Learn the Lingo:. Broker-dealer – financial professional who buys & sells securities. After you open an account w/ a broker-dealer, you can select the securities you wish to purchase or rely on your salesperson to make recommendations and buy or sell for you #InvestSmartNH

Learn the Lingo. Financial Planner - a professional who advises clients on managing their finances, generally stressing the importance of investing to achieve long-term goals #InvestSmartNH. Check out for more investing lingo and tips.

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When starting out a new job, there’s a lot to learn, especially if it’s your first job. Check out Invest Smart’s “Your New Job: Starting Your Financial Future” to learn how to make informed decisions on the money you earn. Visit to request your free copy!

Learn the Lingo. Emergency Fund – one of the best things you can do is put money aside every month into an emergency fund to help cover unexpected events. An emergency fund should ideally cover six months’ worth of living expenses #InvestSmartNH

When you’re just starting your career, retirement plans may not be at the forefront of your mind, but you should start contributing to retirement even when it's decades away. Visit for more invaluable tips! #InvestSmartNH

Mutual Fund - An investment company that pools investors’ money to purchase stocks, bonds, or other securities. Visit to learn more about which investment options make the most sense for your financial situation.

Learn the Lingo . Mutual Fund - An investment company that pools investors’ money to purchase stocks, bonds, or other securities. Visit to learn more about which investment options make the most sense for your financial situation.

Learn the Lingo. Real Return – the money you receive on an investment, adjusted for the rate of inflation. Visit for more valuable investor lingo!

As an investor, doing your homework on any financial professional you plan to work with pays off in the long term. Use FINRA’s free BrokerCheck tool at to make sure you know who you’re working with!

Learn the Lingo . Prospectus – a formal written offer to sell a stock or bond to the public. Always read the prospectus before investing in a product!. Visit for more valuable investor tips!

If you are an investor who believes you are a victim of a fraudulent investment scheme or have concerns about a particular financial adviser, you can file a complaint with the NH Bureau of Securities. Visit for more info!

Learn the Lingo. Vesting Period – the amount of time you need to stay with your employer to qualify to keep their matching contributions to your retirement account. Visit to learn more about saving for retirement and reaching your investing goals.

Our staff is ready and willing to share knowledge about smart investing, understanding investments, avoiding fraud, choosing an investment professional, and improving financial literacy!. Visit to request a speaker for your group! #InvestSmartNH

Learn the Lingo. Affinity Fraud – occurs when a fraudster uses an affiliation with a specific group to capitalize on trust to persuade investors to buy into a fraudulent investment. Visit to learn how to spot and avoid investment fraud #InvestSmartNH

In retirement, you’ll likely need at least 70% of your last working year’s income to maintain your lifestyle. If you’re concerned that you’ve gotten off to a late start in building your assets, there are ways to catch up. Visit to find out how!

Prospectus – a formal written offer to sell stocks or bonds to the public. You should always read the prospectus carefully before making an investment. Visit for more investment lingo!

Investing is a balance between risk and return. The more risk you’re willing to take the greater the potential for substantial return, but also for loss. On the other hand, if you take no risk, your return will be minimal. Visit for more tips!

Compounding – when your investment earnings are added to your principal, forming a larger base on which future earnings may accumulate. Visit for more investment lingo!

It’s tough to start investing when you don’t know the basics, but there are plenty of resources out there for the green investor, including the New Hampshire Investor Guide. Check it out for free at

Dividend – a portion of a corporation’s earnings that the board of directors may pay out to shareholders as a return on investment. Visit for more investment lingo!