Sentences with phrase «of return on cash value»

While the guaranteed rate of return on the cash value may be lower than other financial products, it can lower the overall volatility of a portfolio (though this benefit assumes you have a breadth of existing investments).

If you are thinking about a whole life policy, then the rate of return on the cash value can also affect the premium rates.

The rate of return on the cash value is fixed when the policy is purchased, and usually hovers around 4 %.

Whole life sounds fancy, but it's much more expensive and the rate of return on its cash value is pretty low.

Universal life offers the possibility of a lifetime benefit and a guaranteed rate of return on cash value, with the flexibility of premiums and death benefits.

It is only then can you really calculate the so called rate of return on the cash value portion of your whole life insurance policy.

Universal life plans will perform better in a higher interest rate environment and rates of return on the cash value will change on a yearly basis.

The insurance company then guarantees a fixed rate of return on your cash value, averaging around 4 % depending on your provider.

In a whole life policy, there is a guaranteed death benefit and often a low guaranteed rate of return on the cash value of your policy.

If you are inclined to buy whole or universal life insurance because of its lifelong protection and investment component, imagine paying $ 5,000 or more in premiums for the rest of your life and getting a guaranteed 4 % rate of return on your cash value.

Also, it's important to note the fluctuating rate of return on cash value in this particular whole life insurance policy.

If you're considering a whole life or universal policy, the rate of return on the cash value will also drive the premium up or down.

With interest - sensitive whole life insurance, you can have more flexibility with your life insurance policy such as increasing your death benefit without raising your premiums depending on the economy and the rate of return on your cash value portion.

Whole life policies may also provide a rate of return on the cash value — ignore the death benefit — that is better than the returns on other fixed - income investments that have more risk.

Premiums and the rate of return on the cash value accumulation are guaranteed.

You also get a guaranteed rate of return on your cash values.

It provides you with the certainty of a guaranteed amount of death benefit and a guaranteed rate of return on your cash values.

Most Universal Life policies will also provide a guaranteed rate of return on your cash values, with one important exception.

This contrasts with a fixed deferred annuity, which earns a fixed, guaranteed rate of return on cash values.

You also get a guaranteed rate of return on your cash values.

Whole Life policies provide a guaranteed amount of death benefit (in this case $ 250,000) and a guaranteed rate of return on your cash values.

Annuity, Fixed Deferred An annuity that earns a fixed, guaranteed rate of return on cash values.

Whole life, according to LIFE, provides you with a guaranteed death benefit and a guaranteed rate of return on your cash values.

The overall rate of return on the cash values inside traditional whole life contracts has not always been competitive in a before - tax comparison with alternative investments.

Not exact matches

In a note, analyst Michael Senno wrote that «as an owner of sports cable networks and teams, we believe that MSG is well positioned to capitalize on the increasing value of premium sports content, which should result in AOCF and free cash flow growth above its peers and, combined with incremental leverage, lead to solid shareholder returns.»

CBO's measure of before - tax comprehensive income includes all cash income (including non-taxable income not reported on tax returns, such as child support), taxes paid by businesses, [15] employees» contributions to 401 (k) retirement plans, and the estimated value of in - kind income received from various sources (such as food stamps, Medicare and Medicaid, and employer - paid health insurance premiums).

The performance goals upon which the payment or vesting of any Incentive Award (other than Options and stock appreciation rights) that is intended to qualify as Performance - Based Compensation depends shall relate to one or more of the following Performance Measures: market price of Capital Stock, earnings per share of Capital Stock, income, net income or profit (before or after taxes), economic profit, operating income, operating margin, profit margin, gross margins, return on equity or stockholder equity, total shareholder return, market capitalization, enterprise value, cash flow (including but not limited to operating cash flow and free cash flow), cash position, return on assets or net assets, return on capital, return on invested

This is utterly different from true discounting - which does not rely on multiples, but instead carefully traces out the likely path of future revenues, profit margins, cash flows and earnings over time, and explicitly discounts expected payouts and probable terminal values back at an appropriate rate of return.

Financial risk: The potential for gain or loss on a financial level measured in terms of revenue, return on investment, return on equity, shareholder value, profitability, debt level, capital expenditures and free cash flow.

Thesis: Management can boost the market value of American Express in the amounts below [1] by aligning the firm's strategy and performance compensation with real cash flows or what we call return on invested capital (ROIC).

While some defend the buyback practice as a method of returning cash to shareholders, others, including my colleague Larry Fink, have argued that some companies today are focusing on maximizing short - term shareholder value at the expense of investing in the future.

Walker has his $ 50,000 campaign cash from the roadbuilders, explaining why he can not look fairly at the costs, value, return on investment and priority of building this first Wisconsin link of the national high speed rail system for Wisconsin.

If $ 300,000 has been contributed on behalf of a teacher (including accumulated returns), then the cash value of an annuity provided to this teacher should also be $ 300,000.

To value commercial investment properties it requires more detailed understandings of things like cash flow, cash on cash return, net operating income and return on equity.

However, the cash dividends paid out over the time period were $ 7.14, and on a total return basis, there was a net gain of $ 1.45 (+ $ 7.14 in cash dividends minus $ 5.69 in stock value decline).

On one end of the spectrum is the fixed index annuity which offers a conservative contractual rate of return applied to the account or cash value growth.

The rate of return (earnings) on the cash - value portion of whole life historically has lagged behind other investments, such as stock mutual funds.

On the opposite end are variable annuities which carry more risk of investment loss AND also may offer the opportunity for higher returns and cash value growth.

Along with a cadre of other misfit value managers that are willing to invest in unusual long - only portfolios aiming for absolute returns while not falling victim to the long / short hedge fund illusion, he happily soldiers on with a boatload of cash, waiting for attractive opportunities to deploy cash.

To give a sense of that, we recently did a global screen of nearly 5,800 non-financial companies with market values greater than $ 300 million, positive free cash flow over the past 12 months, at least an 8 % return on equity over the past 12 months, net debt to EBITDA of no more than 2.5 x and a trailing EV / EBIT multiple of no more than 8x.

This means that you could borrow 100 % of the cash value, and the guaranteed return on the cash as well as the dividends will continue.

As a result, you may find a mutual company's pursuit of more stable, consistent, low risk returns a better option for housing your cash value, then a company that is focused on producing shareholder returns.

In some cases, cash value insurance, specifically whole life insurance, features a minimum rate of return guarantee on funds held in a policy's cash account, which is one of many whole life insurance pros and cons.

Investment returns on whole life insurance are typically lower than other types of permanent insurance, because the insurance company invests the cash value in extremely conservative vehicles, such as bond funds.

The majority of Tildenrow's ideas are generated from a quantitative screen based on free cash flow as a percentage of enterprise value, and on the metric return on invested capital (ROIC).

The team ranks the stocks in this universe based on a series of growth factors, such as the change in consensus earnings estimates over time, the company's history of meeting earnings targets, earnings quality and improvements on return on equity, as well as a series of value criteria, such as price - to - earnings ratio and free cash flow relative to enterprise value.

In addition, your cash value investment options typically have a cap on the maximum rate of return.

CFA's Rate of Return (ROR) service estimates «true» investment returns on any cash value life insurance policy — whole life, universal life (fixed or indexed) or variable universal life (cash values in mutual - fund - like accounts).

As a participant, the policy holder in a mutual life insurance company receives «dividends» on the cash value which is not income but rather a return of premiums.

If you're a real estate investor, the cash value of your policy can be accessed for real estate investments and the return on investment can be exponential because you're making a return on the funds already in your policy... («it's your money») as well as the return on your real estate investment.