Plain Language
Financial Glossary
Clear, plain-language definitions of the financial terms used across our services.
A
- Accessibility
- Designing the website so that people of all abilities can access and use it effectively.
- Website
- Advisory
- Professional advice provided to businesses on transactions, valuations, capital raising, restructuring and strategic decisions.
- Advisory
- Analytics Dashboard
- A reporting interface showing website traffic, engagement and lead generation performance.
- Website
- Asset Allocation
- How investments are spread across different asset classes such as cash, bonds, property and shares.
- Investment Management
- Asset Management
- Managing investments on behalf of individuals, businesses or institutions to achieve specific financial goals.
- Investment Management
B
- Bond
- A loan made by an investor to a government or company in exchange for regular interest payments.
- Investments
- Business Broking
- Assisting business owners to buy, sell or value businesses.
- Advisory
C
- Call to Action (CTA)
- A prompt encouraging users to take a specific action, such as "Book a Consultation" or "Speak to an Adviser".
- Website
- Capital Preservation
- Protecting invested capital while seeking stable returns.
- Investment Products
- Capital Raising
- Helping businesses secure funding through debt or equity investment.
- Advisory
- Client-Centric
- Putting client needs, goals and outcomes at the centre of every decision and recommendation.
- Brand Language
- CMS (Content Management System)
- Software that allows non-technical users to update and manage website content.
- Website
- Collective Investment Scheme
- A pooled investment vehicle where multiple investors invest into a professionally managed fund.
- Unit Trusts
- Competitive Returns
- Investment returns that compare favourably with similar products in the market.
- Investment Products
- Consent Capture
- Obtaining permission from website visitors before collecting or processing personal information.
- Website / Compliance
- Conversion
- A desired action completed by a visitor, such as submitting a form or booking a consultation.
- Website
- Cookie Consent
- Informing visitors about website tracking technologies and obtaining their permission where required.
- Website / Compliance
- Corporate Finance
- Financial advisory services relating to mergers, acquisitions, valuations, funding and strategic transactions.
- Advisory
D
- Debt Funding
- Capital borrowed by a business that must be repaid with interest.
- Advisory
- Design System
- A collection of reusable design standards, components and guidelines that ensure consistency across the website.
- Website
- Direct Offshore Platform
- An investment platform that provides direct access to international investment markets.
- Wealth
- Diversification
- Spreading investments across different assets to reduce risk.
- Wealth / Investments
- Dividend
- A payment made by a company to shareholders from its profits.
- Stockbroking
E
- Entrepreneurial Growth
- Supporting individuals and businesses in creating, preserving and expanding wealth.
- Brand Language
- Equity
- Ownership in a company, usually represented by shares.
- Stockbroking
- Estate Planning
- Planning how wealth and assets will be managed and transferred after death.
- Wealth
F
- Feeder Fund
- A local fund that invests into an international fund, providing offshore exposure.
- Wealth
- Fiduciary Services
- Professional services relating to wills, trusts, estates and succession planning.
- Wealth
- Financial Independence
- Having sufficient wealth and income to meet long-term financial goals without reliance on employment income.
- Wealth
- Financial Wellbeing
- The ability to manage current and future financial obligations confidently and sustainably.
- Wealth
- Fixed Income
- Investments that provide regular income payments, such as bonds and treasury bills.
- Investments
- Focused
- Demonstrating specialised expertise in investment and financial services.
- Brand Language
G
- Global Access
- Providing clients with access to international investment opportunities and markets.
- Brand Language
- Government Bond
- A long-term government-issued investment security that pays interest to investors.
- Investment Products
H
- High-Net-Worth Individual (HNWI)
- A person with significant investable assets requiring specialised financial planning.
- Wealth
I
- Independent
- Providing advice and investment solutions without being tied to a specific product provider.
- Brand Language
- Information Architecture (IA)
- The structure and organisation of website content, navigation and user journeys.
- Website
- Institutional Investor
- An organisation that invests large amounts of money on behalf of clients or members.
- Investment Management
- Investment Management
- Professional management of investment portfolios on behalf of clients.
- Investment Management
- Investment Planning
- The process of setting financial goals and selecting investments to achieve them.
- Wealth
- Investment Portfolio
- A collection of investments owned by an individual or organisation.
- Wealth
J
- JSE
- Johannesburg Stock Exchange, Africa's largest stock exchange.
- Stockbroking
L
- Lead Capture
- Collecting visitor information through website forms for follow-up engagement.
- Website
- Liquidity
- How easily an investment can be converted into cash.
- Investment Products
- LISP (Linked Investment Service Provider)
- A platform that provides access to multiple investment products through a single account.
- Wealth
- Local Expertise
- Deep understanding of Namibian markets, regulations and investment opportunities.
- Brand Language
- Long-Term Relationships
- Supporting clients throughout their financial journey rather than focusing on single transactions.
- Brand Language
M
- Managed Portfolio
- An investment portfolio managed by professionals on behalf of a client.
- Wealth
- Metadata
- Information that helps search engines understand a webpage, such as titles and descriptions.
- Website
- Money Market Solution
- A low-risk investment solution focused on preserving capital and generating short-term returns.
- Investment Products
- Multi-Manager Portfolio
- An investment solution that uses multiple fund managers to diversify investment risk and improve returns.
- Wealth
N
- NAV (Net Asset Value)
- The value of a fund's assets minus liabilities, divided by the number of units in issue.
- Unit Trusts
- NSX
- Namibia Stock Exchange, Namibia's primary securities exchange.
- Stockbroking
O
- Offshore Investment
- Investing in assets outside Namibia to gain access to global markets and diversify risk.
- Wealth
P
- Payload CMS
- The headless content management system selected for the IJG website platform.
- Website
- Pension Fund
- A fund that manages retirement savings on behalf of employees or members.
- Investment Management
- Personalised
- Tailoring advice and solutions to each client's unique needs and goals.
- Brand Language
- Portfolio
- A collection of investments owned by an investor.
- Wealth
- Prescient Global Income Provider Feeder Fund
- A fund that provides access to global income-producing investments through an offshore structure.
- Unit Trusts
- Prescient IJG Income Provider Fund
- An income-focused investment fund aiming to provide stable returns while preserving capital.
- Unit Trusts
- Private Equity
- Investment in private companies to support growth and generate long-term returns.
- Private Equity
R
- Research Report
- Analysis and insights on companies, industries, markets or economies.
- Research
- Responsive Design
- Website design that adapts to desktop, tablet and mobile devices.
- Website
- Retirement Planning
- Financial planning designed to ensure sufficient income during retirement.
- Wealth
- Risk Planning
- Planning and implementing insurance and protection solutions to safeguard income and assets.
- Wealth
- Risk Profile
- An assessment of an investor's willingness and ability to take investment risk.
- Wealth
S
- Schema.org Markup
- Structured data added to webpages to improve search engine understanding and visibility.
- Website
- Securities
- Financial instruments such as shares, bonds and other tradable investments.
- Stockbroking
- SEO (Search Engine Optimisation)
- Improving website content and structure so it performs better in search engines.
- Website
- Share
- A unit of ownership in a company.
- Stockbroking
- Share Trading
- Buying and selling shares on a stock exchange.
- Stockbroking
- Sitemap
- A structured list of website pages used by visitors and search engines to navigate content.
- Website
- Sponsor Services
- Advisory and regulatory support for companies listed on a stock exchange.
- Stockbroking
- Stockbroker
- A licensed intermediary who facilitates the buying and selling of securities.
- Stockbroking
- Succession Planning
- Planning for the transfer of ownership, wealth or leadership in the future.
- Wealth
T
- Transparent
- Communicating clearly about fees, risks, processes and investment decisions.
- Brand Language
- Treasury Bill (TB)
- A short-term government-backed investment instrument with fixed returns and defined maturity dates.
- Investment Products
- Trust
- A legal structure used to hold and manage assets on behalf of beneficiaries.
- Wealth
- Trust Solution
- A fiduciary structure used for estate planning, asset protection and wealth transfer.
- Wealth
- Trusted
- Building long-term client relationships through integrity, professionalism and consistency.
- Brand Language
U
- Unit Trust
- A professionally managed investment fund that pools money from multiple investors.
- Investment Products
- User Journey
- The path a visitor follows through the website to achieve a specific goal.
- Website
V
- Valuation
- The process of determining the economic value of a business, investment or asset.
- Advisory
W
- Wealth Management
- A holistic financial planning service covering investments, retirement, risk and estate planning.
- Wealth
- Wealth Planning
- The process of managing and growing wealth to achieve long-term financial goals.
- Wealth
Y
- Yield
- The income generated by an investment, usually expressed as a percentage return.
- Investment Products