it for free upon request. Also…

Stock

An instrument that signifies an ownership position (called equity) in a corporation, and a claim on its proportional share in the corporation's assets and profits. Most stocks also provide voting…

Stock Fund

"Stock fund" and "equity fund" describe a type of investment company (…

Stock Market

A general term for the organized trading of stocks through exchanges, over-the-counter, and computerized trading venues.

Stock Quotes

Listings of prices to buy and sell a specific stock. During trading, quotes show bids, the prices buyers are willing to pay, and offers, the prices sellers are willing to accept. Historical data…

Stock Split

An increase in the number of shares of a corporation's stock without a change in the shareholders' equity. Companies often split shares of their stock to make them more affordable to investors.…

Stop Order

A stop order is an order to buy or sell a stock once the price of the stock reaches a specified price, known as the stop price. When the specified price is reached, your stop order becomes a market…

Surrender Charge

A type of sales charge that applies if you withdraw money from a variable annuity within a certain period of time, usually six to ten years. This is known as the surrender period. The charge…