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What is an Expense Ratio?

An expense ratio is the fee that mutual funds and exchange traded funds (ETFs) charge investors to offset the cost to run the fund. These operating expenses are expressed as a percentage of the fund’s assets under management (AUM). For example, a mutual fund might have a 1.25% expense ratio. The majority of the expense…

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What is Nasdaq?

Nasdaq is an electronic trading market for buying and selling securities that began operations in 1971. This was almost 200 years after the New York Stock Exchange was established in 1792. It was originally created by the National Association of Securities Dealers (NASD), but dissolved that relationship in 2006 and merged with Scandinavian exchange OMX…

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What is Dollar Cost Averaging?

Dollar cost averaging is the process of investing a fixed amount of money on a regular basis. With dollar cost averaging, you are repeatedly buying shares of an investment regardless of whether the price is up or down, thereby “averaging” the cost you pay overall. Dollar cost averaging helps you stick to your long-term investment…

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What is Diversification?

The goal of diversification is to lower the risk and improve your returns in your overall portfolio by investing in different types of assets that are more likely to have different risk and return profiles. Simply owning many stocks or mutual funds will not necessarily achieve diversification. To be diversified, the key is to select…

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