The Hang Seng Index (HSI) is a stock market index that represents the performance of the largest and most liquid companies listed on the Hong Kong Stock Exchange. It is a market capitalization-weighted index, meaning that companies with larger market…

Hard Fork refers to a significant and incompatible change to a blockchain protocol that results in a split in the blockchain. This change is not backward-compatible, meaning that nodes running the old version of the software cannot validate blocks created…

Hard Inquiry A hard inquiry, also known as a hard pull, occurs when a financial institution checks your credit report to make a lending decision. This typically happens when you apply for a loan, mortgage, or credit card. Hard inquiries…

Head and Shoulders Pattern The Head and Shoulders Pattern is a technical analysis chart formation that indicates a reversal in trend. It typically occurs at the end of an upward price trend and consists of three peaks: the first is…

A health insurance copayment, or copay, is a fixed amount that a policyholder is required to pay out-of-pocket for specific medical services at the time of receiving care. This fee is typically predetermined by the insurance policy and varies depending…

A health insurance deductible is the amount of money that a policyholder must pay out-of-pocket for healthcare services before their health insurance begins to cover costs. Deductibles can vary widely depending on the insurance plan and may apply to various…

Health Insurance Premium: A health insurance premium is the amount of money that an individual or employer pays to an insurance company to obtain health insurance coverage. This payment is typically made monthly, but can also be paid quarterly or…

A Health Savings Account (HSA) is a tax-advantaged savings account designed for individuals to save and pay for qualified medical expenses. HSAs are available to individuals enrolled in high-deductible health plans (HDHPs). Contributions to the account are made pre-tax, which…

Hedging refers to an investment strategy designed to reduce or eliminate the risk of adverse price movements in an asset. This is typically achieved through the use of financial instruments such as options, futures, or other derivatives that provide a…

The Herfindahl-Hirschman Index (HHI) is a measure of market concentration used to assess the competitiveness of a market. It is calculated by summing the squares of the market shares of all firms within the market. The HHI ranges from 0…

Hidden Load refers to the portion of a load in a system that is not immediately visible or apparent but still affects the overall performance and efficiency. This can be related to energy consumption, mechanical load, or other operational factors…

A High Net-Worth Individual (HNWI) is generally defined as a person with liquid financial assets of at least $1 million, excluding primary residence. This classification is used by financial institutions and wealth management firms to identify clients who may require…

High-Frequency Trading (HFT) refers to a type of algorithmic trading that involves executing a large number of orders at extremely high speeds. It utilizes advanced technology and algorithms to analyze multiple markets and execute orders based on market conditions. HFT…

HODL is a misspelling of "hold" that has become a popular term in the cryptocurrency community. It refers to the strategy of holding onto cryptocurrencies rather than selling them, regardless of market fluctuations. The term originated from a 2013 Bitcoin…

Hoge Finance Hoge Finance is a decentralized finance (DeFi) project that incorporates deflationary tokenomics and aims to create a community-driven ecosystem. It operates on the Ethereum blockchain and utilizes an automated liquidity pool, meaning that a portion of each transaction…

A holding company is a type of business entity that owns the outstanding shares of other companies, effectively controlling them without directly participating in their operations. The primary purpose of a holding company is to manage investments and assets in…

Home equity is the portion of a home's value that the owner actually owns outright, calculated by subtracting any outstanding mortgage balance from the current market value of the property. For example, if a home is valued at $300,000 and…

A Home Equity Line of Credit (HELOC) is a revolving credit line secured by the equity in a borrower's home. It allows homeowners to borrow money against the value of their property, up to a certain limit, using their home…

A Homeowners Association (HOA) Fee is a recurring charge levied by a homeowners association to cover the costs of maintaining common areas and services in a residential community. These fees can include expenses for landscaping, pool maintenance, security, trash collection,…

Homestead Exemption is a legal provision that allows homeowners to exempt a portion of their property value from property taxes, providing tax relief and protecting a primary residence from creditors. This exemption typically applies to a primary residence, and the…

A hostile takeover is a type of acquisition in which one company attempts to acquire another against the wishes of the target company's management and board of directors. This often involves purchasing a significant number of shares directly from the…

Human capital refers to the economic value of the skills, knowledge, and experience possessed by an individual or population. It is often viewed as a critical factor in driving economic growth, productivity, and innovation. Human capital can include various elements,…

Hyperinflation refers to an extremely high and typically accelerating rate of inflation, often exceeding 50% per month. It occurs when there is a rapid increase in the money supply that outpaces economic growth, leading to a loss of confidence in…

A hypermarket is a large retail facility that combines a supermarket and a department store. It offers a wide range of products, including groceries, clothing, electronics, and household goods, all under one roof. Typically, hypermarkets are designed to serve as…