What is the difference between Zakat on money and Zakat on trade, and is Zakat on trade paid along with Zakat on saved money?

The zakat on trade goods becomes due on their monetary value upon the completion of a full year (hawl). If their value reaches the nisab, either alone or when combined with other assets, then one-quarter of one-tenth (2.5%) of their value must be given. Thus, zakat is due on trade and money alike.