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Blog Posts
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19
Sep 2011
By Art Dinkin

Translating Finglish

What is Finglish? It is a slang term for Financial English. Financial speak is not well understood which is a shame, since most of us really need to understand money. Take a look at this short video taken in Chicago two months ago.

NWNE Heard On The Street from Center for Retirement Research on Vimeo.

DV Financial’s mission is about your comfort and understanding of your money. If you need to understand Finglish, let us know. We will be happy to translate it to conversational English for you.

And just so you know, here are some correct translations from the video:

Dollar Cost Averaging – Investing the same dollar amount into the same investment on a regular basis regardless of the investment’s current price. When the price is high, your money buys fewer shares. When the price is low, your money buys more shares. The advantage is the average cost of your shares will always be less than the average price of the shares, although even this does not guarantee safety.

Transparent Fees – Let’s face it. No one works for free. The concept of transparent fees says that you should be able to know, specifically, how much you are paying and who you are paying it to.

Large Cap Value – There are two concepts which make up this term. The first is Cap size, or capitalization of a stock. To calculate the cap size you multiply the price per share of stock by the total numbers of shares of stock. In other words, what is all the stock in this company worth? While there is no absolute definition of Large, Medium, or Small Cap. Large Cap companies generally refer to companies worth more than $5 billion. The second component of this term, Value, refers to how the stock is expected to grow over time. When buying a Growth stock, the intention is that the company will grow and develop over time, thus making the stock price grow as well. A Value stock is one that is currently selling for less than it is worth and thus represents a value. Almost like buying something on sale. Putting all of that together, Large Cap Value refers to a company worth more than $5 billion whose stock price is currently lower than the investor thinks it is worth.

Bottom Up Analysis – refers to selecting stocks to invest in by starting with the merits or faults of a company itself and considering all the external factors secondary. This is as opposed to Top Down Analysis, where stocks are selected by first analyzing macro-economic conditions, then selecting industries or other demographic factors, and selecting individual investments from those that remain.

Open Architecture – No investment program can include every possible investment option. The more open a program is, the more diverse (and possibly distracting) the potential investments can be.

Beta – Is a statistical measurement of risk. An investment with a Beta of 1.00 is a risk which is supposed to be exactly equal to the reference market. A Beta of less than 1.00 is less risky than the reference market and vice versa.

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