Am Best Call Presentation 1 16 09
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JP Morgan institutional conference call presentation on the state of my industry throughout 2009. Believe it or not, this information presents several opportunities for your clients and associates.
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Ml inv rule_of100x
This document discusses strategies for limiting stock market risk, such as the Rule of 100. The Rule of 100 states that the percentage invested in stocks should not exceed 100 minus the investor's age. So a 40 year old would invest 60% in stocks. It also discusses balancing portfolios between stocks and bonds. While bonds provide stability, both stocks and bonds carry risk as their prices can fluctuate. Alternative products like market-linked CDs and indexed annuities are presented as ways to participate in stock market gains without risk of losses.
(284) business spending should rise 1
1) Companies have accumulated record amounts of cash since the 2008 financial crisis as they focused on reducing debt and rebuilding their balance sheets.
2) Recently, companies have begun shifting their use of cash from shareholder-friendly activities like buybacks and dividends toward business investment to support future growth.
3) Increased business investment will benefit the economy by boosting GDP and supporting the belief that a secular bull market has begun.
FII Initiation
- Federated Investors faces significant challenges from potential new regulations for money market funds proposed by the SEC chairman, as money market funds comprise 75% of Federated's total assets under management.
- New rules could lead to large outflows from money market funds, negatively impacting Federated's earnings. Despite some positive flows and fund performance, the risks to Federated's core business are substantial.
- The analyst initiates coverage of Federated with an Underperform rating and $19 price target, seeing limited upside due to risks from money market reforms and the stock trading in line with peers despite these risks.
Realty Income~Final
Realty Income is a real estate investment trust that owns commercial properties and leases them to retailers on long-term net leases. It owns over 2300 properties across 49 states with a focus on retail properties leased to tenants in industries that provide necessities. While its financials have weakened due to the economic downturn, it maintains a strong portfolio occupancy rate and has access to capital to acquire more properties when opportunities arise. However, risks include a potential disconnect between dividends and earnings growth and retail tenant defaults increasing due to the recession.
Pension Risk to the Corporate Sponsor
This document discusses pension risk to corporate sponsors from three perspectives: scale, impact, and risk. It provides examples measuring a UK company's pension exposure compared to industry medians across these dimensions. Metrics examined include liabilities/deficit as a percentage of market capitalization, impact on debt ratios, and risk measures like value-at-risk and contributions-at-risk. The document advocates developing a pension risk management framework to guide investment strategy in line with the sponsor's objectives and constraints. It also discusses incorporating sponsor credit risk into funding projections from the trustee perspective.
IE Business School
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SLG's Market Perspective Update
SLG believes the U.S. is entering a recession due to problems in the energy sector that will spread to the broader economy. While past recessions were caused by bubbles bursting, this downturn stems from an oil and gas supply glut that has driven down prices. The Fed cannot bail out struggling energy companies like it did banks in 2008. Job losses in oil, construction, and industrial sectors will reduce consumer spending and further weaken the economy. SLG is positioning itself to capitalize on opportunities that will emerge over the next 12-24 months as the market adjusts.
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Ml inv rule_of100x
This document discusses strategies for limiting stock market risk, such as the Rule of 100. The Rule of 100 states that the percentage invested in stocks should not exceed 100 minus the investor's age. So a 40 year old would invest 60% in stocks. It also discusses balancing portfolios between stocks and bonds. While bonds provide stability, both stocks and bonds carry risk as their prices can fluctuate. Alternative products like market-linked CDs and indexed annuities are presented as ways to participate in stock market gains without risk of losses.
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1) Companies have accumulated record amounts of cash since the 2008 financial crisis as they focused on reducing debt and rebuilding their balance sheets.
2) Recently, companies have begun shifting their use of cash from shareholder-friendly activities like buybacks and dividends toward business investment to support future growth.
3) Increased business investment will benefit the economy by boosting GDP and supporting the belief that a secular bull market has begun.
FII Initiation
- Federated Investors faces significant challenges from potential new regulations for money market funds proposed by the SEC chairman, as money market funds comprise 75% of Federated's total assets under management.
- New rules could lead to large outflows from money market funds, negatively impacting Federated's earnings. Despite some positive flows and fund performance, the risks to Federated's core business are substantial.
- The analyst initiates coverage of Federated with an Underperform rating and $19 price target, seeing limited upside due to risks from money market reforms and the stock trading in line with peers despite these risks.
Realty Income~Final
Realty Income is a real estate investment trust that owns commercial properties and leases them to retailers on long-term net leases. It owns over 2300 properties across 49 states with a focus on retail properties leased to tenants in industries that provide necessities. While its financials have weakened due to the economic downturn, it maintains a strong portfolio occupancy rate and has access to capital to acquire more properties when opportunities arise. However, risks include a potential disconnect between dividends and earnings growth and retail tenant defaults increasing due to the recession.
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SLG's Market Perspective Update
SLG believes the U.S. is entering a recession due to problems in the energy sector that will spread to the broader economy. While past recessions were caused by bubbles bursting, this downturn stems from an oil and gas supply glut that has driven down prices. The Fed cannot bail out struggling energy companies like it did banks in 2008. Job losses in oil, construction, and industrial sectors will reduce consumer spending and further weaken the economy. SLG is positioning itself to capitalize on opportunities that will emerge over the next 12-24 months as the market adjusts.
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Quarterly Insurance Round Up 2q08
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- AIG reported a $5.4 billion net loss driven by housing market and investment problems. It raised $20 billion in new capital.
- Allstate's net income fell 98% due to investment losses and record catastrophe losses, but underlying underwriting performance was strong.
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This document provides information about obtaining fully solved assignments from an assignment help service. It lists their email and phone contact information and requests students to send their semester and specialization when reaching out. It then provides a sample assignment for financial management that covers topics like calculating tax liability for a corporation, objectives of income tax, investment analysis based on risk and return, diversification and its impact on risk, and financial forecasting. The document provides guidance on calculating various financial ratios for McDonald's and solving inventory management problems. It asks students to explain concepts like issues in international business, financial axioms, and the risk-return tradeoff.
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The document discusses ways for a firm to optimize its capital structure to improve profitability. It outlines an agenda to maximize firm value and minimize cost of capital by optimizing the debt ratio. It also discusses raising capital through equity funding such as initial public offerings and leveraged buyouts. The overall impact of optimizing the capital structure on the debt and equity patterns as well as achieving an optimal debt-equity mix is examined. Financial performance is analyzed through the balance sheet, income statement and cash flow.
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Fixed indexed annuities (FIAs) are insurance products that offer principal protection, potential for growth based on market indexes without direct market participation, guaranteed lifetime income options, and tax-deferred growth. FIAs allow savings to be transformed into predictable retirement income through an agreed upon income stream. While the principal is protected from losses due to market downturns, FIAs may provide returns linked to market indexes and continued growth through compound interest. Common benefits of FIAs include downside market protection, guaranteed lifetime income, and tax-deferred growth similar to other retirement accounts.
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- Income trusts work by pooling assets that generate cash flow, then distributing most cash flows to unitholders as dividends. This structure provides tax advantages over corporations.
- The document discusses the history and structure of income trusts, how they provide tax efficiency compared to corporations, and factors influencing their popularity as investments.
Valuation of Family Limited Partnership
Family Limited Partnerships (FLPs) are a type of partnership designed to centralize family business or investment accounts. FLPs pool family assets into a single partnership that family members own shares of. FLPs are commonly used for estate tax minimization by gifting shares between generations at lower tax rates than transferring the partnership's holdings. An FLP differs from a trust in that family members own a share of a business rather than assets being held in trust.
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<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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Am Best Call Presentation 1 16 09
- 1. A.M. Best Company Current Perspectives on the Life Insurance Industry J.P. Morgan Conference Call January 16, 2009
- 2. What Happened And Where Are We Now? Deterioration in macroeconomic fundamentals- while the bad news has slowed, is there an end in sight? Extreme volatility in equity markets Rising credit defaults/asset impairments Significant spread widening/unrealized losses Limited financial flexibility Negative outlook on the life industry
- 3. A.M. Best Outlook – Life & Annuity “The severe dislocation in the capital markets, fueled most recently by the bankruptcy filing [of Lehman] and liquidity concerns at high-profile financial institutions…has prompted A.M. Best Co. to revise its rating outlook for the U.S. life insurance industry to negative from stable.”
- 4. U.S. Life Industry Capital Trends 350 325 300 $bill 275 250 225 200 2004 2005 2006 2007 1Q 08 2Q 08 3Q 08 Cap ital & Sur p lus + AVR
- 5. Capitalization Trends Industry had built up excess capital in prior years Increased operating and financial leverage Deployed through share buybacks, dividends and some acquisitions Excess capital eroded Expectation of need to strengthen capital Access to capital and liquidity is weak
- 6. Capitalization Trends (cont'd) Looking for “creative” solutions Use of reinsurance likely to increase
- 7. Investment Losses Companies treating stat and GAAP impairments differently (for the most part) Unrealized losses-are they economic or interest rate driven? How long under water and by how much? More impairments likely in 4Q
- 8. Variable Annuities Living benefits driving sales Lower sales & fee income Higher reserve & capital charges Rising costs of hedging; has it worked? DAC unlocking Companies revising product structures
- 9. Recent Industry Trends Shift from protection to accumulation products Variable annuity products more complex Industry consolidation at a relatively slow pace But, concentration at the top increasing ERM has been tested
- 10. Where Are We Going? More regulation likely M&A/divestitures will accelerate Choppy markets continue to pressure VA writers More impairments Liquidity to remain tight
- 11. Is There Any Good News? Retirement income opportunities still exist International business continues to hold promise Stronger players will continue to thrive All things must pass
- 12. Key Factors in Maintaining Ratings Focus on preserving capital & maintaining liquidity Consistent operating profitability trends Investment risk manageable Proven ERM effectiveness during troubled times Risk appetite commensurate with capital Diversification on both sides of the balance sheet
- 13. Q&A