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background on savings institutions
background on savings institutions

tactical timing of low volatility equity strategies
tactical timing of low volatility equity strategies

... Many investors we speak to are interested in making a strategic allocation to low volatility equities to help them better meet their investment objectives. The appeal of this strategy is clear. Low volatility stocks have historically delivered higher returns with lower risk than the capitalization-w ...
Shadow Banking: Economics and Policy
Shadow Banking: Economics and Policy

... intermediation. Both assist in intermediating funds from savers to investors, and both involve risk transformation. After describing these two main functions, the paper reviews their economic values, highlighting how they cater to various demands. The securitization function, operating through the p ...
hpy stock
hpy stock

... An increase in the firm's beta Adding more financial debt to the firm's balance sheet relative to equity Changing the business strategy to include new product lines with more volatile expected cash flows Investors perceive the stock as being more risky An increase in the risk-free required rate of r ...
Manulife Financial Corporation announces Preferred Share issue
Manulife Financial Corporation announces Preferred Share issue

... exemption from such registration requirements. This press release does not constitute an offer to sell or a solicitation to buy securities in the United States and any public offering of the securities in the United States must be made by means of a prospectus. About Manulife Manulife Financial Corp ...
kawiche prosper jessy final project - UoN Repository
kawiche prosper jessy final project - UoN Repository

PSX Investor Guide
PSX Investor Guide

... demands constant attention. Well-planned investment alone can ensure that it both retains its value and can be used to meet our particular financial requirements. The dynamics of economic growth provide various opportunities for us to profit by. ...
LINCOLN NATIONAL CORP
LINCOLN NATIONAL CORP

... the Plan Document or information to which we have referred you. We have not authorized anyone to provide you with information that is different. We are not making an offer of these securities in any state or jurisdiction where the offer is not permitted. The information contained or incorporated by ...
Comovement and Predictability Relationships Between
Comovement and Predictability Relationships Between

... returns on government bonds. This cross-sectional focus complements Fama and French’s stock-index-level tests and delivers strong evidence that the expected returns of stocks and bonds are firmly linked. We offer a preliminary assessment of the drivers of these patterns. We consider three general, n ...
The Return of the Home State and the Rise of `Embedded` Investor
The Return of the Home State and the Rise of `Embedded` Investor

... (mis)interpretations in the exploding arbitral case law. According to these authors, the current trajectory of investment treaty-making is about (i) placing a check on tribunals’ discretion and (ii) striking a balance between the protection of investors abroad and the right to regulate at home. Int ...
View Marcia Wagner`s PowerPoint presentation here
View Marcia Wagner`s PowerPoint presentation here

... ◦ DOL appears to be expecting BD firms to change their payout grid for reps ◦ For example, payouts to rep may vary for different investment categories, but not for similar investments in same category (such as VAs) ...
Läs mer. - Fjärde AP
Läs mer. - Fjärde AP

FS - Midas Gold Corp.
FS - Midas Gold Corp.

... assessment of the risks of material misstatement of the consolidated financial statements, whether due to fraud or  error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation  and fair presentation of the consolidated financial statements in  ...
Long-Run Stock Returns: Participating in the
Long-Run Stock Returns: Participating in the

... total return of equity. The bulk of the return is attributable to dividend payments and nominal earnings growth (including inflation and real earnings growth). Third, the increase in the equity market relative to economic productivity can be more than fully attributed to the increase in the P/E. Fou ...
Do Precious Metals Shine in the Portfolio of a Nordic
Do Precious Metals Shine in the Portfolio of a Nordic

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This PDF is a selection from an out-of-print volume from... of Economic Research
This PDF is a selection from an out-of-print volume from... of Economic Research

... itilerinediaries, on one hand, and a comparable national total, on the other. These ratios are nothing but an arithmetic relation between a numerator and a denominator which are not comrnei. suraljie. While they are easier to calculate than more appropriate ratios, and probably are more familiar, th ...
2003 Report as a word document
2003 Report as a word document

... The pension cost for the scheme was £7,601,000 which includes £4,354,000 in respect of the amortisation of deficit, which will be spread over 9.5 years being the average remaining service lives of the active members. A prepayment of £425,000 (in 2002 £638,000) has been included on the Balance Sheet. ...
Inflation Risk Management in Project Finance
Inflation Risk Management in Project Finance

The UK`s Environment Agency Pension Fund (EAPF)
The UK`s Environment Agency Pension Fund (EAPF)

... the MSCI World Low Carbon Target Index as the benchmark for its global passive equities portfolio. EAPF’s allocation to this portion of their portfolio is approximately £280m, constituting over 10% of the EAPF’s reported assets, and its entire market capitalization-based global passive equities. Mar ...
Long Term Capital Gains Tax Strategies
Long Term Capital Gains Tax Strategies

... Sufficient Gains on Investment to Cover Cost of Put Assume an investor owns a security, which created paper profit over part of a year holding period, but he/she believes the security value will fall during the remainder of the year, reducing or eliminating the paper profit. The investor wants to ta ...
Analysis of stock performance based on
Analysis of stock performance based on

... The objective of this thesis is to examine the validity of enterprise value/earnings before interest and tax (EV/EBIT) and return on invested capital (RoIC) as a screening tool to select stocks. The various ways of improving the selection process is an integral part of investing, and therefore this ...
Home bias and international risk sharing
Home bias and international risk sharing

... • Average amount of income risk sharing by country i is 1 - K0 - K1gi1 • k was allowed to change over time where EHB is equity home bias for country i in time t and EHBt is the average across countries at time t • 1 – k measures amount of risk sharing obtained in period t by country i with equity ho ...
annual debt financing strategy
annual debt financing strategy

... 2) Global Economic Prospects – Forecasts: Worldbank.org (accessed December 15, 2014) 3) Economic Forecasts, ADB: Bloomberg.com (accessed December 15, 2014) 4) Economic Forecasts, IMF: Bloomberg.com (accessed December 15, 2014) 5) Economic Forecasts, OECD: Bloomberg.com (accessed December 15, 2014) 6 ...
The Impact of Risk Controls and Strategy-Specific Risk Diversification on Extreme Risk
The Impact of Risk Controls and Strategy-Specific Risk Diversification on Extreme Risk

... cap-weighted indices do not represent efficient portfolios. Three main reasons for this have been identified: (i) cap-weighting results in significant concentration; (ii) from a portfolio construction perspective, cap-weighting ignores correlations between stocks; and (iii) cap-weighted indices are ...
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Investment management

Investment management is the professional asset management of various securities (shares, bonds and other securities) and other assets (e.g., real estate) in order to meet specified investment goals for the benefit of the investors. Investors may be institutions (insurance companies, pension funds, corporations, charities, educational establishments etc.) or private investors (both directly via investment contracts and more commonly via collective investment schemes e.g. mutual funds or exchange-traded funds).The term asset management is often used to refer to the investment management of collective investments, while the more generic fund management may refer to all forms of institutional investment as well as investment management for private investors. Investment managers who specialize in advisory or discretionary management on behalf of (normally wealthy) private investors may often refer to their services as money management or portfolio management often within the context of so-called ""private banking"".The provision of investment management services includes elements of financial statement analysis, asset selection, stock selection, plan implementation and ongoing monitoring of investments. Coming under the remit of financial services many of the world's largest companies are at least in part investment managers and employ millions of staff.Fund manager (or investment advisor in the United States) refers to both a firm that provides investment management services and an individual who directs fund management decisions.According to a Boston Consulting Group study, the assets managed professionally for fees reached an all-time high of US$62.4 trillion in 2012, after remaining flat-lined since 2007. Furthermore, these industry assets under management were expected to reach US$70.2 trillion at the end of 2013 as per a Cerulli Associates estimate.The global investment management industry is highly concentrated in nature, in a universe of about 70,000 funds roughly 99.7% of the US fund flows in 2012 went into just 185 funds. Additionally, a majority of fund managers report that more than 50% of their inflows go to just three funds.
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