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Across 1. a portfolio with a mixture of low-risk and high-risk investments 7. shares are sold for more than they were paid for 9. similar to checking accounts but require a minimum balance; they do no pay interest 11. have low interest rates and no check writing privileges 14. pay a fixed interest rate and require you to keep the principal in the account for a specified amount of time with penalties for early withdrawal 18. the sum of all deposits plus all interest paid 21. a person who invests your money combined with the money of other investors in the mutual fund 24. require a minimum balance, pay interest, and offer check writing privileges 25. a sequence of equal payments made at equal time periods 26. allows immediate access to your money, checks and ATM access, but do not pay interest

Down 2. includes 401(k) and 403(b) plans, and are set up by and contributed to by your employer 3. people who buy a bond are doing this to the company from which they buy the bond 4. group of stocks and/or bonds managed by a professional investor 5. the percent increase or decrease of an investment 6. a listing of all the investments that a person holds 8. a savings plan that allows you to set aside money for retirement, usually up to $5000 per year; you do not pay taxes until you withdraw your earnings no earlier than when you are 59 ½ years old 10. sold by companies in order to raise money and not dilute the ownership of current stockholders 11. shares of ownership in a company 12. buying or selling stocks 13. where stocks are traded on 15. the distribution of all or part of a company’s profits to its shareholders 16. payments are made at the beginning of each compounding period 17. payments are made at the end of each compounding period 19. when money is deposited into a bank account 20. any investor who owns some percentage of the company 22. the price an investor pays for a bond at the time it is purchased 23. a type of IRA with slightly different tax benefits than a traditional IRA; you pay taxes on the money you deposit but you can withdraw your earnings tax-free no earlier than when you are 59 ½ years old