複利是「利息生利息」。您的錢增長得更快,因為每一期的利息都會加到本金中,而下一期的利息則會以新的、更大的金額來計算。「牛市」= 價格上漲。人們樂觀並買入。牛市發生時,股價上漲,投資人情緒高漲。多元化透過不把所有雞蛋放在一個籃子裡來降低風險。通貨膨脹是指物價在特定期間內的上漲率。通貨膨脹通常是一個廣泛的衡量標準,例如物價的整體上漲或一個國家生活成本的增加。當您購買股票時,您就擁有了公司的一小部分。債券支付利息並在到期時償還本金。ROI衡量您相對於投資所獲得的利潤。專業經理人為您投資 pooled money。流動性指的是公司或個人輕鬆及時地清償短期負債的能力。它反映了資產在不損失顯著價值的情況下,能多快、多有效地轉換為現金。信用評分是一個三位數,通常介於300到850之間,旨在代表您的信用風險,或者您按時支付帳單的可能性。分數越高=貸款條件越好,利率越低。許多雇主會提供對等提撥,使其成為一個強大的退休工具。ETF 像股票一樣交易,但持有一籃子資產(非常受歡迎且通常成本較低)。較低的本益比可能意味著股價較便宜;較高的本益比則代表投資者預期快速成長。這筆現金緩衝可以保護您,以防您失業或面臨意外帳單。攤銷顯示您的貸款付款如何隨時間變化,從一開始的每月付款中較大部分用於支付利息,到後來較大部分用於償還本金。對於個人而言,淨資產或財富是指個人的淨經濟狀況:個人資產減去負債的價值。費用非常低廉,且歷史上具有強勁的長期表現。包括利息+某些費用;購物貸款時務必比較APR。預算是你寫下來的一個計畫,用來決定你每個月如何花錢。預算會顯示:你賺多少錢。你如何花錢。FICO®分數是一種特定的信用分數品牌,有助於貸款人判斷你償還貸款的可能性。降低波動的影響;當股價便宜時買入更多,當股價昂貴時買入更少。負債是個人或公司所欠的款項,通常是一筆錢。負債透過轉移經濟利益,包括金錢、商品或服務,隨時間清償。資產配置是指將資金分配或配置到多種資產類別,例如股票、固定收益、債務、現金等。藍籌股是指大型、財務實力雄厚、歷史悠久、信譽良好且獲利能力強的公司的股票。貸款再融資是指用一筆新貸款取代現有貸款,通常是為了獲得更好的條款。費用比率是基金的年度總費用除以基金的總淨資產。股息是公司收益的一部分,作為利潤分配給股東。定義。風險承受能力是指投資者為了可能獲得更高的回報,願意承擔投資的不確定性和財務損失的程度。時間是秘密武器——25歲開始每月投入100美元,到退休時可以顯著增長。抵押貸款是一種用於幫助您購房的貸款。每位存款人、每家銀行高達250,000美元的銀行存款。因此,即使您的銀行倒閉,您也不會損失資金。被動收入是指您無需積極工作即可獲得的錢;許多人旨在建立被動收入流以實現財務自由。S&P 500(標準普爾500)是一個股票市場指數,追蹤美國證券交易所上市的500家領先公司的股票表現。72法則是一種估算投資價值翻倍所需時間的便捷方法。儲蓄帳戶風險低且通常有保險,使其成為應急資金或短期目標的理想選擇。它是一個買賣上市公司所有權的市場(如紐約證券交易所或納斯達克)。許多人透過積極儲蓄和明智投資來實現財務獨立,讓他們的錢為自己工作。現金流是您的企業在特定期間內資金的流入和流出。正現金流 = 支付帳單後還有餘錢;負現金流 = 您的支出多於收入。銀行通常每次透支收取 30-35 美元,即使你只差 5 美元。額外 1-2 百萬美元的責任險,通常每年 200-400 美元。富人的秘密武器。You scored 0 out of 40You scored 1 out of 40You scored 2 out of 40You scored 3 out of 40You scored 4 out of 40You scored 5 out of 40You scored 6 out of 40You scored 7 out of 40You scored 8 out of 40You scored 9 out of 40You scored 10 out of 40You scored 11 out of 40You scored 12 out of 40You scored 13 out of 40You scored 14 out of 40You scored 15 out of 40You scored 16 out of 40You scored 17 out of 40You scored 18 out of 40You scored 19 out of 40You scored 20 out of 40You scored 21 out of 40You scored 22 out of 40You scored 23 out of 40You scored 24 out of 40You scored 25 out of 40You scored 26 out of 40You scored 27 out of 40You scored 28 out of 40You scored 29 out of 40You scored 30 out of 40You scored 31 out of 40You scored 32 out of 40You scored 33 out of 40You scored 34 out of 40You scored 35 out of 40You scored 36 out of 40You scored 37 out of 40You scored 38 out of 40You scored 39 out of 40You scored 40 out of 40
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NextNext QuizIncorrectCorrectGenerating your resultRetryOops, Quizday rookie! Don't worry, even the greatest quiz masters had to start somewhere. You may have stumbled this time, but every mistake is an opportunity to learn and grow. Keep on quizzing, Quizday newbie, and let your thirst for knowledge guide you towards greatness!Hooray for trying, Quizday explorer! You may not have aced the quiz this time, but you're like a brave adventurer trekking through uncharted territories. Keep exploring, Quizday fan, and let your inquisitive spirit be your guide to the riches of knowledge. Who knows what wonders await you on your next quiz quest?Great effort, Quizday adventurer! You're like a curious cat exploring the world of trivia with wide-eyed wonder. Keep on quizzing, Quizday fan, and let your enthusiasm for knowledge propel you towards success. Remember, even the most experienced quiz champions started somewhere. You're on your way to greatness!Hooray for taking the Quizday challenge! 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以為您對金錢瞭若指掌?您或許會在晚宴上隨口說出「多元化」和「槓桿」等詞彙,但當壓力來襲時,您能真正定義它們嗎?這不是您高中時的個人理財課,也不是某些浮誇的TikTok解釋。這是一場無情、毫不留情的考驗,包含40個高階金融術語,這些術語是避險基金經理人、財務長、投資銀行家和中央銀行家每天都在使用的。一個小小的誤解,您就會暴露無遺。只有真正的高手——那群生活在市場中並呼吸著市場的頂尖1%——才能獲得滿分。準備好找出您是屬於那個精英群體,還是您一直以來都只是在裝模作樣?繫好安全帶。考試現在開始。








