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Jargon Buster

A   B   C   D   E   F   G   H   I   J   K   L   M   N   O   P   Q   R   S   T   U   V   W   X   Y   Z

A

Accrual rate
AER (Annual Equivalent Rate)
Annuity
APR (Annual Percentage Rate)
Arrangement fees
Assets/declaring assets
AVCs (Additional Voluntary Contributions)

B

BACS (Bankers Automated Clearing System)
Base rate
Basic state pension
Bid price
Bid-offer spread
Bond
Bonus
Bridging loan
Buy-to-Let mortgage

C

Capital repayment mortgage
Capped rate mortgage
Carry back
CAT standards
CHAPS
Charge
CGT (Capital Gains Tax)
Commission
Completion
Corporate bond
Corporation tax
Credit check
Critical illness insurance

D

Death after retirement benefits
Death in service benefits
Deed of covenant
Defined benefit scheme
Defined contribution scheme
Discounted rate
Distribution
Dividend

E

Early repayment charge
Earnings per share
Endowment mortgage
Endowment policy
Equities
Equity
Expat
Expat Benefits
Expression of wish

F

Final salary scheme

Fixed rate mortgage

Flexible mortgage

Flexible pension plan

Foundation
Frozen Pensions

FSA (Financial Services Authority)

FSAVCs (Free Standing Additional Voluntary Contributions)

FTSE 100 (Financial Times Stock Exchange 100)

Fund

Fund manager

Fundamentals

Futures

G

Gazumping

Gilt/gilt edged security

Goodwill

GPP (Group Personal Pension)

H

Health insurance
Hedging

I

IFA (Independent Financial Advisor)
IHT (Inheritance Tax)
Income drawdown
Income tax
Increment
Index
Index-linked
Inflation
Initial charge
Interest-only mortgage
Investment trust
ISA (Individual Savings Account)

J

Jargon buster
Jurisdiction

K

KPIs (Key Performance Indicators)
KSIs (Key Success Indicators)

L

LTV (Loan To Value)

M

Market capitalisation
MIG (Mortgage Indemnity Guarantee) fee
Money purchase scheme
Mortgage payment protection insurance
Mutual company
Mutual fund

N

NI (National Insurance)
National insurance rebate
Negative equity
Net yield

O

Occupational pension scheme
OEIC (Open Ended Investment Company)
Offer price
Offshore Banking
Offshore funds
OMO (Open Market Option)
Option

P

PAYE (Pay As You Earn)
Pension forecast
Pension ombudsman
PEP (Personal Equity Plan)
Permanent health insurance
Personal pension scheme
Phased retirement
PLC (Public Limited Company)
PMI (Private Medical Insurance)
Price/earnings ratio
PUP (Paid Up Pension)

Q

QNUPS (Qualified Non-UK Pension Scheme)
QROPS (Qualifying Recognised Overseas Pension Scheme)
Quartile

R

Redemption
Re-mortgaging
Repayment mortgage
Rights issue
Risk
RPI (Retail Price Index)

S

S2P (State 2nd Pension)
Scrip issue
Securities
SERPS (State Earnings Related Pension Scheme)
Shares
Small caps
SRT (Statutory Residence Test)
SSAS (Small Self-Administered Scheme)
Stakeholder pension
State Pension
Survey
Switching

T

Tax Haven
Tax Avoidance & Evasion
Term
Term assurance
TESSA (Tax Exempt Special Savings Account)
Tied agent
Total return
Transfer value
Trust

U

Unit trust
Unit-linked policy

V

Valuation
Variable rate
VAT (Value Added Tax)
Volatility

W

Whole life policy
Winding up
Winter Fuel Allowance
With-profits policy

X

XD (ex-dividend)

Y

Yield

Z

Zero rated

 

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+44 (0)203 5880 442
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