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How do I find more information on letters and designations you might see listed after a financial professional's name.
See Our Guide to Designations
- real estate investment trust (REIT)
- A publicly traded trust that invests in real estate through properties or mortgages.
- real return
- The return from an investment adjusted for inflation. For example, if your investment earned 6% interest last year, but the cost of everything went up 4%, you are only ahead (your 'real return' is only) 2%.
- Advisers and investment companies licensed by a securities regulator to buy and sell investments, or provide investment advice. Also, accounts and retirement plans protected by income tax and other laws.
- Registered Disability Savings Plan (RDSP)
- A savings plan to help parents and others save for the long-term financial security of a person who is eligible for the disability tax credit.
- Registered Education Savings Plan (RESP)
- A special type of savings plan registered with the government that allows you to reduce the taxes you pay on money you save for post-secondary education expenses.
- Registered Retirement Income Fund (RRIF)
- A tax deferral investment available to RRSP holders who deregister their plans. The plan holder invests withdrawn RRSP funds in the RRIF and each year must withdraw and pay income tax on a set portion of the fund.
- Registered Retirement Savings Plan (RRSP)
- A special type of savings plan registered with the government that allows you to reduce the income tax you pay on money you save for retirement. Any income you earn in the RRSP is usually exempt from tax for the time the funds remain in the plan. During retirement, an RRSP can be another source of income for you.
- A firm or individual that is registered under the Securities Act to trade or advise in securities.
- The profit you make on an investment through interest, dividends or increased value of the investment (see expected return).
- return of capital
- A return from all, or a portion of, an investment, that is not considered income. It is not a gain because it is simply paying back money you originally invested.
- return on capital
- This is a rate of return measure. It shows how effectively a company utilizes funds invested in its operations. It is calculated by dividing after-tax operating income by the book value of capital invested in the company.
- return on investment
- A profitability measure. It is the gain or loss on an investment expressed as a percentage of the total amount invested.
- The option to buy additional securities from the company at a certain price within a certain period of time.
- Amount of uncertainty about the expected return from an investment, including the possibility that the investment may lose money or become worthless.
- risk acknowledgement form
- A risk acknowledgement form must accompany an offering memorandum and given to an investor. This form states you are aware of the risks posed by the investment and you must sign it if you decide to invest.
- risk tolerance
- How willing or comfortable you are to risk losing your money on an investment.
- rule of 72
- A way to quickly estimate how long it will take an investment to double in value.