Resources

Risk Assessment

A risk assessment quiz will help determine how much risk you, as a potential investor, are willing to accept. The results of a risk assessment may reveal that you are an aggressive investor, that is one that likes to take risks to achieve a higher return. On the other hand, you may be a conservative investor - one that is willing to accept a smaller return for a much lower risk investment. Complete the risk assessment survey and save your results.

Portfolio Setup

An important component of the STARS program is creating a portfolio with fictional money to purchase stocks, bonds, and mutual funds. The focus of this program is not to see how much money your portfolio will make in the short-term. STARS differs from other programs because the stock portfolio project focus is on long-term investing principles, not short term performance gains. Performance is assessed on what you learn not the value of the portfolio. STARS provides you with the opportunity to review your portfolios five or ten years later. This gives you the ability to truly see the importance of long-term investing, the time value of money, and the compounding of interest.

Portfolio Tracking

As you track your investments in the portfolio the system will monitor your overall gains or losses.

Report

Students who track their progress during the project and write a report detailing what they learned, are eligible for a cash award. Regional award winners can receive up to $250 and the student selected as the State Winner will receive a $1,000 award. These student winners will also be invited to attend an awards ceremony along with their parents or other special guest(s).

Instructional Videos

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Glossary of Terms

To view terms, click on a letter below. Click the term to view its definition.

#

10-K
10-Q
12-B1 fees
401-k account
403-b plan

A

active management
adjustable rate mortgage (ARM)
affinity scheme
algorithm
alpha
alternative assets
American Depository Receipt (ADR ADS)
amortization
annual percentage rate (APR)
annual percentage yield (APY)
annual report
annualized rate of return
annuity
annuity (investment product)
appreciation
arbitrage
asset allocation
assets
asymmetric information

B

balance sheet
bank
bank statement
bankruptcy
bear market
behavioral finance
benchmark
beta
Bitcoin
blue chip stock
board of directors
Board of Governors
bond
bond rating
book value
budget
budget deficit
bull market
business cycle
buy side

C

callable
capital
capital gain/loss
cash flow statement
cashier's check
caveat emptor
central bank
certificate of deposit
certified check
Chapter 7 bankruptcy
Chapter 11 bankruptcy
check
closed-end mutual fund
closing costs
coin
collateral
commercial bank
commission
commodity
common stock
compound interest
conglomerate
consumer price index (CPI)
consumers
contract
convertible security
co-payment
corporation
cost of living
coupon
credit
credit card
credit history
credit report
credit score
credit union
creditor
creditworthy
cryptocurrency
currency
custodian

D

debt
deductible
deduction
default
deflation
deposit insurance
depository institution
depreciation
depression
derivative
director
discount
discounting
discount broker
discount rate
discretionary account
distribution
diversification
dividend
dividend yield
dollar-cost averaging
Dow Jones Industrial Average (DIJA)

E

earned income
earnings
earnings per share (EPS)
earnings report
economy
efficient market hypothesis (EPS)
equity
escrow account
euro
exchange
exchange rate
exchange traded fund (ETF)
expansion
expense
expense ratio
exports

F

Fannie Mae
Federal Deposit Insurance Corporation (FDIC)
Federal Housing Administration (FHA)
federal income tax
Federal Reserve Bank
Federal Reserve System
fees
FICO credit score
fiduciary duty
financial asset
financial fraud
financial investment
financial literacy
financial planner
FINRA
fixed income
fixed rate mortgage
floating rate mortgage
foreclosure
foreign exchange market
Freddie Mac
full service broker
fundamental research
future value
futures

G

gold
good 'til cancelled order (GTC)
government debt
gross domestic product (GDP)
gross income
gross national product (GNP)
growth investing
growth rate
growth stocks

H

hedge fund
home equity loan
homeowner's equity
human capital
hyperinflation

I

identity theft
income
income statement
income tax
index fund
Index
individual retirement account (IRA)
industry
inflation
initial public offering (IPO)
insiders
institutional investor
interest
interest rate
Internal Revenue Service (IRS)
international investing
investing
investment
investment advisor
investment banking
investment company
investment portfolio
investors
IRA

J

junk bond

L

large cap stocks
lease
lender
leverage
liability
lien
limit order
liquid asset
liquidity
load mutual fund
loan
long
Long / Short portfolio

M

macroeconomics
management fee
margin
market
market capitalization ("market cap")
market economy
market order
market price
maturity
medium of exchange
microeconomics
Mid Cap Stocks
minimum wage
money
money market fund
money supply
monopoly
moral hazard
mortgage
municipal bond
multiple
mutual fund

N

NASDAQ
national debt
natural resources
net asset value
net income
net worth
New York Stock Exchange (NYSE)
no-load mutual fund

O

open-end mutual fund
opportunity cost
options
overdraft
overvalued

P

par value
passive fund management
passive ownership
patent
payday loan
PEG Ratio
penny stocks
pension
performance fee
ponzi scheme
portfolio
portfolio holdings
portfolio manager
precious metals
preferred stock
premium
present value
price
price to earnings ratio (P/E ratio)
price-to-book ratio (P/B ratio)
prime rate
principal
private companies
producers
profit
profit margin
prospectus
proxy
public companies
pyramid scheme

Q

quote

R

real estate
real estate broker
real estate investment trust (REIT)
real rate of return
recession
registered representative
regulation
rent
retained earnings
return on assets (ROA)
return on equity (ROE)
return on investment (ROI)
reverse mortgage
risk
risk averse
risk management
risk tolerance
robo-investing
Rule of 72

S

salary
savings
savings account
savings and loan
sector
Securities and Exchange Commission (SEC)
securities exchange
security
sell side
shares outstanding
Sharpe Ratio
short selling
simple interest
small cap stocks
Social Security
speculation
split
spread
Standard and Poor's 500 Index
standard of living
stock
stock exchange
stock market
stock market index
stock split
stockbroker
stop order

T

tax
tax deductions
tax exempt
tax refund
technical analysis
tender offer
ticker symbol
time value of money
too-big-to-fail
total return
trade
trade deficit
trading
transaction costs
treasury bill
treasury securities
turnover

U

undervalued
underwriting
unemployment
unemployment rate

V

valuation
value investing
value stocks
volatility
volume

W

W-2 form
W-4 form
wage
withholding

Y

yield
yield to maturity (YTM)

Z

zero-coupon bond

Click a term to view its definition.