hozamtípusok

Hozamtiípusok, a financial term, refers to the different ways returns on an investment can be measured and expressed. Understanding these types is crucial for investors to accurately assess the profitability of their holdings and compare various investment opportunities.

One common type is the nominal yield, which represents the stated interest rate of a bond or other debt instrument. It does not account for inflation or any other factors that might diminish the purchasing power of the returns.

Another important type is the current yield. This is calculated by dividing the annual interest payment by the current market price of the bond. It provides a more up-to-date picture of the return an investor would receive if they bought the bond at its current price.

The yield to maturity (YTM) is a more comprehensive measure. It represents the total return anticipated on a bond if it is held until it matures. YTM takes into account the bond's current market price, its face value, its coupon payments, and the time remaining until maturity. It is expressed as an annual rate.

For dividend-paying stocks, dividend yield is a key metric. It is calculated by dividing the annual dividend per share by the current stock price. This shows the income an investor can expect from dividends relative to the stock's price.

Finally, effective yield or annual percentage yield (APY) is often used for savings accounts and other deposit products. It reflects the actual rate of return earned on an investment when compounding is taken into account over a full year. APY is typically higher than the stated interest rate (nominal yield) due to the effect of compounding.