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Financial Markets, the US Security and Exchange Commission, and the Academy of Finance
- 1. The SEC and NAF Kathy Floyd Office of Investor Education and Advocacy NAF Institute July 18, 2011
Hinweis der Redaktion
- GAO Report – October 28, 2009 GAO-10-153T 401K Plans
- GAO Report – October 28, 2009 GAO-10-153T 401K Plans
- “ Risk Tolerance” the degree of uncertainty that an investor can handle in regard to a negative change in the value of his/her portfolio. Varies with age, income requirements and financial goals. Conservative – cash or high-quality short and medium term bonds Moderately Conservative Moderate – will hold a balanced mix of most major asset classes, diversification Moderately Aggressive – Mostly in stocks Aggressive – growth and small cap stocks Time Horizon - Your time horizon is the expected number of months, years, or decades you will be investing to achieve a particular financial goal. An investor with a longer time horizon may feel more comfortable taking on a riskier, or more volatile, investment because he or she can wait out slow economic cycles and the inevitable ups and downs of our markets. By contrast, an investor saving up for a teenager's college education would likely take on less risk because he or she has a shorter time horizon. Risk Tolerance - Risk tolerance is your ability and willingness to lose some or all of your original investment in exchange for greater potential returns. An aggressive investor, or one with a high-risk tolerance, is more likely to risk losing money in order to get better results. A conservative investor, or one with a low-risk tolerance, tends to favor investments that will preserve his or her original investment. Growth stocks are stocks belonging to companies that have shown high increase in earnings over a specific period of time. It is hoped it will continue to grow, leading to good investor returns. High returns = high risks. Blue chip stocks are the stock of a well-established company having stable earnings and no extensive liabilities. Blue chip stocks pay regular dividends, even during down markets.
- “ Risk Tolerance” the degree of uncertainty that an investor can handle in regard to a negative change in the value of his/her portfolio. Varies with age, income requirements and financial goals. Conservative – cash or high-quality short and medium term bonds Moderately Conservative Moderate – will hold a balanced mix of most major asset classes, diversification Moderately Aggressive – Mostly in stocks Aggressive – growth and small cap stocks Time Horizon - Your time horizon is the expected number of months, years, or decades you will be investing to achieve a particular financial goal. An investor with a longer time horizon may feel more comfortable taking on a riskier, or more volatile, investment because he or she can wait out slow economic cycles and the inevitable ups and downs of our markets. By contrast, an investor saving up for a teenager's college education would likely take on less risk because he or she has a shorter time horizon. Risk Tolerance - Risk tolerance is your ability and willingness to lose some or all of your original investment in exchange for greater potential returns. An aggressive investor, or one with a high-risk tolerance, is more likely to risk losing money in order to get better results. A conservative investor, or one with a low-risk tolerance, tends to favor investments that will preserve his or her original investment. Growth stocks are stocks belonging to companies that have shown high increase in earnings over a specific period of time. It is hoped it will continue to grow, leading to good investor returns. High returns = high risks. Blue chip stocks are the stock of a well-established company having stable earnings and no extensive liabilities. Blue chip stocks pay regular dividends, even during down markets.
- GAO Report – October 28, 2009 GAO-10-153T 401K Plans
- Did you know? - For the most part, investment advisers who manage $100 million or more in client assets must register with the SEC. If they manage less than $100 million, they must register with the state securities agency in the state where they have their principal place of business.
- Form 10-K, 10-Q and 8-K The federal securities laws require publicly traded companies to disclose information on an ongoing basis. For example, domestic issuers (other than small business issuers) must submit annual reports on Form 10-K, quarterly reports on Form 10-Q, and current reports on Form 8-K for a number of specified events and must comply with a variety of other disclosure requirements. Forms 3, 4, 5 Corporate insiders-meaning a company's officers and directors, and any beneficial owners of more than ten percent of a class of the company's equity securities registered under Section 12 of the Securities Exchange Act of 1934-must file with the SEC a statement of ownership regarding those securities. Proxy Statement The SEC requires that shareholders of a company whose securities are registered under Section 12 of the Securities Exchange Act of 1934 receive a proxy statement prior to a shareholder meeting, whether an annual or special meeting. The information contained in the statement must be filed with the SEC before soliciting a shareholder vote on the election of directors and the approval of other corporate action. Solicitations, whether by management or shareholders, must disclose all important facts about the issues on which shareholders are asked to vote.