Investor’s tools.

Investor is a complete investor’s tools. Investor can calculate time deposit, bond, and stock.

Time deposit is a deposit in a bank with a period to maturity. Time deposit earn interest payable upon maturity. Interest amount depend on interest rate that bank offered. Tax is automatically deducted.

Bond is where a person give a loan to government or company. The issuer owes the holders a debt and is obliged to pay them coupon on specific interval: monthly, semiannual, or annual. Tax is automatically deducted. Bond principal is repayed at maturity date. Bond secondary market may be traded at premium or discounted price. These factors will determine the bond yield to maturity.

Stock represents fractional ownership of corporation. This entitles the stockholder to the company’s dividend. Investor wants to buy low and sell high. Investor calculate these price difference as gain in percent and value.