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問題一覧
1
what is Money market?
banks and institutions can buy or sell short-term
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What is money market fund?
created to be sold in retail to the investing public.
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list of Philippine companies offering money market funds
mutual fund companies unit investment trust funds Personal Equity and Retirement Account (PERA) variable universal life (VUL) plans
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what is the Definition Bond Markets
are typically fixed income securities that represent non-amortized loans made to corporate or government borrowers to fund their long term capital needs
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what are the Government Bond Issues?
Treasury Bills Treasury Notes Treasury Bonds
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Treasury Notes
original maturities of 2 to 10 years
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original maturities of more than 10
Treasury Bonds
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negotiable, non-interest bearing securities with original maturities of one year or less
Treasury Bills
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involves sale of securities directly to a small group of investors or institutional investors
Private placement
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involves contractual arrangements between underwriters and issuers
Negotiated sale
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the investment banker purchases the entire issue from the issuer and resells the security to the investing public
Underwriting function
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involves the design of the bond issue and initial planning
origination
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what is Risk-bearing?
refers to the underwriter’s risk of reselling the securities to the investing public
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selling to investors with the help of selling syndicate consisting of other investment banking firms and/or commercial banks if the issue is very large
Distribution
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Almost always sold through a negotiated arrangement with an investment banking firm that maintains a relationship with the issuing firm
Corporate Bond Issues
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Types of new issues
Seasoned equity issues Initial public offerings (IPOs)
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Relationship with Investment Bankers
Negotiated arrangement, Competitive bid arrangement, Best-efforts arrangement
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loans to purchase a home, land or other real property.
Mortgages
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According to a U.S. survey, about _____ of mortgages were single family (1-4 family) mortgages.
71.8%
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According to a U.S. survey, about 71.8% of mortgages were single family (1-4 family) mortgages. The rest were divided between _______
commercial mortgages (18.3%), multifamily dwelling mortgages (8.3%) and a small amount of farm mortgages (about 1.6%).h
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The birth of the Home Development Mutual Fund (HDMF), more popularly known as the Pag-IBIG Fund, was an answer to the need for a national savings program and an affordable shelter financing for the Filipino worker. The Fund was established on
11 June 1978
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The Social Security System handled the funds of
private employees
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what year signed the Executive Order No. 527 was . The order directed transferring the administration of the Fund to the National Home Mortgage Finance Corporation
March 1, 1979
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Executive Order No. 538 was issued on june _,____, merging the funds for private and government personnel into what is now known as the Pag-IBIG Fund.
4,1979
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_____ made Pag-IBIG membership mandatory for all SSS and GSIS member-employees.
1752
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What are stocks?
are shares of ownership in a corporation
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How to make money in stocks?
Capital or price appreciation is an increase in the market price of your stock over time brought about by an increase in its potential value and the demand to buy its shares.
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The 4 Golden Rules
Invest EARLY – “Early bird catches the worm” Invest REGULARLY – “Consistency is the key” Invest LONG TERM – “There’s a reward in waiting” Invest using DIVERSIFICATION - "Do not put all your eggs in one basket."
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Foreign Exchange Defined
Cash flows from the sale of products, services, or assets denominated in a foreign currency are transacted in foreign exchange (FX) markets
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A foreign exchange rate
is the price at which one currency (e.g., the U.S. dollar) can be exchanged for another currency (e.g., the Philippine Peso) in the foreign exchange markets. These
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two relevant prices involved in international trade
The first is the price of the good or service purchased and the second is the price of the currency.
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The Philippine Foreign Exchange
The Bangko Sentral ng Pilipinas (BSP) maintains a floating exchange rate system.Exchange rates are determined on the basis of supply and demand in the foreign exchange market
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Foreign Exchange Transactions
Spot or immediate transactions are normally settled within two to three business days, but currencies may be bought or sold forward for one or more months (transaction dates beyond 1 year are less common). As a country’s exchange rate increases, its exports may become more expensive and imports may be relatively cheaper. A strong currency can contribute to a current account deficit. Conversely, a weaker currency may improve the current account deficit.
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Derivatives Defined
are securities whose price is dependent upon or derived from one or more underlying assets.
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A spot
A spot contract is an agreement between a buyer and a seller at time 0, when the seller of the asset agrees to deliver it immediately and the buyer agrees to pay for that asset immediately. Thus, the unique feature of a spot market is the immediate and simultaneous exchange of cash for securities, or what is often called delivery versus payment.
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A forward
contract is a contractual agreement between a buyer and a seller at time 0 to exchange a pre-specified asset for cash at some later date at a price set at time 0
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futures contract
like a forward contract, is an agreement between a buyer and a seller at time 0 to exchange a standardized, pre-specified asset at some later date at a price set at time 0. months
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actual daily cash settlements occur between the buyer and seller in response to these price changes (this is called
marking to market
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Professional traders
Professional traders are similar to designated market makers on the stock exchanges in that they trade for their own account. Professional traders are also referred to as position traders, day traders, or scalpers. Position traders take a position in the futures market based on their expectations about the future direction of prices of the underlying assets.
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Position
A long position is an order for a purchase of the futures or option contract. A short position is an order for a sale of the futures contract