Face Value The amount of money an issuer of
bonds and other fixed income securities owes investors at maturity.
Federal Deposit Insurance Corporation (FDIC) A
federally chartered insurer of deposits up to a maximum of $100,000 per
depositor in commercial banks and thrift institutions.
Federal Funds Rate The rate established by the
Federal Reserve for inter-bank lending of short-term funds.
Federal National Mortgage Association (Fannie
Mae) Established in 1938, an independent federal agency that underwrites
the issuance of home mortgages in the U.S.
Fee Only When a financial advisor's only method
of compensation is a fee for his or her services. Fees can be asset-based,
fixed, or hourly.
Fee-Based When a financial advisor will accept
fees or commissions for his or her knowledge and services.
Fiduciary A person who occupies a position of
financial trust with respect to the assets of another person, for example, a
financial advisor. In the financial service industry, fiduciaries are held to
higher ethical standards than non-fiduciaries. Fiduciaries also have greater
accountability for the advice they give investors.
Financial Plan Prepared by a financial planner.
A comprehensive plan that helps people achieve their financial goals. For
example, determine goals, how much they need to save, how much they can afford
to spend, when they can afford to retire, will they run out of money late in
life, etc.
Fiscal Year 12 consecutive months that are used
to report financial results and condition. Fiscal year is in contrast to
calendar year that ends on December 31.
Fixed Fee A flat fee that is charged by a
financial professional for a service. For example, an advisor prepares a
financial plan for $2,000.
Fixed Income Securities Securities that pay
fixed amounts of income. Bonds are the most common form of fixed income
securities.
Folios Investors select combinations of stocks
that are included in a portfolio that they own and manage.
Forecast A prediction for the future that is
based on data and the experience of the forecaster. A high percentage of
forecasts are suspect because certain events, for example the future direction
of interest rates, are not predictable.
Foreign Exchange Rates that are used to convert
one currency into another.
Form 10-K The annual report that public
corporations must file with the Securities and Exchange Commission (SEC) within
90 days of the close of the fiscal year.
Forward Price/Earnings Multiple The current
price of a common share divided by its estimated earnings per share in future
years.
Front End Sales Load Some mutual funds and other
investments charge a sales commission (load) that is deducted from principal at
the time of investment. For example, a $100,000 investment in a fund that has a
5% sales load would invest $95,000 after $5,000 of commissions is deducted.
 
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