Resources
Glossary
The terms Paiso uses, in plain words.
A
- Account
- A place that holds money or debt: a checking account, a credit card, a brokerage account, a loan.
- Analyst consensus
- The average rating that market analysts give a stock, such as buy or hold, with their price targets.
- Asset
- Something you own that has value: cash, investments, a home, a vehicle.
- Asset mix
- How your assets divide among types, such as cash, brokerage and retirement accounts.
B
- Balance
- The amount in an account right now. For a debt, the amount you still owe.
- Beta
- How much a stock moves compared with the market. A beta above 1 means it moves more than the market.
- Budget
- The amount you plan to spend in a category each month.
C
- Cash flow
- Money coming in minus money going out over a period.
- Category
- A label for a transaction that says what it was for, such as Groceries or Housing.
- Cost basis
- What you paid for an investment, in total.
- CSV file
- A plain text file of rows and columns. Most banks can export your transactions as one.
D
- Day change
- How much a holding's price moved since the previous market close.
- Dividend yield
- The dividends a stock pays in a year, as a percentage of its price.
E
- EPS
- Earnings per share: a company's profit divided by its number of shares.
- Equity (in a property)
- The property's value minus what you owe on its mortgage.
- ETF
- Exchange-traded fund: a fund that holds many investments and trades on an exchange like a stock.
- Expense
- Money you spend. A transfer between your own accounts is not an expense.
G
- Gain or loss
- The current value of an investment minus its cost basis.
H
- Holding
- One investment you own in one account, such as 40 shares of a stock.
I
- Income
- Money you receive, such as a paycheck.
L
- Liability
- Something you owe: a credit card balance, a loan, a mortgage.
M
- Market cap
- The total value of a company's shares: share price times number of shares.
- Mutual fund
- A fund that pools money from many investors and is priced once a day.
N
- Net savings
- Income minus expenses for a period. What you kept.
- Net worth
- Everything you own minus everything you owe.
P
- P/E ratio
- A stock's price divided by its earnings per share. Forward P/E uses expected earnings.
- Portfolio
- All of your accounts and assets, taken together.
R
- Return
- An investment's gain or loss as a percentage of its cost basis.
S
- Sankey chart
- A chart that shows flows as bands. In Paiso, it shows income flowing into spending categories and savings.
- Savings rate
- The share of your income you kept: net savings divided by income.
T
- Ticker
- The short symbol that identifies a stock or fund on an exchange.
- Transaction
- One movement of money in an account: a purchase, a deposit, a payment.
- Transfer
- Money moving between two of your own accounts, such as a credit card payment. It is neither income nor an expense.
- Two-factor authentication
- A second step when you sign in: a code from an app on your phone, in addition to your password.
#
- 52-week range
- The lowest and highest price of a stock or fund over the past year.