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What is Whole Life Insurance?

The function of life insurance is to replace income for dependent family members after your death. There are two common types of life insurance: Term life insurance and whole life insurance. Whole life is permanent insurance and is more expensive than term life because it has a cash value and the death benefit is guaranteed….

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What is Market Capitalization?

Market capitalization (frequently shortened to market cap) represents the value of all of a company’s equity and is calculated by taking the number of shares outstanding and multiplying it by the current share price of a public company. For example, a company that has 10 million shares that sell for $100 each would have a…

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What is an Annuity?

An annuity is an insurance product that pays out a fixed sum of money in specified increments for a predetermined period of time, beginning either immediately or at some point in the future, often with the purpose of providing a steady stream of income during retirement. There are several types of annuities that offer varying…

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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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