Sentences with phrase «even average investment»

«If you are still picking stocks using a discount - to - hard - book - value model or relying on dividend models to tell you when the stock market is over or under - valued, it is unlikely you have enjoyed even average investment returns,» Hagstrom writes.

Not exact matches

After averaging $ 70 billion in 2014, oil and gas investment could fall to as low as $ 40 billion in 2015 and even lower in 2016.

thanks, and yes, a pittance of a pension and regular checkups keep us on budget and head off any problems — best decision i ever made (financial or otherwise) was serving our country doing search - and - rescue, oil and chemical spill remediation, etc. (you can guess the branch of service)-- along the way, frugal living, along with dollar - cost averaging, asset allocation, and diversification allowed us to retire early — Vanguard has been very good over the years, despite the Dot Bomb, 2002, and the recession (where we actually came out better with a modest but bargain retirement home purchase)... it's not easy building additional «legs» on a retirement platform, but now that we're here, cash, real estate, investments and insurance products, along with a small pension all help to avoid any real dependence on social security (we won't even need it at full retirement age)-- however, like nearly everybody, we're headed for Medicare in several years, albeit with a nice supplemental and pharmacy benefits — but our main concern is staying fit, active, and healthy!

Because low - risk investments return roughly 20 % on average in a country with 20 % nominal GDP growth, financial repression means that the benefits of growth are unfairly distributed between savers (who get just the deposit rate, say 3 %), banks, who get the spread between the lending and the deposit rate (say 3.5 %) and the borrower, who gets everything else (13.5 % in this case, assuming he takes little risk — even more if he takes risk).

If returns on investments in your account over the next 35 years average 7 percent and fees and expenses reduce your average returns by 0.5 percent, your account balance will grow to $ 227,000 at retirement, even if there are no further contributions to your account.

And on the way down — even as commodity prices fell sharply and mining investment declined — growth in GDP, employment and wages was only a little weaker than average.

Even measured against this bull market's impressive results, technology stocks have been excellent investments, outpacing the 19.4 percent annualized return of Standard and Poor's 500 - stock index by four percentage points per year, on average, since...

Its more likely that you bought stocks long before the most recent market bottom and you may have just got back to even or possibly even lost a substantial portion of your average investments.

Although the largesse is restricted to blue - chip eurozone companies such as food producer Danone or telecoms giant Telefónica, ECB - injected liquidity has spilled into the rest of the market, paring average interest rates on investment - grade corporate debt by some 30 basis points to an even 1 %, Deloitte estimates.

One in six institutional investors, in another survey, projected gains of more than 20 % annually on their investments in venture capital — even though such funds, on average, have underperformed the stock market for much of the 2000s.

Investors are all too aware that 2015 has been a difficult year, with most of the popular investment averages showing modest gains or declines, and most active managers having fallen short even of these disappointing benchmarks.

Essentially, Selsick examined the Shiller P / E (the S&P 500 divided by the 10 - year average of inflation - adjusted earnings), and showed that the multiple is even better correlated with actual subsequent S&P 500 total returns using 16 - year smoothing and a 16 - year investment horizon.

For the most part, lump sum investing outperformed dollar cost averaging two out of every three times, «even when results are adjusted for the higher volatility of a stock / bond portfolio versus cash investments.»

Now, the average Monevator reader would probably not have too much difficulty in constructing a portfolio of passive index funds and ETFs — or even shares or investment trusts.

But even within the past few months, spreads between investment - grade corporates and Treasuries remain above historical averages.

Even though investing in the best decile of a composite of value factors averages out to have excess returns of almost four percent annualized, when looking at shorter investment periods it only works a little better than two out of three years on a one - year basis.

Likewise, there was a four - year period between 2005 and 2009 when owners of The Hershey Company saw their investment decline on paper by more than 50 percent even though chocolate sales were increasing, on average, and dividends were growing.

But even after the event no one would know whether the average results in terms of the sums invested had exceeded, equalled or fallen short of the prevailing rate of interest; though, if we exclude the exploitation of natural resources and monopolies, it is probable that the actual average results of investments, even during periods of progress and prosperity, have disappointed the hopes which prompted them.

While we don't make investment decisions based on how the market as a whole is trading or even the underlying sectors, we do think it is notable that today approximately 80 % of the fund holdings are members of the Technology, Industrials, and Consumer Discretionary sectors and that each of these sectors are currently trading below their average PE ratios over the past 30 years.

They realize that as a practical matter, the average person is going to find the purchase of physical investment gold too difficult and intimidating to pursue, and will gravitate to electronic gold, even though some of them might buy some Maple Leafs.

Even more astonishing, between Dec. 31, 1998, and the end of last year, a portfolio of laddered GICs — a strategy in which an investment is staggered over short - and long - term GICs and then rolled over as they mature — generated an average annual return of 3.9 per cent.

Jesus... Wilshire was probably our best play and even below par is way above an above average elneny... There are simply too many third rate players brought in by wenger and he is no longer able to cultivate quality youngsters... at best ephemeral types like bellerin and Iwobi... He needs to go along with the greedy yank for whom we are just an asset class in his investment portfolio

For a Northern California household in a region served by the Pacific Gas & Electric utility, a one - time investment of $ 1,150 for 30 LED - based light bulbs of 60 watts at a cost of $ 35 each would pay itself back within two and a half years even if the bulbs operate only three hours per day on average, the J.P. Morgan report says.

On average, data - based capital contributed just 0.015 per cent to UK GDP each year over the period studied by the team, even though investment in data - based assets in the UK reached US$ 7 billion in 2013 — which equates to around 40 per cent of the amount invested in R&D.

With more than 115,000 sugar daddies averaging $ 50 a month in membership fees, and some paying more to belong to the exclusive Diamond Club, it's safe to assume Wade's investment has more than paid off — and that's not even including advertising revenue.

Specific topics covered include, cash flow forecasting, break - even analysis, decision trees, critical path analysis, special order decisions, sales forecasting (moving averages), investment appraisal, balance sheets, income statements, financial ratios, price and income elasticity, straight line depreciation and budgeting variances.

Third, even if graduate degrees remain a good investment on average, black students clearly face substantially greater financial risk in pursuing them given their higher levels of borrowing and lower average earnings.

Despite much optimism, no one sees this as a panacea in post-Proposition 13 California where investment in education has, for decades, languished below the national average and sank even lower during the recession.

As for resale, Kelley Blue Book expects the 4 - cylinder base models to retain better - than - average residual values, and the V6 Access Cab and Double Cab models to do even better, so the 2015 Tacoma represents a very good long - term investment.

Over time these volatile periods in the stock market's history have «evened» out to a real «average return» of 8 %, however, unless your investment time frame is 50 or more years, you can not rely on these skewed returns with any degree of certainty.

Even if your 401 (k) has limited investment choices or higher - than - average fees, get the full company match.

Even if a 401 (k) has limited investment choices or higher - than - average fees, carve out enough money from your paycheck to get the full company match, aka a guaranteed return on those investment dollars.

A person we knew was trying to convince us that it was better to pay off the mortgage, even though our investments have averaged about 10 % / year for a long time (they're a combination of stocks and some partnerships we're in).

Although stocks are currently priced relatively high, in reality there are few useful alternatives for securing even an average return on investment.

Because covered and noncovered shares are treated as if held in separate accounts, you can't average these two categories of shares together, even if they're in the same investment account.

My personal experience proved that lumpsum investing is better than STP for 6 to 12 months as I invested in 5 hybrid equity balanced funds for an amount of 12 lakhs on 1st January 2016 when markets were all time high, but, immediately after I invested, markets started to fall with some corrections for few months and my portfolio was down by 1.5 lakhs versus my investment at some point but now my portfolio is up by 1.2 lakhs where there is an appreciation of 14 % till date, some people even suggested me to go for STP over 6 to 12 months to average out but I believed in this lumpsum investing than STP as I did not need this anount for upto 5 years.

«Even with small caps lagging, the valuations in our view are still well above long - term averages,» says Kate Warne, investment strategist at Edward Jones in St. Louis.

Even a seemingly small annual fee such as 1.27 %, the average U.S. mutual fund fee, can take away almost 30 % of your investment return when compounded over 10 years.

The average of 166 investment clubs underperformed the market by 3.8 % annually and even underperformed the average individual investor's return.

That bite, on average, is shrinking, but academic and industry experts say it could — even should — be diminishing faster: Plenty of investment companies still charge a lot, and many consumers still opt for pricey funds.

But long term, even if your investment picks are better than average, any edge will likely be more than offset by the costs you incur, including these trading costs:

Some active strategies that appear significantly better than passive investing have positive relative return not through distinctive stock (or other investment vehicle) picking or timing, but since their active investment strategy effectively increases their market risk exposure (higher average beta of their holdings, perhaps via a not even deliberate choice of which market segments they overweight).

Back to the point — Billions and even trillions of dollars of hard - earned money of the average individual are under management at these large institutional funds and their money is often whipped from one investment to another with little research or analysis.

The pricing and liquidity of these hedges means that the average investment policy statements would consider the asset swaps under the illiquid asset category which currently precludes many plans from even participating in domestic private placement issues.

We learned even though some of our highest returns were from opportunistic investments, our performance was below average when we considered our losses and permanent capital losses such as with retailer Body Central.

Wexboy is nice enough to add almost a year to the average life expectancy of the old folks in his spreadsheet, and I think the proper discount rate is probably even closer to the risk - free rate (near zero these days...) than the yield of investment grade bonds.

Even though long - term returns may be higher on average for equity investments, there is a risk that the value of equity investments might fall at any time so your investment is worth less than the amount you paid for it.

I was ready to stuff my savings into a jar under my matress, but I had read about dollar cost - averaging before, and was determined to see if it worked firsthand (Even if it didn't work, I would be out maybe $ 5 grand tops in investment losses over the next year, which really isn't much for a fresh graduate, who would then be armed with that information: «dollar cost averaging doesn't always work.»

The average college graduate starts to break even on their investment in college around age 31, assuming they attained a 4 year degree, according to the College Board (SOURCE: The College Board, Education Pays 2016, Figure 2.2 B) And college graduates earn much more than their peers who didn't attend college, as you can see below.

Even the best investment professional must expect that not more than two thirds of his decisions will prove to be above average in profits.