Any-Occupation Policy

What is an ‘Any-Occupation Policy’ An any-occupation policy is a type of disability insurance which categorizes the kind of work for coverage purposes. Any-occupations coverage provides for when the insured is unable to work in a job that is reasonably suitable for them based on their education, experience, and age.  An any-occupation policy terminology, as … Read more

Typical Debt/Equity Ratios for the Real Estate Sector

The real estate sector comprises different groups of companies that own, develop and operate properties, such as residential land, buildings, industrial property and offices. Since real estate companies usually buy out the entire property, such transactions require large upfront investments, which are quite often funded with a large quantity of debt. One metric that investors … Read more

Garage Liability Insurance

What is ‘Garage Liability Insurance’ Garage liability insurance is specialty insurance targeted to the automotive industry.  Automobile dealerships, parking lots or parking garages operators, tow-truck operators, service stations, and customization and repair shops will add garage liability insurance to their business liability coverage. The policy protects property damage and bodily injury resulting from operations. This insurance is not … Read more

Pipeline Theory

DEFINITION of ‘Pipeline Theory’ Pipeline theory is the idea that an investment firm that passes all returns on to clients should not be taxed like regular companies. Pipeline theory includes capital gains, interest and dividends as returns that should be considered. Also referred to as “conduit theory.” BREAKING DOWN ‘Pipeline Theory’ Most mutual funds qualify … Read more

Focus List

DEFINITION of ‘Focus List’ A focus list is a list of recommended stocks published by an investment firm’s research department. Focus lists generally consist of a small number of stocks that the firm believes are the most attractive opportunities at the time. BREAKING DOWN ‘Focus List’ A focus list is a virtual portfolio that research … Read more

Fund Overlap

DEFINITION of ‘Fund Overlap’ Fund overlap is a situation where an investor invests in several mutual funds with overlapping positions. Fund overlap can be caused by owning several mutual funds or exchange-traded funds (ETFs). Fund overlap reduces the benefits of diversification for the investor. BREAKING DOWN ‘Fund Overlap’ While small amounts of overlap are to … Read more

VTIVX: Overview of Vanguard Target Retirement 2045 Fund

The Vanguard Target Retirement 2045 Fund (“VTIVX”) is one of The Vanguard Group’s well-known series of life-cycle funds, also known as target-date funds. Each of these funds targets a specific segment of the mutual fund investor market based on retirement windows. This fund should grow with the typical investor’s need to start with an equity … Read more

What Forex Strategies Use Fibonacci Retracements?

A: Forex traders use Fibonacci retracements to pinpoint where to place orders for market entry, taking profits and stop-loss orders. Fibonacci levels are commonly used in forex trading to identify and trade off of support and resistance levels. After a significant price movement up or down, the new support and resistance levels are often at or near these … Read more