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Found 149 Articles for Economics and Finance

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Introduction Fed hike refers to the Federal Reserve's decision to increase interest rates, which can significantly affect the economy and financial markets. This tutorial overviews the Fed hike and its impact on inflation and financial products. The Federal Reserve's decision to raise interest rates can significantly impact the economy, affecting everything from borrowing costs to consumer spending. Many individuals and businesses wonder how the recent announcement of a possible interest rate increase will affect their financial plans and objectives. Define Fed Hike An increase in the benchmark interest rate set by the Federal Reserve is referred to as a ... Read More

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Introduction Equity Dilution impacts the ownership stake in a company. Learn Are you a founder or an investor concerned about the impact of equity dilution on your ownership stake? You're not alone. Equity dilution is a critical issue affecting the total value of shares of the company. Initially, the owners of the company hold full control and ownership in the business. But when they go for raising funds or issuing stocks, the total stake decreases, resulting dilution of the ownership value in the company. This is not a good sign for any company, as the equity holdings, voting ... Read More

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Introduction Buying stocks is an excellent way to accumulate wealth and generate passive income. When you invest in a company, you become a shareholder and have a stake in its profits. These earnings are frequently paid to shareholders as dividends. Unfortunately, there are times when businesses cannot pay dividends to their shareholders, resulting in dividend arrears. Dividends in Arrears: Explained Dividends are a way for organizations to distribute earnings to their shareholders. When a firm announces a dividend, it saves a portion of its income to pay to shareholders. But, sometimes, firms may find themselves in a ... Read More

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Introduction Managing assets requires professional experience and legal advice. Discretionary trust is something that offers just that. It like a tree hierarchy where the trustee heads the trust and the beneficiaries follow. The trustee decides the number of beneficiaries this legal arrangement should have. As fiduciary duty is one of the main attributes of discretionary trust, the trustee acts in the best interests of the parties. Meaning of Discretionary Trust A discretionary trust is a legal arrangement in which a trustee holds and manages assets on behalf of beneficiaries. The trustee can distribute income and capital from the ... Read More

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Introduction A contribution plan is a retirement plan for working class where the employee, and employer contributes a specific amount to the scheme. The invested money gets accumulated as the contributions progress. The returns on this plan are used for fulfilling individual's retirement goals. Fig 1: Laying out ideas for Contribution Plan Define Contribution Plan When an individual or employer contributes a fixed amount to the retirement plan, it is said to be a contribution plan. The contributions are invested in mutual funds, bonds or even stocks. These funds are used to fund ... Read More

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Introduction Complementary goods, as the name suggests, are those goods that are closely related to one another. Without the presence of one good, the other seems of no use. Have you ever wondered why you buy bread and butter simultaneously or why ink cartridges are sold with printers? The idea of complementary goods holds the key to the solution. Products or services that are dependent on one another are referred to as complementary goods. Fig 1: Complementary Goods Define Complementary Goods Goods and services typically used in tandem are known as complementary goods. When the consumption of one ... Read More

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Introduction Fixed deposits are popular among senior citizens because they are safe and secure. However, there may be better options regarding returns and growth potential. As every person wants a peaceful post-retirement life journey, investing in high-risks can be somewhat a debatable thing. But going with an amalgam of choices that touches upon low-risk, mid-risk and high-risk can be an ideal combination for the investor. Alternative Options to Fixed Deposits for Senior Citizens Senior Citizen Savings Scheme (SCSS) − Backed by the government, this scheme is specially designed for senior citizens. It offers an attractive interest of ... Read More

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Introduction Financial audits ensure accuracy and complete transparency of the company's financial records. This examination and evaluation paints the fair picture of the company to the stakeholders and investors, making it easy for taking informed investing decisions. Fig 1: Audit Documentation Besides, these audits also help companies get a better understanding of their outlays, errors, and other financial aspects. Auditors document all the checks and record them in physical mode for future reference purpose. But what exactly is audit documentation? Meaning of Audit Documentation Audit documentation refers to written records created during the time of auditing, including working ... Read More

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Introduction An annuity is a finance product sold by an insurance company. It is a written agreement duly signed and agreed upon between the insurance company and the individual. The individual pays a certain amount of money initially or over time to the insurance company. In return, the insurance company promises to pay the individual a guaranteed income stream for a specific period or the rest of their life. Regarding financial planning, annuities are often considered a great way to generate a steady income stream for retirement. This is a contract between an individual and an insurance company. The individual ... Read More