Average inventory turnover/cost of sales x 365 - Inventory turnover equation, Shares - involves investment in a business in return for equity i.e the shareholder becomes a part of the business. The shareholders will receive dividends from the company's profits and will also want the value of the share increase, Pensions - Long term saving plans, involve regular payments throughout working life, Paid in a lump sum, instalments or a mixture, Advantages of deposits and savings accounts - Interest earned on positive balances, Accounts sometimes require regular deposit of a set amount forcing the saver to follow a savings plan, Cons of deposits and savings accounts - Interest earned is taxable low rate of interest, Pros of premium bonds - Chance of winning more than can be earned through savings can be withdrawn with no loss or penalty, Cons of premium bonds - No guaranteed return on investment, Maximum amount reviewed annually by the government, the amount invested, looses value due to inflation is there's no winning, Pros of bonds and guilts - Regular fixed returns, Spreads risk across a range of markets, Cons of bonds and guilts - Risk of losing some or all of the value of the investment if the bond or guilt fails, Interest payment may not be received if the issuer is unable to pay., Pros of shares - Share prices fluctuate offering potential high reward, Shareholders return can include dividend payments and an increase in share value, May have additional benefits and party owners ,can be a hobby,

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