Sentences with phrase «hypothetical rates of»

The hypothetical rates of return shown in this chart are not guaranteed and should not be viewed as indicative of the past or future performance of any particular investment.

The return assumptions are based on hypothetical rates of return of securities indices, which serve as proxies for the asset classes.

Researchers tested a blizzard of potential «drawdown strategies» — that is, hypothetical rates of spending in retirement, mapped against investment returns on people's savings — to analyze which had the best chance to keep up with inflation and sustain a portfolio through a long retirement.

Any hypothetical rate of return used does not reflect actual performance or predict future results of the program.

The typical death benefit rider today promises the beneficiary the greatest of either the current contract value, its highest value on the date of the contract anniversary or a value based on a guaranteed hypothetical rate of growth.

The values are based on a hypothetical rate of return and a weightedaverage of the advisory fees and operating expenses of each of the investment divisions underlying the policy.

Not exact matches

If that hypothetical student borrowed using a federal direct loan for graduate school, which had a rate of 5.84 percent last academic year, she would have accrued $ 1,682 in interest during the grace period.

Dao points to the hypothetical example of a company that wants to improve customer service ratings, but which has an extensive automated phone tree before customers can talk to an actual person.

Many of the arguments against zero - rating are based in hypotheticals, but these intentions are not.

If Digital Foundry's hypotheticals are accurate, it means Microsoft's souped up Xbox One stands a much better chance of hitting native 4K resolutions at playable frame rates.

A 10 - times return over six years, a hypothetical holding period, means an investor rate of return of 46 percent, although returns are inherently diluted by other investments in the portfolio.

I did the math, and to be comparing apples with apples I took my hypothetical income after California taxes (I am paying higher rent for at least a part of my tax benefit after all) and I get to a post - tax / personal savings rate (excl.

The Fidelity Fixed Income Analysis Tool can help you manage cash flow, understand the composition of your fixed income portfolio, and estimate how interest rate changes may affect the value of your individual positions, hypothetical positions, and your overall portfolio.

We've created a new tab in the Fixed Income Analysis tool that can help you estimate the hypothetical impact of interest rate changes on the value of individual bonds and bond funds.

footnote † † † This hypothetical example assumes a 6 % rate of return, a 4 % inflation rate, that expense ratios are cut from 0.80 % to 0.30 %, that withdrawals are adjusted for inflation, and that the entire portfolio is liquidated over 35 years.

For those age 50 or older, one $ 6,500 yearly contribution could grow to more than $ 69,000 in 35 years.5 We used a hypothetical 7 % long - term compounded annual rate of return and assumed the money stays invested the entire time.

This hypothetical illustration assumes the investor met the holding requirement for long - term capital gains tax rates (longer than one year), the gains were taxed at the current maximum federal rate of 23.8 %, and the loss was not disallowed for tax purposes due to a wash sale, related party sale, or other reason.

This hypothetical example assumes the following: (1) one $ 5,500 IRA contribution made on January 1, (2) an annual rate of return of 7 %, and (3) no taxes on any earnings within the IRA.

The hypothetical examples assume the following: one annual $ 5,500 or $ 6,500, IRA contribution made on January 1 of the first year, a 7 % annual rate of return, and no taxes on any earnings within the IRA.

These projections are based on a hypothetical 6 % rate of return less a 0.25 % low - cost annual annuity charge, and a 6 % rate of return less a 1.26 % annual annuity charge, which is the national industry average annual charge as of 12/31/2016, according to Morningstar, Inc..

If a hypothetical investor began contributing and investing $ 5,500 to an IRA at age 25 and keep making the same annual contribution until age 65, you could potentially accumulate $ 703,119 — assuming a 5 % rate of return.

In Figure 1, we break down an estimate of the peak annual sales revenues for a hypothetical biotech drug in a competitive market with a potential market size of 1 million patients, an estimated sales price of $ 20,000 per year and a royalty rate of 10 %.

This is because a large majority of homeowners sell their home before their hypothetical adjustable - rate mortgage would ever begin to adjust.

Poloz's main argument for leaving interest rates low is that the obvious damage from an extended period of weak economic growth outweighs the hypothetical risk of a housing bust.

So the answer to the question I posed above is that, provided the variability of interest rates has also fallen in proportion to the fall in the average interest rate level — which it has — the hypothetical household in 2003 is in no riskier a position than the hypothetical household in 1993.

If, as in the hypothetical example above, it is entirely due to a fall in the level of interest rates and a commensurate fall in the variability of interest rates, then risk has not increased.

It is therefore reasonable to conclude that if the limb size in our hypothetical population evolved in the most conservative manner, it need only increase at a rate of 0.005 cm per generation (= 50 cm / 10, 000 generations), despite its abrupt appearance in the geological record.

We assumed that breastfeeding does not influence the costs of childbearing and discounted future costs by 3 % per year, the social discount rate, to the year when our hypothetical women were aged 25 years, the mean age of U.S. women at first birth.14 We performed sensitivity analyses with discount rates of 0 % and 5 %.

The graph is a hypothetical representation of the relationship between government revenue raised by taxation and all possible rates of taxation.

However, there is a large gap between Bloomberg's job approval rating — 59 % — and the proportion of electoral support he would receive when pitted against hypothetical opponents.

Participants in the study were asked to evaluate a series of hypothetical online experiences and rate to what degree the experiences met their privacy expectations and conformed to privacy notices.

Atchley's team asked volunteers to read hypothetical car - crash scenarios, rate the responsibility of the drivers and mete out justice.

The initial study did not factor in natural birth and death rates, since the hypothetical epidemic took place over 100 days, resulting in natural births and deaths being negligible compared to the impact of the zombie virus over a short time frame.

Under those specifications, the hypothetical human brain grew as big as ancient humans» brains are thought to have grown, and the slow growth rate matched that of modern human brains.

Alessandro Vespignani of Indiana University has calculated the chance the virus will emigrate, using a model that combines detailed travel data, incubation times and the rate of increase of the epidemic, with a range of hypothetical, random travel events (PLoS Current Outbreaks, doi.org/vvd).

With no differences between the two hypothetical groups other than the length of the sentence, even 3 extra months in prison led to higher incarceration rates over time.

Physicians of the Partners HealthCare System will be presented hypothetical whole genome sequencing reports and asked to rate the likelihood that they would seek more information.

It's why the use of VAM (Value Added Measures) can not contribute valid or reliable data to a teacher's effectiveness rating — because VAM is a predictive model based on comparing a set of actual student test scores against a hypothetical group of scores.

When asked to rate several ebook lending models — including hypothetical lending models, models that are currently in use, and models that employ embargo periods — a majority of respondents ranked only one as «reasonable.»

Over the years I have found that it's helpful for people to study some tables of numbers that show hypothetical investment returns and withdrawal rates.

This hypothetical example assumes the following: a starting annual gross salary of $ 60,000 with a salary increase of 4 % (2.5 % inflation + 1.5 % real salary growth rate) each year; pre-tax contributions of 15 % of salary annually (that 15 % includes any contribution you may get from your employer) at the end of the year for 42 and 32 years, respectively; and an annual rate of return of 5.5 %.

Plugging in some hypothetical numbers into the tool (50 yr old; $ 600K inside an individual IRA; Modest expected annual rate of return = 4 %) provides RMD for his / her age 70.5.

As with all hypotheticals, this example does not represent the performance of any specific investment and the earnings would be subject to taxation upon withdrawal at then - current rates and subject to penalties for early withdrawal.

Net interest margin is similar to Net Interest rate spread in that both refer to the percent a company earns on assets once the cost of borrowing those assets is taken into account, but Net Interest Rate Spread is a hypothetical number that a company could earn if all assets were borrowed and invested at the going rarate spread in that both refer to the percent a company earns on assets once the cost of borrowing those assets is taken into account, but Net Interest Rate Spread is a hypothetical number that a company could earn if all assets were borrowed and invested at the going raRate Spread is a hypothetical number that a company could earn if all assets were borrowed and invested at the going rates.

Mr. Milevsky has run, using the Monte Carlo technique, millions of computer simulations on hypothetical retirees with different withdrawal rates, life spans, start dates, asset allocations and other relevant variables.

This means that, for a share class that doesn't have a 1, 3 -, 5, or 10 - year performance history, the rating shown is a hypothetical Morningstar Rating based first on the oldest active surviving share class of the fund and then any dormant or liquidated share clrating shown is a hypothetical Morningstar Rating based first on the oldest active surviving share class of the fund and then any dormant or liquidated share clRating based first on the oldest active surviving share class of the fund and then any dormant or liquidated share classes.

Estimate based on a hypothetical couple retiring in 2017, 65 years old, with life expectancies that align with Society of Actuaries» RP - 2014 Healthy Annuitant rates with Mortality Improvements Scale MP - 2016.

This hypothetical example shows that if you started with an initial investment of $ 75,000 in a taxable account over a 30 - year time - frame, it would grow to $ 266,740, assuming a 6 % rate of return.

To do so, we considered an individual with a hypothetical budget of $ 1,000 — the sum here really doesn't matter, the rewards rates will apply to your total spending as well.

This hypothetical example assumes the following: (1) one $ 5,500 IRA contribution made on January 1, (2) an annual rate of return of 7 %, and (3) no taxes on any earnings within the IRA.