Sentences with phrase «risk class based»

Working off of actuarial tables that are drawn from the company's claims history, an underwriter will place you in a risk class based on your condition.

Not exact matches

Remember though, if you default on a secured loan then the assets or asset class you used as a security could be seized by the creditor in a Court procedure that could also put your company out of business, so there is some element of risk to consider with asset - based financing.

Based on an initial questionnaire about your investment needs, financial background, and risk tolerance, they allocate your money among asset classes (e.g. stocks, bonds, real estate), then use algorithms to monitor and periodically rebalance your portfolio.

Looking at a simple asset allocation, a theoretical allocation to long - dated U.S. bonds (+20 years) fluctuates from as low as 3 % to as high as 25 % based on changes to the risk model, i.e. correlation of different asset classes.

Based on modern portfolio theory and the efficient frontier, return is maximized for a given level of risk through asset class diversification.

You can't begin to think about individual asset allocation models until you figure out which asset classes are appropriate for you based on your age, time frame, financial resources, experience, personality, desires, objectives, goals, and risk tolerance.

Founded in 2015 and based in Dallas, Texas, Pearl's investment strategy is straightforward — leverage the team's deep - rooted relationships in the energy industry to partner with best - in - class management teams pursuing attractive risk - reward opportunities in the upstream, midstream, and service sectors.

To build a diversified portfolio, an investor generally would select a mix of global stocks and bonds based on his or her individual goals, risk tolerance and investment timeline.2 The chart below highlights how those broad asset classes have moved in different directions over the past 20 years.

In a Mar. 18 letter to G20 central bankers and finance ministers, Carney gave a low - risk assessment of cryptocurrencies on the basis that the new asset class was small relative to the global financial system.

On January 19th, 2016, a federal judge preliminarily approved a class action settlement on behalf of JPMC shareholders who alleged suffering losses as a result of the bank's supplying false and misleading statements concerning the risks and losses arising from the secret proprietary trading activities of the «London Whale,» a rogue London - based JPMC trader who caused the bank to suffer $ 6.2 billion in losses.

In October 2014, ICE purchased SuperDerivatives, a market data and analytics provider specializing in derivatives pricing models across all asset classes, risk analysis and cloud - based market technology, as well as a chat platform that is similar to competitors such as Bloomberg.

Companies that make the publication are best - in - class within their respective sectors based on our assessment of their competitive position and underlying business risk.

They measure long - term risk as the probability that portfolio value is below its initial value after ten years from 10,000 Monte ‐ Carlo simulations based on expected asset class returns, pairwise asset return correlations, inflation, investment alpha (baseline constant 1 % annually) and withdrawals (baseline approximately 5 % annual real rate).

Like I already said, Walcott may be class as a CF, but why take that risk based on what we already know and what we badly need?

Or drop into a prenatal yoga class — research has found that exercise - based prenatal yoga combined with meditation, deep relaxation and breathing exercises significantly reduces depression risk.

«Based upon that brief, last - minute phone conversation, the plan is unacceptable and continues to create a second - class citizen status for FDNY firefighters and NYPD police officers, who risk their lives every day to keep New Yorkers safe,» the statement said.

The Lariat device received FDA 510 (k) class II (intermediate risk) clearance for soft tissue approximation in June 2006 based on stated «substantial equivalence» with other devices used to place sutures during laparoscopic surgeries or vein harvesting.

To illustrate potential mutation - specific effects on absolute cancer risks, we used the hazard ratio estimates to derive approximate absolute risks and 95 % confidence intervals, based on published estimates for the overall risks of breast and ovarian cancer by age 70 years.26 These estimates are for illustration and do not represent absolute risk estimates that would be required in a genetic counseling setting, as they do not account for noncancer outcomes that may influence a woman's life expectancy, the effects of family history, and nonrandom ascertainment of mutation carriers in this sample and depend on assumptions about the prevalence of different mutation classes in the population.

The capture of the risk factor data is part of a comprehensive intake process that also involves determining how far a student is from graduation based on the number of course credits they arrive with, and every student is placed into classes based on their competency level as determined by pre-enrollment testing.

(James J. Barta and Michael G. Allen); «Ideas and Programs To Assist in the Untracking of American Schools» (Howard D. Hill); «Providing Equity for All: Meeting the Needs of High - Ability Students» (Sally M. Reis); «Promoting Gifted Behavior in an Untracked Middle School Setting» (Thomas O. Erb et al.); «Untracking Your Middle School: Nine Tentative Steps toward Long - Term Success» (Paul S. George); «In the Meantime: Using a Dialectical Approach To Raise Levels of Intellectual Stimulation and Inquiry in Low - Track Classes» (Barbara G. Blackwell); «Synthesis of Research on Cooperative Learning» (Robert E. Slavin); «Incorporating Cooperation: Its Effects on Instruction» (Harbison Pool et al.); «Improving All Students» Achievement: Teaching Cognitive and Metacognitive Thinking Strategies» (Robert W. Warkentin and Dorothy A. Battle); «Integrating Diverse Learning Styles» (Dan W. Rea); «Reintegrating Schools for Success: Untracking across the United States» (Anne Wheelock); «Creatinga Nontraditional School in a Traditional Community» (Nancy B. Norton and Charlotte A. Jones); «Ungrouping Our Way: A Teacher's Story» (Daphrene Kathryn Sheppard); «Educating All Our Students: Success in Serving At - Risk Youth» (Edward B. Strauser and John J. Hobe); «Technology Education: A New Application of the Principles of Untracking at the Secondary Level» (N. Creighton Alexander); «Tracking and Research - Based Decisions: A Georgia School System's Dilemma» (Jane A. Page and Fred M. Page, Jr.); and «A Call to Action: The Time Has Come To Move beyond Tracking» (Harbison Pool and Jane A. Page).

As a world first in the compact class, the concept car features a radar - based collision warning system with adaptive Brake Assist, which lowers the risk of rear - end collisions.

The A-Class is the only vehicle in its class to feature as standard a radar - based collision warning system with adaptive Brake Assist, which lowers the risk of rear - end collisions.

Requiring this case to be litigated on an individual basis would risk disparate results in nearly identical suits and exponentially increase the cost of litigation... Class action, by contrast, would achieve economies of time and effort, resolving common legal and factual issues «without sacrificing procedural fairness or bringing about other undesirable results.»

One thing that I want to make clear is that this doesn't mean that all multi-asset class portfolios will underperform the S&P 500 Index on a risk - adjusted basis.

Corporate bonds, just like stocks, are classed by risk based on thee size of the company, with smaller companies generally seen as riskier.

Instead, they allocate assets based upon long - term historical data delineating probable asset class risks and returns, diversify widely within and across asset classes, and maintain allocations long - term through periodic rebalancing of asset classes.

Users can provide their requirements for return expectations, risk appetite, investment spread etc and based on these preferences, personalized recommendations on investment classes along with capital segregation and return period are provided back to the user.

Putnam funds with four - or five - star overall rating for class Y shares in their Morningstar category based on risk - adjusted returns.

Investing in commodities indices that are constructed using long or short positions in futures on physical commodities whose value is determined based on the price of the underlying physical commodity plus yield and that trade on public markets that provide adequate liquidity and transparency, with negligible costs and no storage deterioration risk, offer a practical method to gaining commodities exposure and can provide a means for market participants to access the five components of the returns of the asset class.

Risk is managed by utilizing broad - based options on those same asset classes.

We do not try to predict or judge the prices of individual stocks; instead, we focus on a data - driven, risk - based division of capital across broad asset classes.

Investment in fractional shares: Like other robo - advisors, at Wealthsimple each customer's portfolio of ETFs — the exact mix of growth, international, fixed income, cash and other asset classes — is based on answers to questions about financial goals, investing experience, financial situation and risk tolerance.

You can potentially reduce your investment risk and increase your chances of meeting your investment goals by strategically allocating your investments among each of the major asset classes based on your unique financial goals, risk tolerance, and time horizon.

The information is intended to show the effects on risk and returns of different asset allocations over time based on hypothetical combinations of the benchmark indexes that correspond to the relevant asset class.

First, what the regular static passively - managed asset allocation models are in a nutshell: 17 asset classes are chosen, their weightings are assigned (based on five investor risk temperament levels), and then they're funded using mutual funds.

Therefore, we rebalance client portfolios on a cyclical basis to account for changing relative asset class risk.

Not accounting for the dynamism of relative risks in asset classes means most investors underperform on a risk adjusted basis over the course of the cycle.

Morningstar ratings may vary among share classes and are based on historical risk - adjusted total returns, which are not indicative of future results.

To summarize generically, if you aren't rebalancing your portfolio on a regular basis, at least every 2 - 3 years, then you are not getting the proper risk - reducing benefit from non-correlated asset classes.

Based upon your profile, MarketRiders does what a great investment adviser does, we automatically calculate the right allocations in stocks, bonds, real estate and other asset classes for you based upon your age, time horizon, risk tolerance and investment experiBased upon your profile, MarketRiders does what a great investment adviser does, we automatically calculate the right allocations in stocks, bonds, real estate and other asset classes for you based upon your age, time horizon, risk tolerance and investment experibased upon your age, time horizon, risk tolerance and investment experience.

Rating classes are risk categories that life insurance companies place you in based on the risk you represent.

The risk class is the health classification they assign to the applicant which is typically based on height / weight, age, tobacco use, family health history and personal health history.

As each asset class has varying levels of return and risk, investors should consider their risk tolerance, investment objectives, time horizon, and available capital as the basis for their asset composition.

I have long said that until an asset class goes through a «failure cycle,» risk - based pricing will be weak toward the assets in question.

Risk based capital should higher for securitized assets versus unsecuritized assets in a given ratings class, because of potentially higher loss severities.

Sub-advised by Landry Investment Management Inc. («Landry»), HMA will seek long - term returns by providing exposure to selected global asset classes on a risk - adjusted basis, primarily through investments in ETFs.

Plans have also dropped specialty asset class funds, such as industry - specific equity funds, commodities - based funds and narrow - niche fixed income funds, as these potentially charge higher fees and carry highest investment risks.

The rules based method of these fund naturally picks up different asset classes while staying focused on risk, rebalances toward lower risk / higher returns, while selling high and buying low.

In a risk - optimized framework however, the allocation to both equities and bonds depends on the relative risk associated with each asset class based on their relative volatilities at each rebalance date.

Investors construct their portfolios based on investment goals and risk tolerance by assigning appropriate weights to different asset classes and categories (or how much dough should go to each class).