Sentences with phrase «after accounting for»

After accounting for inflation, there's a one - in - three chance that you won't get your investment back with a cash savings account, reports Betterment, because nominal cash interest rates have recently been averaging around 1 percent or less.

As a result, your real rate of return, what you keep after accounting for inflation and taxes isn't going to be as good as it may appear.

Even after accounting for the fees that agencies charge, you should still end up saving money with the reduced interest rates that the counselors negotiate with your creditors.

However, even after accounting for all of that, the most important question is: How much does one save?

Importantly, they worked after accounting for the effects of CAPM (that is, for the same beta, cheaper stocks still seemed to have higher expected returns than more expensive stocks).

Awilco Drilling Shares of Awilco, after accounting for the $.20 dividend paid in June, are currently priced right about where I purchased them.

The lender's advantage over these large banks was apparent even after accounting for their differences in loan volume.

Even though more financially savvy participants earned higher returns after accounting for risk, their portfolios tended to be somewhat somewhat more volatile (which isn't surprising given the higher stock stake).

Quicken reported that I have an account value of $ 90,985.79 the same as IB's reported NAV after accounting for interest and dividend accruals of - $ 41.41.

Some years you might even lose money (after accounting for inflation).

I bet that the majority would have a worse return, after accounting for loads and expenses.

Comparing Net Financial Debt to Total Asset tells us how much a company's assets are leveraged after accounting for their cash and short term securities.

The back - of - the - envelope calculation is how much (or whether) the return on the outside investment, less the capital gains tax you owe on it, exceeds the interest rate on the mortgage, after accounting for the mortgage interest deduction.

Real yields (the yield after accounting for inflation) on government bonds have risen recently, but are still around zero.

If your retirement planning involves holding your money in T - bills for the last few years of your life, it will generate a minimal return after taxes — you may actually lose money after accounting for taxes and inflation.

Even corporate bonds only pay a 2.8 % yield after accounting for inflation and with no prospect for price appreciation if held to maturity.

It is still very possible for the Citi ® Double Cash Card to yield more rewards after accounting for the annual fee.

Ever an example of true humility, Fama gives tremendous credit to his predecessors and his contemporaries such as Michael Jensen who pioneered the technique of performance evaluation (measuring additional return after accounting for risk exposure) that is still used today.

However, you'd need to spend only $ 100,000 on the American Express SPG credit card to earn 125,000 American Airlines miles which can be redeemed for a First Class ticket to Europe after accounting for the 25 % transfer bonus.

[vii] An increase in the number of payday lending locations in a particular county is associated with an 11 percent increase of involuntary bank account closures, even after accounting for county per capita income, poverty rate, educational attainment, and a host of other variables.

«Even after accounting for the fact that Ontario residents place more value on income earned in the near term than they would on income earned decades in the future, the ORPP still has a strong positive effect on Ontario households.»

Most active fund managers try to outperform their benchmark indexes by picking stocks and making tactical plays, and most can not do this successfully after accounting for their fees and transaction costs.

How estimates look after accounting for what has happened since the original liquidation estimates

Over the long term, stocks have historically beaten bond returns, even after accounting for the periodic market crashes.

After accounting for that fee, the discrepancy is gone.

This would imply that it would make sense to skew investments towards higher rated borrowers (A & B), as the total return will likely be higher after accounting for the expected higher defaults in C and lower borrowers.

Over time, a broadly diversified index of US investment - grade bonds has produced positive returns (after accounting for inflation) far more frequently than cash (see the chart below).

Based on these two profiles, the Citi ® Double Cash Credit Card will net the highest rewards out of the 4 cards even after accounting for annual fees.

Investors with smaller portfolios will find TD e-Series funds significantly cheaper and those with larger portfolios will find ETFs far cheaper even after accounting for trading commissions.

Even those who can somehow manage to outperform the collective wisdom of markets can rarely continue to do so, especially after accounting for the taxes and expenses of the higher frequency trading involved with active management.

This private college debt is 17 % more than it was 10 years earlier, even after accounting for inflation.

This is because to earn more rewards with the IHG ® Rewards Club Traveler Credit Card than the Citi ® Double Cash Credit Card — after accounting for the $ 29 annual fee — you would have to spend more than $ 2,400 at IHG hotels.

The minimum amount of the loan is $ 2,000 and the maximum amount can cover up to the total amount of a student's school - certified attendance cost, after accounting for other financial aid such as scholarships and federal loans.

After accounting for losses and settlement expenses, and all operating expenses, RLI made 15.5 cents on each dollar of premiums earned.

That is, it must add value after accounting for fees and taxes.

The core finding is that in more regulated municipalities, housing supply tends to grow less, even after accounting for other factors such as geographical constraints and transportation.

Of course, having most funds lag their benchmarks after accounting for expenses would make little difference if people could reliably identify the handful that would ultimately outperform.

If those funds were instead placed in a savings account with an interest rate of 1 %, and the rate of inflation remained at 3 %, the real value, or purchasing power, of the funds in savings will have actually decreased, as the real interest rate would be -2 %, after accounting for inflation.

Well, including capital gains, dividends and management expense ratios, but excluding trading fees and taxes, it looked like this for the calendar year of 2009 in Canadian dollars (after accounting for US$ fluctuations):

After accounting for a substantial front load, the fund's would subtract even more value.

Comparing Net Financial Debt to Total Assets tells us how much the corporation's assets are leveraged after accounting for their liquid assets.

After accounting for the cost of raising your kids as well as their future college expenses, you have about $ 1.9 million in financial obligations, meaning that you ideally need that amount minus your liquid assets covered by life insurance — so about $ 1.8 million in coverage.

Since the costs of active management typically exceed those of passive management, the average actively managed dollar will underperform the average passively managed dollar after accounting for costs (Sharpe 1991).

The cap rate is simply the cash yield you get from your property, after accounting for all expenses but before mortgage payments.

But they argue that we must also diversify across time, something almost no one does: «Even after accounting for inflation, a typical investor has twenty or even fifty times more invested in stocks in his early sixties than he had invested in his late twenties... It's as if your twenties and thirties didn't really exist.»

Fixed income is less attractive at higher correlations, particularly after accounting for low forward return expectations.

You usually need a hefty amount of equity left over, often 20 %, after accounting for any funds you borrow with a home equity loan or HELOC.

However, transfering points can still be an excellent value, as transferred points can be worth as much as 1.2 cents each — a 14 % increase in value after accounting for the fee.

Its Goal setting option lets you define an amount and end date to save for a particular expense, while Safe - to - Spend ® shows you how much you can afford to spend after accounting for upcoming bills and savings goals.

After accounting for commissions, my cost basis was reduced to $ 106.76, which is like buying Apple at a 1.9 % discount to the price it was trading for when I placed the trade on Friday.