Sentences with phrase «year term return»

Here's a quote and explanation of a 20 year term return of premium life insurance policy.

You buy a 30 year term return of premium life insurance policy, you'll need to pay on it for 30 years to get the full premium back.

Not exact matches

We have a trading mentality that should not affect long - term investors, but ETF investors have earned a 5 percent return in the last 12 years and investing in traditional index funds has returned about 8 percent.

The most successful investors think long term Here are the Top 15 Canadian companies ranked by total 5 - year return

Private equity returns remained strong but were lower than the prior year quarter, while income from our fixed income investment portfolio increased due to a higher average level of fixed maturity investments and higher short - term interest rates.

But in simple terms, the 8 % return consists of the present value of final earnings in 2028 at a 17 multiple, plus a much smaller contribution from the present value of 10 years of rising dividends.

«As a long - term value investor, we remain cautious and recognise that to generate good real returns over time, we have to be prepared for periods of underperformance relative to the market indices, some even for a stretch of several years.»

On Monday, the fund said its portfolio return was 5.1 percent per annum in U.S. dollar nominal terms over the five years to March 31, 2017, helped by the run - up in global financial assets, versus 3.7 percent a year ago.

At least once a year, it's a good idea to sit down and examine your credit card terms so you can really see what you are paying versus what you are getting in return.

The company must have long - term potential; it needs some sort of sustainable competitive advantage that will keep it in business for years to come; he wants double - digit returns — «Why bother buying a business if you're not getting at least that for taking on the risk of owning a company?»

In dollar terms, though, a few of Buffett's picks with more modest returns were actually the most lucrative for the investor's portfolio this past year, in large part because Berkshire Hathaway owns massive quantities of their shares.

Tesla has already sought this month to play down Wall Street speculation that it would need to return to capital markets this year to raise more funds as it ramps up production of the Model 3 sedan seen as crucial to its long - term profitability.

Beyond those basics, you'll get approved more readily and with better terms if you give the banks precisely what they need to make a decision: tax returns and audited (if possible) financial statements (P&L, balance sheets and cash flow) for the year to date and the previous three years; monthly statements for the previous 12 months; a business plan explaining what you do, how you do it and why your company would be a good risk; a detailed projection showing how you will generate the funds to pay down the line; and a backup plan (collateral) to repay the bank if the projections don't pan out.

«This encouraging start to the year shows that we are firmly on the path laid out in February that will take us above an eight per cent return on equity in the medium term,» said chief executive of the company Bill Winters.

Investors should also take note that poor years — those in the bottom quartile of returns — tended to be worse when starting valuations were more elevated over the long - term average.

If you're talking about a new project with no significant investment already deployed, building a new mine if you expect today's prices to hold in the long term is a tough call — a 50 - year oil sands project is a lot of risk for less than a 10 % rate of return — but even there, you can see the impact of the lower Canadian dollar and the hedge provided by a royalty regime which lowers rates when prices are low.

Looking at annual price returns over the past 60 years, Bloomberg data show that annual price returns have been roughly 5 percent when the starting valuation on the S&P 500 was above the long - term median, roughly 16.5 x trailing earnings.

The hikes ultimately will return the central bank's key short - term rate, called the federal funds rate, to about 4 percent over the next two years, which economists generally consider more a sustainable level.

What's more, as Buffett points out, he's a long - term investor, so looking at the year - to - year investment and return on a given business doesn't make a lot of sense.

When it comes to financial terms, plan to be held to the same rigorous standards that any private - equity investor would hold you to: a clear investor exit strategy (probably within three to five years) and projected annual returns of 20 % to 30 %.

Faculty deans are typically professors who carry out a five - year term before returning to teaching, though some move on to other administrative roles, such as provost.

If you're talking about a new project with no significant investment already deployed, building a new mine if you expect today's prices to hold in the long term is a tough call — a 50 year oil sands project is a lot of risk for less than a 10 per cent rate of return — but even there, you can see the impact of the lower Canadian dollar and the hedge provided by a royalty regime which lowers rates when prices are low.

Assume their salaries grow each year by 2 % in real terms (after adjusting for inflation), they save 10 % of their annual salaries, and their investments earn a 3 % real annual return.

Finally, by substituting the historic linear trend above into the IRR term of this equation, and the industry average investment period of 13 years into the c term, we get the following formula, which shows that nominal R&D productivity / ROI currently stands at about 1.2 (i.e., we get only 20 % back on top of our original R&D investment after 13 years), is declining exponentially by about 10 % per year, and will hit 1.0 (zero net return on investment) by 2020:

In US dollar terms, UK equities have returned -5 % year - to - date, underperforming the majority of developed and major emerging markets (top - left chart).

One - third of performance share awards, which make up 50 % of long - term incentive compensation, are tied to average return on invested capital over a three - year period.

Yes this is possible in any given year, but over the longer term bonds generally return close to their yields.

Here's the one year rolling returns for long - term treasuries:

Given that U.S. short - term interest rates are stuck at zero, and are likely to remain unusually low for some time even if the Federal Reserve starts to raise rates later this year, return for cash this year is almost certain to be negative.

The models are simply forecasting that the the economy is going to return to the long - term historic rate of trend growth in a couple of years, barring any direct evidence to the contrary.

If you purchased the term policy and each year invested the $ 800 savings, at the end of the 20 years you would have $ 27,775 (assuming a modest 5 % annual rate of return on your investment).

Here's the one year rolling returns for long - term -LSB-...]

So while there could be one or even five year periods where longer maturity bonds perform fairly well from these yield levels, over the long - term they're likely to be a poor investment in terms of earning a decent return over the rate of inflation.

The Barclay 3 - Year Municipal Bond Index is a total return benchmark designed for long - term municipal assets.

One of my astute readers, named Jim, wondered how far out of whack the returns can get over any one year period from this long - term trendline.

I like the idea of having gold for inflation risk and long - term treasuries for deflation but I can envision a future where interest rates and inflation remain low for years which would be bad for returns on both.

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.

What we have really seen over the past several years, in terms of the appreciation of markets and the decline of interest rates based on what the Fed has been doing, is a result which has eliminated the possibility of investors in bonds and stocks to earn an adequate return relative to their expected liabilities.

Gross pointed to the long - term success of the Total Return Fund, while acknowledging the tough year the fund saw in 2011, when it experienced significant net outflows after he bet against the bond market.

* Bonds are a portfolio consisting of the following: (data provided by DFA's Returns 2.0) One - Month US Treasury Bills (7.5 %) Five - Year US Treasury Notes (12.5 %) Long - Term Corporate Bonds (30 %) Long - Term Government Bonds (50 %)

A portfolio of five - year notes (20 %), long - term government bonds (35 %), long - term corporate bonds (30 %) and one - month t - bills (15 %) returned 2.7 % a year for this 32 year period.

It also found that during the same period, the average fixed - income investor earned only a 6.08 % return per year, while the long - term Government Bond Index reaped 11.83 %.

And even if the indicator was valid (counterfactually), the article asks readers to accept as given that earnings are properly reported here, that they will grow by nearly 50 % over the coming year, and that investors are willing to key the long - term return they require from stocks to the yield on 10 - year bonds, which has been abnormally depressed in a flight to safety.

«A number of participants indicated that the stronger outlook for economic activity, along with their increased confidence that inflation would return to 2 per cent over the medium term, implied that the appropriate path for the federal funds rate over the next few years would likely be slightly steeper than they had previously expected,» the Federal Open Market Committee said in the records of its March 20 - 21 meeting.

«Markets are volatile, and very rarely will you receive the exact long - term annual return in any specific year,» says Zack Shepard, vice president of Matson Money in Scottsdale, Ariz. «If you look at the distribution of returns for the entire U.S. market since 1926, they have ranged from 60 percent to -40 percent.»

Highland's best - performing alternatives fund, in relative terms, has been the Highland Global Allocation Fund, which sits atop its Morningstar category with year - to - date returns of 11.72 %.

For much of the past two years, the discounts offered by automakers have remained at levels that industry analysts say are unsustainable and unhealthy in the long term... Sales are expected to drop further in 2018 as interest rates rise and more late - model used cars return to dealer lots to compete with new ones.

For those age 50 or older, one $ 6,500 yearly contribution could grow to more than $ 69,000 in 35 years.5 We used a hypothetical 7 % long - term compounded annual rate of return and assumed the money stays invested the entire time.

My basis was $ 23.43 / share, well over a 100 % return and it's a long - term capital gain since I've held shares over 1 year.

A couple years back, I wrote a series on the topic of returns on capital (ROIC) and how significant its impact is on the long - term value of a business.