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The Stanford-Binet Intelligence Scale (SBIS) assumes that intelligence increases with age.
Inflation
The upward movement in the general price index of goods and services, which diminishes the purchasing ability.
Total Return
The overall financial gain or loss on an investment over a specific period, including dividends, interest, and capital gains.
Market
The collective system of buying, selling, and trading goods, services, or financial instruments among buyers, sellers, and intermediaries.
Discounted
Discounted involves adjusting the value of future cash flows to their present value using a specific interest rate, to account for time and risk.
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