The standard premium table published by insurers refers to a standard proposal
with average risk quality.
(An insurance company's anticipated loss is based on the company's past experience
with average risk.)
They throw some numbers on a spreadsheet and see that if they can «only» make 10 ticks or pips per day,
with an average risk of 5 - 10 % per trade, they will be a millionaire in 6 months.
A 2013 research review published in Obstetrics and Gynecology examined the results of 55 studies and found that for women
with average risk, using oral contraceptives reduced lifetime risk of ovarian cancer by 40 to 50 %.
In most women
with an average risk of breast cancer, screening doesn't start until at least age 40 and sometimes later.
Doctors are now questioning whether the screening age for colorectal cancer should be lowered in people
with average risk (meaning they have no family history of the disease), says Dr. Cercek.
It addresses topics such as talking
with average risk patients about BRCA1 / BRCA2 testing and when to order a multi-gene panel for breast cancer risk.
«Women with a BRCA mutation have a 40 to 50 percent chance of getting ovarian cancer in their lifetime compared to somebody
with an average risk, who has a 1.8 percent lifetime risk,» she said.
«The results from our study are not practice - changing at this time; however, our findings suggest that using a longitudinal (or change over time) screening strategy may be beneficial in post-menopausal women
with an average risk of developing ovarian cancer,» said Dr. Lu.
Among the changes in the American Cancer Society's updated breast cancer screening guideline is that women
with an average risk of breast cancer should undergo regular, annual screening mammography beginning at age 45 years, with women having an opportunity to choose to begin annual screening as early as age 40; women 55 years and older should transition to screening every other year (vs annual), but still have the opportunity to continue with annual screening; and routine screening clinical breast examination is no longer recommended, according to an article in the October 20 issue of JAMA.
The Task Force further recommends women 50 to 74
with an average risk of breast cancer should get a mammogram every two to three years.
Not exact matches
As jet fuel costs rise in accordance
with oil prices — and already fuel has overtaken labour as airlines» biggest expense — air travel could
risk becoming unaffordable for the
average person.
High - beta stocks are simply the shares of companies whose stocks trade
with above -
average volatility — and like the twin peaks of a two - humped financial camel, these stocks carry both above -
average risk and, potentially, above -
average reward.
The author of this study, Joni Hersch, finds that after controlling for other factors that determine wages, women employed in jobs
with an
average probability of being sexual harassed are paid a compensating differential of 25 cents per hour relative to women employed in jobs
with no
risk of sexual harassment.
Men employed in jobs
with an
average probability of being sexual harassed are paid 50 cents per hour more than men employed in jobs
with no
risk of harassment.
With the Dow Jones Industrial
Average experiencing two 1,000 - point drops in recent weeks, and having fielded many, many investors» calls, I was reminded that investors truly do not know how to measure
risk.
It all has to do
with the near explosion of one of China's notorious wealth management product s — pools of allegedly low
risk securities that return one
average 2 % more than bank deposits.
The group at the greatest
risk of a lifestyle adjustment, in fact, are in the highest - earning category; 41 % of those aged 55 to 64
with an
average income of $ 140,000 a year are not saving enough to replace their spending after they stop working.
The proclivity to detect and dwell on stressors and threats — a tendency that unites neurotics — explains why the personality trait is not just associated
with experiences of fear, moodiness, worry and frustration but also a higher - than -
average risk factor for common mental disorders.
Retail REITs that own and operate malls
with low
average sales per square foot, below $ 400, are experiencing the most pronounced credit
risk.
According to Swanson's study on the effectiveness of
risk - based gun removal laws in Connecticut, for every 10 to 20
risk warrant actions taken,
with an
average of seven firearms being removed in each act, one life is saved through averted suicide.
I think the
average Investor (when he is not to
risk averse) could replace bonds
with an dividend - searching - ETF.
Due to the above -
average risks associated
with small companies, financial surprises can and do occur.
Thereafter,
with no change in the «
risk adjustment factor», the change in nominal GDP for fiscal planning purpose mirrors the absolute change in the private sector
average forecast.
Ideally, we were prepared to enter a short position if $ GLD bounced into key resistance of its 50 - day moving
average, which would have provided us
with a low -
risk entry point
with a very positive reward -
risk ratio.
Very simply, I strongly believe that stocks should currently be priced
with a
risk premium that is somewhat higher than the historical
average.
Factors that could cause actual results to differ include general business and economic conditions and the state of the solar industry; governmental support for the deployment of solar power; future available supplies of high - purity silicon; demand for end - use products by consumers and inventory levels of such products in the supply chain; changes in demand from significant customers; changes in demand from major markets such as Japan, the U.S., India and China; changes in customer order patterns; changes in product mix; capacity utilization; level of competition; pricing pressure and declines in
average selling prices; delays in new product introduction; delays in utility - scale project approval process; delays in utility - scale project construction; delays in the completion of project sales; continued success in technological innovations and delivery of products
with the features customers demand; shortage in supply of materials or capacity requirements; availability of financing; exchange rate fluctuations; litigation and other
risks as described in the Company's SEC filings, including its annual report on Form 20 - F filed on April 27, 2017.
Factors that could cause actual results to differ include general business and economic conditions and the state of the solar industry; governmental support for the deployment of solar power; future available supplies of high - purity silicon; demand for end - use products by consumers and inventory levels of such products in the supply chain; changes in demand from significant customers; changes in demand from major markets such as Japan, the U.S., India and China; changes in customer order patterns; changes in product mix; capacity utilization; level of competition; pricing pressure and declines in
average selling prices; delays in new product introduction; delays in utility - scale project approval process; delays in utility - scale project construction; continued success in technological innovations and delivery of products
with the features customers demand; shortage in supply of materials or capacity requirements; availability of financing; exchange rate fluctuations; litigation and other
risks as described in the Company's SEC filings, including its annual report on Form 20 - F filed on April 20, 2016.
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).
Factors that could cause actual results to differ include general business and economic conditions and the state of the solar industry; governmental support for the deployment of solar power; future available supplies of high - purity silicon; demand for end - use products by consumers and inventory levels of such products in the supply chain; changes in demand from significant customers; changes in demand from major markets such as Japan, the U.S., India and China; changes in customer order patterns; changes in product mix; capacity utilization; level of competition; pricing pressure and declines in
average selling prices; delays in new product introduction; delays in utility - scale project approval process; delays in utility - scale project construction; cancelation of utility - scale feed - in - tariff contracts in Japan; continued success in technological innovations and delivery of products
with the features customers demand; shortage in supply of materials or capacity requirements; availability of financing; exchange rate fluctuations; litigation and other
risks as described in the Company's SEC filings, including its annual report on Form 20 - F filed on April 27, 2017.
We are now monitoring $ FXE for a potential low -
risk buy entry point on a pullback, especially if the price action can test the rising 20 - day exponential moving
average, along
with forming a «higher low.»
A bounce to (or near) that level of moving
average convergence, followed by a bearish reversal candlestick or gap down, would provide me
with a low -
risk short selling entry point.
The fund's overall Morningstar Rating measures
risk - adjusted returns and is derived from a weighted
average of the performance figures associated
with its 3 -, 5 - and 10 - year (if applicable) rating metrics.
On nearly every measure - sentiment, valuation, volatility, oversold conditions, and others, we are observing extremes associated
with strong expected return /
risk profiles, on
average.»
Since I prefer to sell short stocks and ETFs as they are bouncing into resistance, rather than on their initial break of support, the stalling action of $ EEM as it bounces into resistance of its 50 - day moving
average now presents me
with an ideal, low -
risk entry point on the short side (click here to learn more about my short selling entry strategy).
U.S. stocks plunged on Tuesday,
with the Dow Jones Industrial
Average sinking more than 400 points as rising government bond yields drove investors into
risk - off mode...
Yesterday (November 18), $ TBT undercut near - term support of it 20 - day exponential moving
average, but is presently snapping back above yesterday's intraday high, which presents traders
with a potential low -
risk buy entry for short to intermediate - term trade entry.
But
with long - term bonds and non-cyclical equity sectors trading at historically extreme valuations while cyclical sectors trade at valuations below their long - term
average, we think that
risk aversion is creating numerous investment opportunities for investors willing to build a portfolio of more economically sensitive companies.
The sample period is bullish for equities,
with the
average monthly return of the local stock market 1.6 % above the
risk - free rate.
The following chart, constructed from data in the paper, summarizes
average equity return (ERP plus
risk - free rate) estimates in local currencies for the 59 countries
with more than five responses from finance / economic professors, analysts and company managers.
BXMT's loan portfolio remains 100 % performing
with an
average origination LTV of 61 % and
risk rating is largely unchanged at an
average of 2.7 on a scale of one - to - five
with only one $ 21 million four rated loan in the portfolio.
As usual, I don't place too much emphasis on this sort of forecast, but to the extent that I make any comments at all about the outlook for 2006, the bottom line is this: 1) we can't rule out modest potential for stock appreciation, which would require the maintenance or expansion of already high price / peak earnings multiples; 2) we also should recognize an uncomfortably large potential for market losses, particularly given that the current bull market has now outlived the median and
average bull, yet at higher valuations than most bulls have achieved, a flat yield curve
with rising interest rate pressures, an extended period of internal divergence as measured by breadth and other market action, and complacency at best and excessive bullishness at worst, as measured by various sentiment indicators; 3) there is a moderate but still not compelling
risk of an oncoming recession, which would become more of a factor if we observe a substantial widening of credit spreads and weakness in the ISM Purchasing Managers Index in the months ahead, and; 4) there remains substantial potential for U.S. dollar weakness coupled
with «unexpectedly» persistent inflation pressures, particularly if we do observe economic weakness.
The 2018 budget forecast is «based on an
average of the December 2017 private sector economic outlook survey, and also reflects upside and downside
risks, noted above, identified through ongoing engagement
with survey participants.»
The Company's mission is to preserve and grow capital by producing above -
average absolute returns
with low correlation to traditional assets and manageable
risk.
According to Morningstar Annuity Research Center, variable annuity annual fees range widely, from 0.10 % to 2.25 %,
with an industry
average of 1.25 %.4, 5 Of course, you will pay more if you need to address a specific
risk with a guarantee, such as a guaranteed living benefit, which provides income or asset protection from down markets.
Medium
Risk — Growth (M / GRW) Lower to average risk equities of companies with sound financials, consistent earnings growth, the potential for long - term price appreciation, a potential dividend yield, and / or share repurchase prog
Risk — Growth (M / GRW) Lower to
average risk equities of companies with sound financials, consistent earnings growth, the potential for long - term price appreciation, a potential dividend yield, and / or share repurchase prog
risk equities of companies
with sound financials, consistent earnings growth, the potential for long - term price appreciation, a potential dividend yield, and / or share repurchase program.
Investor demand for above -
average risk / reward opportunities has been met
with new outlets for speculation, the result of which is that new
risk capital available for exploration for supply - starved commodities such as zinc, copper, gold and silver is dwindling.
The best way to go about it is to place funds into a few lower
risk and a few higher
risk borrowers to get a diversified peer - to - peer loan portfolio
with strong
average annual returns.
BondMason provides a unique way to target
risk - adjusted returns,
with low volatility, achieving an
average gross return of 8 % p.a.
Most of our banks earn a mid-teens or better return on equity (ROE), but
with lower than
average credit
risk.