Finelo Blog

Target Date Fund: Allocation, Costs & Risks

A target date fund is an investment fund built around a future year, often a retirement year, that automatically shifts its mix of investments over time.

Stock Split: Shares, Price & Investor Impact

A stock split is a corporate action that changes how many shares exist without changing shareholders’ proportional ownership by itself.

SOFR Rate: What It Is, Where to Find It, and How It Affects Costs

The SOFR rate—the Secured Overnight Financing Rate—is a U.S. benchmark interest rate based on overnight borrowing transactions secured by Treasury securities.

SEC Filings: How to Find, Read, and Use Them

SEC filings are public disclosure documents that companies, funds, insiders, and other filers submit to the U.S.

Risk Free Rate: Inputs, Valuation & Example

The risk free rate is the baseline return used in finance to estimate what an investor could earn without taking meaningful default or market risk.

Reverse Stock Split: Shares, Price & Investor Impact

A reverse stock split is a corporate action that consolidates a company’s shares into a smaller number of shares.

Real Interest Rate: Inflation, Formula & Example

A real interest rate is an interest rate adjusted for inflation. It estimates how much purchasing power a saver earns, or how much purchasing-power cost a borrower pays, after prices change.

Proxy Statement: How to Read It & What to Check

A proxy statement is the shareholder voting document a public company sends before an annual or special meeting.

Prime Rate: Loans, Costs & Market Impact

The prime rate is a benchmark interest rate that banks use as a starting point for pricing some loans, especially short-term business credit and variable-rate consumer credit.

Chart Analysis

Pivot Points: Formula, Signals & Limitations

Pivot points are chart-based price levels used to estimate where an asset might encounter intraday support or resistance.

P/E Ratio: Meaning, Formula, Examples, and Limits

The P/E ratio, or price-to-earnings ratio, compares a company’s stock price with its earnings per share.

Trading

Payment for Order Flow

Payment for order flow (PFOF) is compensation a broker may receive for routing customer orders to a market maker, exchange, or other trading venue for execution.