Sentences with phrase «income credit risk»

The relationship between fixed income credit risk and historical returns is depicted below.

Not exact matches

These loans, often made to borrowers with bad credit, no job, and no income turned into a systemic risk that eventually sent the world into its worst economic crisis since The Great Depression.

Overall, this augurs for globally diverse fixed income exposures, including a preference for up - in - quality credit exposures and an allocation to emerging market debt for investors who can tolerate the added risk.

In other words, when markets are volatile and there are worries about a recession, interest rate exposure can help offset credit risk in a fixed income portfolio.

If you have a stable job and a strong income, many credit card companies will be willing to take a small risk and give you a small credit limit.

Investments in fixed - income securities, including municipal securities, are subject to interest rate, credit / default, liquidity, inflation, prepayment, extension and other risks.

Fixed - income securities also carry inflation risk and credit and default risks for both issuers and counterparties.

Fixed income investments entail interest rate risk (as interest rates rise bond prices usually fall), the risk of issuer default, issuer credit risk and inflation risk.

Bottom line: The credit markets and income strategies in equity volatility are exposed to similar risks.

Fixed - income securities also carry inflation, credit, and default risks for both issuers and counterparties.

Its Wholesale Banking segment offers commercial loans and lines of credit, letters of credit, asset - based lending, equipment leasing, international trade facilities, trade financing, collection, foreign exchange, treasury management, merchant payment processing, institutional fixed - income sales, commodity and equity risk management, corporate trust fiduciary and agency, and investment banking services, as well as online / electronic products.

The PMI companies noted an uptick in mortgage borrowers with debt - to - income above 45 % along with other credit risks in the latter half of 2017.

Lower - quality fixed income securities involve greater risk of default or price changes due to potential changes in the credit quality of the issuer.

Because the purpose of a bond ladder is to provide predictable income over a long period of time, taking excessive amounts of credit risk probably doesn't make sense.

Private student loan lenders make refinancing available to well - qualified borrowers, which means there is a review of income, credit history and score, and other factors that show the borrower is a low risk to the lender.

That's because many of the benefits of bond ladders — such as an income plan and managing interest rate and credit risk — are based on the idea that you keep your bonds in your portfolio until they mature.

«Laddering bonds may be appealing because it may help you to manage interest rate risk, and to make ongoing reinvestment decisions over time, giving you the flexibility to invest in different credit and interest rate environments,» says Richard Carter, Fidelity vice president of fixed income products and services.

Fixed - income investments are subject to various other risks including changes in credit quality, market valuations, liquidity, prepayments, early redemption, corporate events, tax ramifications, and other factors.

a criteria used to evaluate the creditworthiness, or risk of default, of an individual fixed - income security; generally expressed through ratings provided by one of the credit ratings agencies

Fixed Income investing entails credit risks and interest rate risks.

One way to diversify traditional fixed income investments is to consider strategies that shift away from highly indebted companies and offer a balance between interest rate and credit risk... while still providing an attractive yield.

Fixed income securities involve interest rate, credit, inflation and reinvestment risks; and possible loss of principal.

Whereas the cash flow statement and balance sheet are still very important considerations in the High Yield Dividend Newsletter, we put put a greater focus on credit assessments and qualitative, subjective considerations given the riskier nature of such higher - yielding ideas, both with respect to income sustainability and subsequent valuation (share price risk).

When you apply for a policy, the insurance company may take a look at your credit and debt - to - income ratio to gauge your risk level.

Still, ongoing demand for financing amid a low income environment and slightly higher interest rates suggests that credit risks in the farm sector still remain a focus for 2018.

Fixed income investments are subject to various risks including changes in interest rates, credit quality, inflation risk, market valuations, prepayments, corporate events, tax ramifications and other factors.

The «broad market» in fixed income is typically measured by the Bloomberg Barclays U.S. Aggregate Index (Bloomberg Barclays Aggregate), which is market - cap weighted and has historically had an approximately 90/10 split between interest rate risk and credit risk.

Combining interest rate risk and credit risk together in a fixed income portfolio, e.g. iShares Edge U.S. Fixed Income Balanced Risk ETF (FIBR), has the potential to generate income while potentially decreasing interest rate rrisk and credit risk together in a fixed income portfolio, e.g. iShares Edge U.S. Fixed Income Balanced Risk ETF (FIBR), has the potential to generate income while potentially decreasing interest rate rrisk together in a fixed income portfolio, e.g. iShares Edge U.S. Fixed Income Balanced Risk ETF (FIBR), has the potential to generate income while potentially decreasing interest rateincome portfolio, e.g. iShares Edge U.S. Fixed Income Balanced Risk ETF (FIBR), has the potential to generate income while potentially decreasing interest rateIncome Balanced Risk ETF (FIBR), has the potential to generate income while potentially decreasing interest rate rRisk ETF (FIBR), has the potential to generate income while potentially decreasing interest rateincome while potentially decreasing interest rate riskrisk.

His former colleague and incoming Federal Reserve Chair Powell also expressed a similar view, calling Fed's balance sheet expansion tantamount to «short volatility position,» and private capital displaced by Fed's outsized presence would «find something else to do,» such as adding duration, credit and liquidity risk with implicit understanding that the central bank «will be there to prevent serious losses:»

According to an internal Fannie Mae document, a review of the group's current «risk appetite, eligibility requirements, mortgage insurance options, and pricing» spawned changes spanning credit scoring, income requirements, loan - level pricing adjustments.

The global search for yield has driven many fixed income investors into unfamiliar territory, leading them to embrace more credit risk and even venture beyond the bond markets — not just into dividend - paying equities but also into selling equity options.

Because this feature is considered a higher risk, it's usually only available to borrowers with excellent credit and stable income.

The Oakmark Equity and Income Fund invests in medium - and lower - quality debt securities that have higher yield potential but present greater investment and credit risk than higher - quality securities, which may result in greater share price volatility.

Fixed Income risks include credit, liquidity, call, duration, and interest - rate risk.

Two important bond measurements — credit quality and duration — can give you a good indication of the income you might receive and the risk you are taking on to pursue that income.

Unlike its duration - neutral sister fund HYZD, HYND is suitable for investors who seek to profit from an upward - interest - rate path or to use the fund as a tool to shorten their fixed - income portfolio duration, all the while maintaining credit risk exposure.

Investments in fixed - income securities are subject to interest rate, credit / default, liquidity, inflation and other risks.

Fixed income risks include interest rate and credit risk.

A money market mutual fund is a type of fixed income mutual fund that invests in debt securities characterized by their short maturities and minimal credit risk.

Fidelity ® Short Duration High Income Fund (FSAHX) This fund might be appropriate for investors looking for higher yield who are willing to take on more credit risk while limiting interest rate risk.

Money market funds are fixed income mutual funds that invest in debt securities characterized by short maturities and minimal credit risk.

We are watching all of this play out real - time as fixed - income fund flows are broadly shunning sectors with embedded credit and / or duration risks, in favor of freshly attractive, and lower risk, high - carry assets.

Fidelity ® Conservative Income Municipal Bond Fund (FCRDX) This fund, whose income is normally exempt from federal income taxes, might be appropriate for investors looking for more yield than money market funds are providing, and wanting to take a more conservative approach to both credit and interest rate risk than many other bond Income Municipal Bond Fund (FCRDX) This fund, whose income is normally exempt from federal income taxes, might be appropriate for investors looking for more yield than money market funds are providing, and wanting to take a more conservative approach to both credit and interest rate risk than many other bond income is normally exempt from federal income taxes, might be appropriate for investors looking for more yield than money market funds are providing, and wanting to take a more conservative approach to both credit and interest rate risk than many other bond income taxes, might be appropriate for investors looking for more yield than money market funds are providing, and wanting to take a more conservative approach to both credit and interest rate risk than many other bond funds.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

The original aim of universal credit (UC)-- to encourage people to work more hours by letting them keep more of their low wage top - ups as their income rises — has been watered down so much that it risks failing to achieve its original purpose, according to the Resolution thinktank.

Lenders who approve loans for people who have low credit scores and can not demonstrate that they have a stable income are taking a larger risk than when they lend to people with better credit histories.

We are watching all of this play out real - time as fixed - income fund flows are broadly shunning sectors with embedded credit and / or duration risks, in favor of freshly attractive, and lower risk, high - carry assets.

BlackRock's first fixed income smart beta ETF, iShares US Fixed Income Balanced Risk (INC), factors in this dynamic and seeks to generate income through a diversified portfolio that balances the primary components of returns — interest rate and creditincome smart beta ETF, iShares US Fixed Income Balanced Risk (INC), factors in this dynamic and seeks to generate income through a diversified portfolio that balances the primary components of returns — interest rate and creditIncome Balanced Risk (INC), factors in this dynamic and seeks to generate income through a diversified portfolio that balances the primary components of returns — interest rate and credit rRisk (INC), factors in this dynamic and seeks to generate income through a diversified portfolio that balances the primary components of returns — interest rate and creditincome through a diversified portfolio that balances the primary components of returns — interest rate and credit riskrisk.

If you have a high credit score, stable disposable income, and proper money management, there's very little risk involved.

Fixed income risks include credit, liquidity, call, duration, and interest - rate risk.