Small Business Encyclopedia

Category: Investing

Dollar-Cost Averaging

Definition: To invest, as in shares of stock, fixed amounts of money at regular intervals so as to buy more at lower prices ad less at higher prices

Due Diligence

Definition: A reasonable investigation of a proposed investment deal and of the principals offering it before the transaction is finalized to check out an investment's worthiness; generally performed by the investor's attorney and accountant.

Individual Retirement Account (IRA)

Definition: An interest-earning retirement savings account in which the allowable contributions and earnings aren't taxed until the funds are withdrawn, after age 59 1/2.

Roth IRA

Definition: A personal retirement savings vehicle created by the Tax Payer Relief Act of 1997. A Roth IRA allows certain investors to make non-deductible contributions of up to $4,000 annually and, provided certain requirements are met, offers tax-free and penalty-free withdrawals for important financial needs in addition to retirement.

Savings Incentive Match Plan For Employees (S

Definition: An individual retirement account for owners of businesses with 100 employees or less that's similar to a 401(k)

Simplified Employee Pension Plan (SEP)

Definition: A retirement plan that allows you to contribute and deduct up to 20 percent of self-employment income (25 percent of salary if you're an employee of your own corporation)

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