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Mock 1, friday 1,2,3,4,5,9,10 - Coggle Diagram

- - - - Class B shares: Contingent deferred sales charges (CDSC)
    - - Summary Prospectus
        
        1
        
        warning that the information is in summary form, and other facts.
        
        fund's name, share classes offered, ticker symbols, information on how to get a full prospectus
      - Statement of Additional Information (SAI)
        
        if an investor asks, must provide it within 3 business day
- - - - no max earning, no max contribution
      - withdrawal and growth tax free
      - funds be rolled over from one state's Section 529 plan to another's once every 12 months
- - - - BOND AT A DISCOUNT (Price < Par)
        
        The bond is more attractive, so YTM and YTC are higher than the coupon.
        
        Yield Order (Low to High):
        
        Nominal < CY < YTM < YTC
    - - BOND AT A PREMIUM (Price > Par)
        
        You paid more, so your return is lower than the coupon.
        
        Yield Order (Low to High):
        
        YTC < YTM < CY < Nominal
    - - BOND AT PAR
        
        All Yields Are Equal:
        
        Nominal = CY = YTM = YTC
- - - - Ex-Dividend Date : One business day before the record date
- - - - 401k
        
        Contribution
        
        made with pre-tax $ → reduces taxable income for the year
        
        through payroll deductio
        
        Fund grows tax deferred
        
        Taxed upon withdrawal
  - - - taxed as ordinary income
      - Distribution without penalty starts after 59 and a half
        
        or else, 10% penalty
      - Exception to the 10% penalty
        
        medical expenses exceeding 7.5% of adjusted gross income