Investments

Question 1

What is Pension Fund? And why do we need it?

Answer 1

( пенисионный фонд, капитал ) Пенсионный фонд — фонд, предназначенный для осуществления выплат пенсий по старости или по инвалидности

Question 2

What are stocks?

Answer 2

Aкции

Question 3

What are bonds?

Answer 3

Облигации

Question 4

What is fees?

Answer 4

Cборы ( Взносы)

Question 5

What is charges?

Answer 5

Рассходы

Question 6

Who is financial advisor?

Answer 6

Финансовый консультант

Question 7

What is annuity?

Answer 7

Аннуитет – это одинаковый по сумме ежемесячный платеж.

Question 8

What is pension pot?

Answer 8

Your pension pot is the total amount of pension contributions you and/or your employer have made to save for your retirement.

Question 9

What is an annuity rate?

Answer 9

An annuity rate is the percentage by which an annuity will grow each year.

Question 10

What is cash lump sum?

Answer 10

единовременная денежная выплата

You could close your pension pot and take the whole amount as cash in one go if you wish – this is called a lump sum

Question 11

What is fund provider?

Answer 11

Fund Provider means the manager or distributor of a Fund;

Question 12

What is Annual Management Charge?

Answer 12

An Annual Management Charge is a yearly charge / fee a person has to pay to someone usually for management of an investment or pension fund. This charge is based on the value of a person’s fund.

Question 13

What is Mutual fund?

Answer 13

(взаимный фонд) A mutual fund is a company that pools money from many investors and invests the money in securities such as stocks, bonds, and short-term debt.

Question 14

What is portfolio?

Answer 14

The combined holdings of the mutual fund are known as its portfolio

This is a combination of all your investition to fund ( 20 % to one, 30 % to another, 50 % to the third )

Question 15

What is ISIN ( International Security Identification number) ?

Answer 15

An International Securities Identification Number (ISIN) is a code that uniquely identifies a specific securities issue

Uniq id of fund which is common between platform and fund provider.

Question 16

What is Fund set?

Answer 16

(SMART TERM) Is a way to group fund together that can be available for the specif company in the future.

Question 17

What is available fund?

Answer 17

(SMART TERM) It’s a fund which a only availbale for spefic fund set

Question 18

What is pension lifestyling?

Answer 18

Lifestyling is an investment strategy which provides automatic switching of your pension savings into another fund, or funds which generally have a lower risk profile or aligns your pension savings more closely to your plans for using these, as you get closer to your planned retirement age.

Question 19

What’s a glidepath (fund strategy)?

Answer 19

(скольжение). A ‘glidepath’ describes a mechanism by which investment profiles automatically move a member’s pension pot into more secure investments as they get closer to their selected retirement age.

Question 20

What is Target-Date Fund?

Answer 20

A target-date fund is a fund is a class of mutual funds that rebalances asset class weights over time so that it begins heavier to stocks when you are younger and heavier to bonds as you age

Question 21

What is drawdown pension?

Answer 21

Income drawdown is a way of getting pension income when you retire while allowing your pension fund to keep on growing. Instead of using all the money in your pension fund to buy an annuity, you leave your money invested and take a regular income direct from the fund.