Thrift Savings Plan
The Thrift Savings Plan (TSP) is a retirement savings and investment plan for federal employees and members of the uniformed services in the United States. It is designed to help participants save for retirement by allowing them to contribute a…
Ticker Tape
Ticker Tape refers to a continuous strip of paper on which stock prices and other financial information are printed, originally used in the late 19th and early 20th centuries for transmitting real-time market data via telegraph. The term is now…
Tier 1 Capital Ratio
Tier 1 Capital Ratio is a measure of a bank's core equity capital compared to its total risk-weighted assets (RWAs). It is a key indicator of a bank's financial strength and stability, reflecting the bank's ability to absorb losses while…
Tiered Royalty
Tiered Royalty: A tiered royalty structure is a payment model where royalties are paid at different rates based on specific levels of sales or revenue. As sales increase, the royalty percentage may change, typically decreasing as sales volumes rise, to…
Time Value of Money (TVM)
The Time Value of Money (TVM) is a financial principle that states that a sum of money has a different value today than it will in the future due to its potential earning capacity. This concept is grounded in the…
Title Loan
Title Loan: A title loan is a type of secured loan where borrowers can use their vehicle title as collateral to obtain quick cash. The loan amount is typically based on the value of the vehicle. Borrowers retain possession of…
Tokenomics
Tokenomics refers to the study and design of the economic system surrounding a cryptocurrency token or digital asset. It encompasses the supply, distribution, incentives, and overall utility of the token within its ecosystem, aiming to ensure its value and longevity.Key…
Top-Down Investing
Top-Down Investing is an investment strategy that begins with analyzing the macroeconomic environment before moving to specific sectors and then selecting individual stocks. This approach emphasizes the overall economic indicators such as GDP growth, interest rates, and geopolitical factors, which…
Total Addressable Market
Total Addressable Market (TAM) refers to the total revenue opportunity available for a product or service if it were to achieve 100% market share. It helps businesses understand the ultimate potential of a market.For instance, if a software company develops…
Trademark
A trademark is a recognizable sign, design, or expression that identifies products or services of a particular source from those of others. It can be a word, phrase, symbol, or a combination of these elements. The ultimate purpose of a…
Trading Tick
A "Trading Tick" refers to the minimum price movement of a trading instrument, such as a stock or futures contract. For example, if a stock is quoted at $50.00 and the tick size is $0.01, the next possible price would…
Tragedy of the Commons
The "Tragedy of the Commons" refers to a situation in which individual users, acting independently according to their self-interest, deplete or spoil shared resources, ultimately harming the collective good. This occurs when individuals disregard the long-term consequences of their actions,…
Trailing 12 Months (TTM)
Trailing 12 Months (TTM) refers to a measurement of a company's financial performance over the last 12 months, providing a dynamic view of its current financial health. TTM is often used in financial analysis to smooth out seasonal variations and…
Transfer Learning
Transfer Learning is a machine learning technique where a model developed for a specific task is reused as the starting point for a model on a second task. This approach leverages knowledge gained while solving one problem and applies it…
Trend Reversal
A trend reversal refers to a significant change in the direction of a price movement in financial markets, indicating that a bullish trend may turn bearish or vice versa. This can occur due to various factors such as economic data…
Trillion-Dollar Club
The "Trillion-Dollar Club" refers to a group of companies whose market capitalization reaches or exceeds one trillion dollars. This designation highlights their immense economic influence and financial success. Notable examples include Apple, Amazon, Microsoft, and Alphabet (Google), all of which…
Tron (TRX)
Tron (TRX) is a decentralized blockchain platform designed to enable the creation and distribution of digital content. It aims to eliminate intermediaries and empower content creators by allowing them to publish, store, and own their data directly on the blockchain.…
Trust
Trust refers to the reliance on the integrity, strength, ability, or character of a person or thing. It is a foundational element in relationships, businesses, and societies, often cultivated over time through consistent actions and transparency. For example, in a…
Trust Fund
A trust fund is a legal entity that holds assets for the benefit of specific individuals or organizations, known as beneficiaries. It is managed by a trustee, who is responsible for overseeing the fund's assets according to the terms set…
Trustee
A trustee is an individual or organization appointed to manage and oversee assets or property on behalf of another party, known as the beneficiary. The trustee has a fiduciary duty to act in the best interest of the beneficiary, managing…
Turnaround
A "turnaround" refers to a significant and often rapid transformation of a business's performance, typically from a period of decline to profitability. This process may involve restructuring, cost-cutting, or new strategies to improve efficiency and growth. For instance, a struggling…
U.S. Treasury
The U.S. Treasury refers to the Department of the Treasury, which is an executive department of the U.S. federal government responsible for managing national finances, including the production of currency, collection of taxes, and issuance of debt. It oversees various…
Umbrella Fund
Umbrella Fund refers to a collective investment scheme that houses multiple sub-funds under a single legal structure. Each sub-fund operates independently, with its own investment objectives and strategies, but they share common administrative, regulatory, and operational resources. This structure allows…
Underweight Stock
An underweight stock refers to a stock that an analyst or investor believes is expected to underperform relative to a benchmark index or a sector. Investors may hold less of this stock in their portfolio compared to its weight in…
Underwriter
An underwriter is a professional or entity that evaluates and assumes the risk of insuring clients or lending money. Underwriters assess applications for insurance or loans, determining eligibility and terms based on risk factors. For example, in insurance, an underwriter…
