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Fixed Annuity 
   An insurance contract in which the insurance company makes fixed dollar payments to the annuitant for the term of the contract, usually until the annuitant dies. The insurance company guarantees both earnings and principal.

401(k) Plan 
   A tax-deferred defined contribution retirement plan offered by an employer.

Fraud 
   The deliberate concealment, misrepresentation or omission of material information so as to deceive or manipulate another party for unlawful or unfair gain.

Front-End Load 
   A mutual fund commission or sales fee that is charged at the time shares are purchased. The load is added to the net asset value of the shares when calculating the public offering price.