Sentences with phrase «with durations of a year»

Not exact matches

(Policies with shorter durations of coverage cost less; the gamble may make sense, since about 75 % of nursing home stays last for three years or less.)

Those with higher incomes were also more likely to purchase plans with a longer duration, with the average length of a plan hitting four years for a buyer who earns $ 75,000 or more, compared to 2.9 years for someone earning $ 25,000 or less.

Borrowers start with a reduced monthly payment, which gradually increases after year two and four, settling into a higher standard monthly payment in year six for the duration of the loan.

For example, Dodge & Cox Income fund, with a duration of around four years, lost 0.9 percent in the first quarter.

These risks and uncertainties include: Gilead's ability to achieve its anticipated full year 2018 financial results; Gilead's ability to sustain growth in revenues for its antiviral and other programs; the risk that private and public payers may be reluctant to provide, or continue to provide, coverage or reimbursement for new products, including Vosevi, Yescarta, Epclusa, Harvoni, Genvoya, Odefsey, Descovy, Biktarvy and Vemlidy ®; austerity measures in European countries that may increase the amount of discount required on Gilead's products; an increase in discounts, chargebacks and rebates due to ongoing contracts and future negotiations with commercial and government payers; a larger than anticipated shift in payer mix to more highly discounted payer segments and geographic regions and decreases in treatment duration; availability of funding for state AIDS Drug Assistance Programs (ADAPs); continued fluctuations in ADAP purchases driven by federal and state grant cycles which may not mirror patient demand and may cause fluctuations in Gilead's earnings; market share and price erosion caused by the introduction of generic versions of Viread and Truvada, an uncertain global macroeconomic environment; and potential amendments to the Affordable Care Act or other government action that could have the effect of lowering prices or reducing the number of insured patients; the possibility of unfavorable results from clinical trials involving investigational compounds; Gilead's ability to initiate clinical trials in its currently anticipated timeframes; the levels of inventory held by wholesalers and retailers which may cause fluctuations in Gilead's earnings; Kite's ability to develop and commercialize cell therapies utilizing the zinc finger nuclease technology platform and realize the benefits of the Sangamo partnership; Gilead's ability to submit new drug applications for new product candidates in the timelines currently anticipated; Gilead's ability to receive regulatory approvals in a timely manner or at all, for new and current products, including Biktarvy; Gilead's ability to successfully commercialize its products, including Biktarvy; the risk that physicians and patients may not see advantages of these products over other therapies and may therefore be reluctant to prescribe the products; Gilead's ability to successfully develop its hematology / oncology and inflammation / respiratory programs; safety and efficacy data from clinical studies may not warrant further development of Gilead's product candidates, including GS - 9620 and Yescarta in combination with Pfizer's utomilumab; Gilead's ability to pay dividends or complete its share repurchase program due to changes in its stock price, corporate or other market conditions; fluctuations in the foreign exchange rate of the U.S. dollar that may cause an unfavorable foreign currency exchange impact on Gilead's future revenues and pre-tax earnings; and other risks identified from time to time in Gilead's reports filed with the U.S. Securities and Exchange Commission (the SEC).

After the investment period has ended, the fund legally is not allowed to make new investments, it should be spending the remainder of the fund duration (funds are usually ten years long with a few one year extensions) harvesting its investments for liquidity.

Take an intermediate bond fund with a duration — interest rate sensitivity — of six years.

«A fund with a duration of six and a half years will lose principal value of approximately 6.5 percent for every 1 percent increase in long - term interest rates,» Scott said.

Given those durations, an investor with 15 - 20 years to invest could literally plow their entire portfolio into stocks and long - term bonds, in expectation of very high long - term returns, with the additional comfort that their financial security did not rely on the direction of the markets, thanks to the ability to reinvest generous coupon payments and dividends.

While we would be inclined to increase the duration of the Strategic Total Return Fund modestly if the 10 - year Treasury yield was to push beyond 4 % or so, we are comfortable with our current duration of just under 4 years.

A 10 - year bond with a 10 % coupon, however, only has a duration of about 6.75 years.

Now there's no doubt that something has, indeed, gone badly wrong with capitalism in the recent economic cycle, but we hasten to add that stocks are not only a claim on one year or one cycle of cash flows, but are claims on a stream of future deliverable cash flows with an effective duration of about 50 years.

Instead of a four year cash reserve, have a 5 - 7 year high quality bond ladder (I prefer the slightly longer cash duration) with a year's worth of expenses maturing each year.

The Strategic Total Return Fund currently carries a duration of about 2 years, primarily in U.S. Treasury securities, with just over 15 % of assets allocated to foreign currencies.

You will also be matched with an experienced business leader, who will be your mentor for the duration of the year.

The Strategic Total Return Fund currently has an overall duration slightly over 3 years, primarily in straight Treasuries, with a small 1 % exposure to precious metals shares and about 4 % of assets in utility shares.

With respect to individual bonds, for example, a duration of 4 years indicates that the price of a bond will rise / fall by approximately 4 % if rates in general fall / rise by 1 %.

Equities are essentially 50 - year duration investments at current valuations, and even if investors are passive and don't hold any view about future market returns at all, one of the basic principles of financial planning is to align the duration of ones assets with the expected horizon over which the funds are expected to be spent.

An intermediate fund with a duration of five years may recover price loss from rising interest rates in about five years.

That compares with an effective duration of 7.66 years on the aforementioned TIP.

I agree it's best to avoid durations that are longer than your time horizon with all bond funds but, in the case of linker funds, your time horizon needs to be under 20 - something years.

There are only five with a duration of 10 years or less and only two with a duration of 5 years or less.

With higher durations, even a modest backup in yields can easily wipe out a year's worth of interest.

While a large share of these contracts have short durations, often three months or less, a very sizeable share of current contracts extend beyond 2021, with some lasting as long as 100 years.

Specifically, the effective duration of the S&P 500 is presently about 50 years, with average bond market duration closer to 6 years, and of course zero duration for cash holdings.

It's currently yielding around 5 % with an average duration of 4.3 years.

The Strategic Total Return Fund continues to trade around a duration of about 2 years, mostly in Treasury inflation protected securities, with about 20 % of assets in precious metals shares.

«Many of my clients who are in or approaching retirement have a 60 percent stock and 40 percent bond allocation, with an emphasis on dividend - producing stocks and bonds that have a duration of less than six years.»

Spread duration is displayed in years and reflects the contribution by sector to the portfolio's total spread duration with the exception of the Treasury and Interest - rate swap sectors where effective duration is displayed.

Strategic Total Return continues to carry a duration of about 3 years in Treasury securities (meaning a 100 basis point move in interest rates would be expected to impact Fund value by about 3 % on the basis of bond price fluctuations), with about 10 % of assets in precious metals shares, and about 5 % of assets in utility shares.

Interest rate sensitivity, also known as duration, is based on the Barclays U.S. Credit Bond Index (all maturities), and short - term bonds represented by the subset of bonds within the index with maturities of 1 - 5 years (Barclays 1 - 5 Year U.S. Credit Bond Index).

With a 30 - year fixed - rate mortgage, not only do you have a long time to pay off the loan (three decades) but your monthly payments will remain constant for the duration of the loan, unless you decide to refinance.

An example: For a bond with a duration of 10 years, it could appreciate 10 % in price if interest rates fall by 1 %.

For a bond with a duration of two years, it could appreciate 2 % in price if interest rates fall by 1 %.

I think He figures that the 50,60,70 years you may have to suffer allows you to prove your loyalty and is quite minor in terms of duration compared to eternity with Him.

In fact, if we agree with him that human experiences of as brief a duration as one - tenth of a second may be distinguished in consciousness, and if we disregard the problem of whether a sleeping person also experiences at about the same rate of ten occasions per second, then simple arithmetic enables us to conclude that the concrete reality of a human being that lives seventy years is well over two billion individual «selves»!

That God's love, manifest in diverse ways throughout the duration of the universe, might come to a full and unsurpassable self - expression in an individual human being who lived and died in the Middle East almost two thousand years ago does not seem incongruous with what we now understand about the nature of an evolving universe, especially if we regard religion as a phenomenon emergent from the universe rather than just something done on the earth by cosmically homeless human subjects.

The presumed duration of the whole human development (a few million years) is so trifling compared with the extent of astronomic time, even at the lowest estimate, that the chance of a variation of the solar equilibrium while the anthropogenesis is in process may be ignored.

Under the combined influence of Science and History, and of social developments, the twofold sense of duration and collectivity has pervaded and re-ordered the entire field of our experience; with the twofold result that the future, hitherto a vague succession of monotonous years awaiting an unimportant number of scattered individual lives, is now seen to be a period of positive becoming and maturing — but one in which we can advance and shape ourselves only in solidarity.

(4) gaining exposure to a long - duration growth asset, with AAC having demonstrated internally funded compound growth in the asset base of about 4 per cent a year over the last 15 years; and

Our delicious Imperial Porter with a blend of cold steeped Cafe Calabria Coffee and Vanilla, aged in 12 year old Elijah Craig Bourbon Whiskey Casks for a duration of 12 months.

With a career that spans a maximum of 15 years, they want to stay on top of their game for the duration.

For the duration of a year, guests and visitors alike can embrace a piece of Golden Era glamour with a collection of experiences available exclusively at Fontainebleau Miami Beach.

Layun has a contract with Watford for 4 years, and he hopes his team can stay in the Premier League for at least the duration of his contract.

New manager Rafael Benitez's arrival has heralded fresh rumours of a bid for Sterling with whom the former Liverpool manager worked for a short duration of time six years ago.

«Part of the agreement on that deal was an increase over the duration, along with another year option to extend.

The figure reported for Sissoko was a club record # 30m, but the fee was split into five payments of # 6m with Newcastle United only receiving the full amount if he stays for the duration of his five - year contract.

Purpose: The purpose of this project was to determine if supplementing pregnant and lactating women with DHA and extending the duration of exclusive breastfeeding through the first year of life will improve neurological development in infants.

A large component of the project comprised of a breastfeeding peer support program which consisted of prenatal visits, hospital visits, home visits and phone calls with anticipatory breastfeeding guidance for up to an infants» first year of life to ascertain that woman in the study will breastfeed for longer durations to establish a link between DHA and neurological development.

I plan on wearing it throughout the duration of my breastfeeding days (which will be about two more years with my track record).