PERSONAL FINANCE GLOSSARY

S&P

SEC EDGAR

Savings Bond

Second Mortgage

Section 1035 Exchanges

Section 529 Plans

Sector Funds

Sector Rotation

Secured Debt

Securities & Exchange Commission

Security

Separate (Sub-Account) Account

Series E Savings Bonds

Series EE Savings Bonds

Series HH Savings Bonds

Settlement Date

Settlement Option

Shareholders' Equity

Sharpe Ratio

Short Interest

Short Sale

Short-Term Capital Gains

Single Premium Annuity

Small-Cap Stock

Social Security Statement

Spinoff

Split

Spread

Standard & Poor's Composite Index of 500 Stocks (S&P 500)

Standard Deviation

Standard Risk

Statement

Stock

Stock Redemption Plan

Stock Ticker

Stretch IRA

Sub-Standard Risk

Subordinated Debenture

Successor Trustee

Suicide Clause

Surrender Charges

Surrender Schedule

Surrender Value

Survivorship Life Insurance

Swap

Symbol

Systematic Withdrawals

Penalties assessed for withdrawals made in excess of the free withdrawal privilege during the surrender charge period.