A B C D E F G H I J K L M N O P Q R S T U V W Y Z
Back to Back - an investment that combines an income producing contract with a growth oriented one. The aim is to have your income and get your money back, (but this is not guaranteed). Normally 5-10 year packages. They might be supplied as a package, or created out of disparate investments to meet your specific requirements.
Bare Trust - a type of Trust
Basic Rate tax - the tax rate that applies to most of the income of most people.
Bear - an investor who is pessimistic.
Bear market - expression used to describe the stockmarket when prices are falling, especially if this occurs over a period of weeks or months or longer.
Beneficiary - person who benefits, eg from a Will.
Benefits in kind - description given to those things that an employer gives an employee apart from actual money. E.g. cars, petrol, holidays. Used to have significant tax advantages, but these have been greatly reduced over time.
Bid price - the price at which a financial instrument is bought from you, the investor. E.g. Bid price 95p, offer price 100p. The company will sell to you at 100, and buy at 95. So if you buy at 100 you will need the bid price to reach 101 before you can make a profit.
Blue chip - term for companies who are considered large, and stable. A blue chip portfolio of shares would be full of household names.
Bonds - a tradable form of debt, normally corporate or governmental. Private investors normally buy bonds for the income, which is known and predictable. UK Government Bonds are called Gilts.
Bonus - with regard to insurance policies. This normally applies to With Profit policies. There are two sorts of bonus - Reversionary and Terminal
Bull - an investor who is optimistic.
Bull market - expression used to describe the stockmarket when prices are rising, especially if this occurs over a period of weeks or months or longer.
Buy and Sell Agreement - a contract that defines, in a particular fashion, what happens to a Partnership if a partner dies.