Accelerating inflation, global tightening of monetary policy and Russia’s invasion of Ukraine increased uncertainty and affected the financial market. Elo’s return on investment was -1.9 per cent (3.9 per cent). The market value of the investments was EUR 28.8 (26.8) billion at the end of the first quarter. The solvency ratio was 126.1 (125.0) per cent.
Elo Mutual Pension Insurance Company - Interim report 1 Januari - 31 March 2021Työeläkeyhtiö Elo
In January–March, the return on Elo’s investments was 3.9 (-9.5) per cent, or EUR 996.4 million. The market value of Elo’s investments at the end of March was EUR 26.8 billion. The solvency ratio was 125.0 per cent and solvency capital was 1.5 times the solvency limit.
Elo Mutual Insurance Company Interim Report 30.6.2021Työeläkeyhtiö Elo
In January–June, the return on Elo’s investments was 7.8 (-4.1) per cent, or EUR 2,007.5 million. The market value of Elo’s investments at the end of June was EUR 27.8 billion. The solvency ratio was 126.6 per cent and solvency capital was 1.6 times the solvency limit.
Elo Mutual Pension Insurance Company - Financial statements 2020Työeläkeyhtiö Elo
Elo’s financial statements 2020, unaudited and not approved by the Board of Directors: The market value of Elo’s investments was EUR 25.9 (25.3) billion at the end of 2020. The return on investments was 3.6 per cent (13.0 per cent). The solvency ratio was 123.7 (124.4) per cent and solvency capital was 1.6 (1.6) times the solvency limit.
Elo Mutual Insurance Company Interim Report 30.9.2021 presentationTyöeläkeyhtiö Elo
In January–September, the return on Elo’s investments was 9.4 per cent, or EUR 2.4 billion. The market value of the investments was EUR 28.3 billion at the end of September. The solvency ratio was 126.9 per cent and solvency capital was 1.6 times the solvency limit.
Elo Mutual Insurance Company: Pension assets grew at a record pace – return E...Työeläkeyhtiö Elo
The global economy recovered strongly in 2021. Growth was stronger than it had been in decades. This was also reflected in Elo’s investment income. The return on Elo’s investments was 14.0% (3.6%). The market value of Elo’s investments was EUR 29.4 (25.9) billion at the end of 2021.
Elo Mutual Pension Insurance Company - Interim report 1 Januari - 31 March 2021Työeläkeyhtiö Elo
In January–March, the return on Elo’s investments was 3.9 (-9.5) per cent, or EUR 996.4 million. The market value of Elo’s investments at the end of March was EUR 26.8 billion. The solvency ratio was 125.0 per cent and solvency capital was 1.5 times the solvency limit.
Elo Mutual Insurance Company Interim Report 30.6.2021Työeläkeyhtiö Elo
In January–June, the return on Elo’s investments was 7.8 (-4.1) per cent, or EUR 2,007.5 million. The market value of Elo’s investments at the end of June was EUR 27.8 billion. The solvency ratio was 126.6 per cent and solvency capital was 1.6 times the solvency limit.
Elo Mutual Pension Insurance Company - Financial statements 2020Työeläkeyhtiö Elo
Elo’s financial statements 2020, unaudited and not approved by the Board of Directors: The market value of Elo’s investments was EUR 25.9 (25.3) billion at the end of 2020. The return on investments was 3.6 per cent (13.0 per cent). The solvency ratio was 123.7 (124.4) per cent and solvency capital was 1.6 (1.6) times the solvency limit.
Elo Mutual Insurance Company Interim Report 30.9.2021 presentationTyöeläkeyhtiö Elo
In January–September, the return on Elo’s investments was 9.4 per cent, or EUR 2.4 billion. The market value of the investments was EUR 28.3 billion at the end of September. The solvency ratio was 126.9 per cent and solvency capital was 1.6 times the solvency limit.
Elo Mutual Insurance Company: Pension assets grew at a record pace – return E...Työeläkeyhtiö Elo
The global economy recovered strongly in 2021. Growth was stronger than it had been in decades. This was also reflected in Elo’s investment income. The return on Elo’s investments was 14.0% (3.6%). The market value of Elo’s investments was EUR 29.4 (25.9) billion at the end of 2021.
The total return on Veritas’ investments was 3.9 per cent in April–June and 7.3 per cent in the first half of 2021. The good investment result strengthened Veritas’ solvency, which increased to 131.5 per cent at the end of June. Veritas’ solvency capital surpassed one billion euros for the first time. Veritas attracted a record number of new customers in the second quarter.
Economic growth slowed down and the financial market declined during the first half of the year. Elo’s return on investment was -4.5 per cent in January–June (7.8 per cent). The market value of Elo’s investments was EUR 28.0 (27.8) billion, and the result of Elo’s investment operations at fair values was EUR -1,141.3 (883.0) million. The solvency ratio was 123.6 (126.6) per cent and solvency capital was 1.5 (1.6) times the solvency limit.
The pandemic and the subsequent stimulus packages set the pace for the investment year 2020. The return on Veritas’ investments was 6.8 per cent in the fourth quarter of 2020, bringing the investment return for the whole year to 5.6 per cent. The good investment result strengthened Veritas’ solvency, which increased by the end of the year to 128.8 per cent.
The total return on Veritas’ investments was 8.3 per cent in January–September. Veritas’ equity investments performed best during the period of January–September, with a return of 17.2 per cent. The return on real estate investments was 4.1 per cent, fixed income investments 1.3 per cent and other investments 5.9 per cent.
The financial markets have recovered due to the massive stimulus measures. The total return on Veritas’ investments was 3.3 per cent in January–March. Good investment returns strengthened Veritas’ solvency.
The return from Veritas’ investments in January through September amounted to -6.2 per cent. Fixed-income investments generated a return of -8.2 per cent, equity investments -12.6 per cent, real estate investments 3.9 per cent and other investments 12.9 per cent.
Pension Insurance Company Veritas delivered strong growth in the year 2022. Veritas’ premiums written grew by 13.4 per cent, to nearly EUR 700 million. At the end of the year, Veritas provided insurance cover for nearly 68 000 employees and over 14 000 entrepreneurs.
Global growth slowed down further in the third quarter. Elo’s total return on investment remained negative due to the deterioration of the general economic situation.
Elo interim report 1 January–30 September 2023: Return on investment was 2.7 per cent, as returns were reduced by write-downs on real estate investments
In January–June, the return on Elo’s investments was −4.1 per cent (7.2 per cent). The market value of the investments was EUR 24.0 billion. In the second quarter, return on investments was positive at 5.9 per cent (1.9 per cent). The solvency ratio was 119.4 per cent and solvency capital was 1.4 times the solvency limit.
During the period of January through June, the return on Veritas’ investments amounted to -6.7 per cent. Fixed-income investments generated a return of -7.6 per cent, equity investments a return of -12.5 per cent, real estate 2.9 per cent and other investments 8.3 per cent. The solvency stayed on a protective level in a constantly changing market.
The return on Veritas’ investments was 2.3 per cent for the period of January–September. The return on fixed income investments was 3.7 per cent, equity investments 3.2 per cent, real estate -2.5 per cent and other investments 3.3 per cent.
Pension Insurance Company Veritas delivered strong growth in the year 2022. Veritas’ premiums written grew by 13.4 per cent, to nearly EUR 700 million. At the end of the year, Veritas provided insurance cover for nearly 68 000 employees and over 14 000 entrepreneurs.
In January–September, the return on Elo’s investments was –1.6 per cent (9.4 per cent). The market value of the investments was EUR 24.6 billion at the end of September. In the third quarter, return on investments was 2.6 per cent (2.0 per cent). The solvency ratio was 120.6 per cent and solvency capital was 1.4 times the solvency limit.
During the first quarter of this year, the return on Veritas’ investments amounted to -3.5 per cent. Fixed-income instruments yielded -3.0 per cent, equity investments -6.8 per cent, real estate 1.2 per cent and other investments 3.0 per cent. The high returns generated last year have ensured that we are well-equipped to tackle this year.
The return on Veritas’ investments was 1.6 per cent in the first quarter of the year. The return on fixed-income investments was 2.0 per cent, equity investments 2.4 per cent, real estate 1.1 per cent and other investments -0.6 per cent.
The return on Veritas’ investments was 1.6 per cent in the first quarter of the year. The return on fixed-income investments was 2.0 per cent, equity investments 2.4 per cent, real estate 1.1 per cent and other investments -0.6 per cent.
Delårsrapport 1.1–31.3.2024 Ömsesidiga Arbetspensionsförsäkringsbolaget EloTyöeläkeyhtiö Elo
Elos placeringar gav en god avkastning i början av året. Bäst avkastade noterade aktieplaceringar och placeringar i hedgefonder. Avkastningarna på aktiemarknaden stöddes av förväntningarna på en lättare penningpolitik och av ökade förväntningar på resultattillväxt i teknologiföretagen. Elos solvensnivå ökade och driftskostnaderna minskade.
Interimreport1 January–31 March2024 Elo Mutual Pension Insurance CompanyTyöeläkeyhtiö Elo
Elo’s investments generated good returns during the first quarter. Listed equities and hedge fund investments generated the highest returns. Equity market returns were supported by expectations of monetary policy easing and a significant strengthening of the profit growth expectations of technology companies. Elo’s solvency ratio increased and operating expenses decreased.
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Similar to Elo’s return on investment 1.9 per cent – burdened by uncertainty, the first quarter depressed the financial market globally
The total return on Veritas’ investments was 3.9 per cent in April–June and 7.3 per cent in the first half of 2021. The good investment result strengthened Veritas’ solvency, which increased to 131.5 per cent at the end of June. Veritas’ solvency capital surpassed one billion euros for the first time. Veritas attracted a record number of new customers in the second quarter.
Economic growth slowed down and the financial market declined during the first half of the year. Elo’s return on investment was -4.5 per cent in January–June (7.8 per cent). The market value of Elo’s investments was EUR 28.0 (27.8) billion, and the result of Elo’s investment operations at fair values was EUR -1,141.3 (883.0) million. The solvency ratio was 123.6 (126.6) per cent and solvency capital was 1.5 (1.6) times the solvency limit.
The pandemic and the subsequent stimulus packages set the pace for the investment year 2020. The return on Veritas’ investments was 6.8 per cent in the fourth quarter of 2020, bringing the investment return for the whole year to 5.6 per cent. The good investment result strengthened Veritas’ solvency, which increased by the end of the year to 128.8 per cent.
The total return on Veritas’ investments was 8.3 per cent in January–September. Veritas’ equity investments performed best during the period of January–September, with a return of 17.2 per cent. The return on real estate investments was 4.1 per cent, fixed income investments 1.3 per cent and other investments 5.9 per cent.
The financial markets have recovered due to the massive stimulus measures. The total return on Veritas’ investments was 3.3 per cent in January–March. Good investment returns strengthened Veritas’ solvency.
The return from Veritas’ investments in January through September amounted to -6.2 per cent. Fixed-income investments generated a return of -8.2 per cent, equity investments -12.6 per cent, real estate investments 3.9 per cent and other investments 12.9 per cent.
Pension Insurance Company Veritas delivered strong growth in the year 2022. Veritas’ premiums written grew by 13.4 per cent, to nearly EUR 700 million. At the end of the year, Veritas provided insurance cover for nearly 68 000 employees and over 14 000 entrepreneurs.
Global growth slowed down further in the third quarter. Elo’s total return on investment remained negative due to the deterioration of the general economic situation.
Elo interim report 1 January–30 September 2023: Return on investment was 2.7 per cent, as returns were reduced by write-downs on real estate investments
In January–June, the return on Elo’s investments was −4.1 per cent (7.2 per cent). The market value of the investments was EUR 24.0 billion. In the second quarter, return on investments was positive at 5.9 per cent (1.9 per cent). The solvency ratio was 119.4 per cent and solvency capital was 1.4 times the solvency limit.
During the period of January through June, the return on Veritas’ investments amounted to -6.7 per cent. Fixed-income investments generated a return of -7.6 per cent, equity investments a return of -12.5 per cent, real estate 2.9 per cent and other investments 8.3 per cent. The solvency stayed on a protective level in a constantly changing market.
The return on Veritas’ investments was 2.3 per cent for the period of January–September. The return on fixed income investments was 3.7 per cent, equity investments 3.2 per cent, real estate -2.5 per cent and other investments 3.3 per cent.
Pension Insurance Company Veritas delivered strong growth in the year 2022. Veritas’ premiums written grew by 13.4 per cent, to nearly EUR 700 million. At the end of the year, Veritas provided insurance cover for nearly 68 000 employees and over 14 000 entrepreneurs.
In January–September, the return on Elo’s investments was –1.6 per cent (9.4 per cent). The market value of the investments was EUR 24.6 billion at the end of September. In the third quarter, return on investments was 2.6 per cent (2.0 per cent). The solvency ratio was 120.6 per cent and solvency capital was 1.4 times the solvency limit.
During the first quarter of this year, the return on Veritas’ investments amounted to -3.5 per cent. Fixed-income instruments yielded -3.0 per cent, equity investments -6.8 per cent, real estate 1.2 per cent and other investments 3.0 per cent. The high returns generated last year have ensured that we are well-equipped to tackle this year.
The return on Veritas’ investments was 1.6 per cent in the first quarter of the year. The return on fixed-income investments was 2.0 per cent, equity investments 2.4 per cent, real estate 1.1 per cent and other investments -0.6 per cent.
The return on Veritas’ investments was 1.6 per cent in the first quarter of the year. The return on fixed-income investments was 2.0 per cent, equity investments 2.4 per cent, real estate 1.1 per cent and other investments -0.6 per cent.
Similar to Elo’s return on investment 1.9 per cent – burdened by uncertainty, the first quarter depressed the financial market globally (20)
Delårsrapport 1.1–31.3.2024 Ömsesidiga Arbetspensionsförsäkringsbolaget EloTyöeläkeyhtiö Elo
Elos placeringar gav en god avkastning i början av året. Bäst avkastade noterade aktieplaceringar och placeringar i hedgefonder. Avkastningarna på aktiemarknaden stöddes av förväntningarna på en lättare penningpolitik och av ökade förväntningar på resultattillväxt i teknologiföretagen. Elos solvensnivå ökade och driftskostnaderna minskade.
Interimreport1 January–31 March2024 Elo Mutual Pension Insurance CompanyTyöeläkeyhtiö Elo
Elo’s investments generated good returns during the first quarter. Listed equities and hedge fund investments generated the highest returns. Equity market returns were supported by expectations of monetary policy easing and a significant strengthening of the profit growth expectations of technology companies. Elo’s solvency ratio increased and operating expenses decreased.
Elon sijoitukset tuottivat hyvin alkuvuonna. Noteeratut osakesijoitukset ja hedge-rahastosijoitukset tuottivat parhaiten. Osakemarkkinatuottoja tukivat odotukset rahapolitiikan keventymisestä ja teknologiayhtiöiden tuloskasvuodotusten vahvistuminen. Elon vakavaraisuusaste nousi ja liikekulut alenivat.
Elon tulos 2023: Sijoitustoiminnan tuotto nousi 6 prosenttiin ja kustannusteh...Työeläkeyhtiö Elo
Tehostimme toimintaamme edelleen ja maksamme asiakkaillemme takaisin 10,4 miljoonaa euroa palautuksina. Lisäksi asiakkaamme maksavat vuonna 2024 huomattavasti pienempää hoitomaksua.
Elos resultat 2023: placeringsintäkterna uppgick till 6 procent och kostnads...Työeläkeyhtiö Elo
Visionen i Elos strategi är att växa till det mest tilltalande pensionsbolaget. För att uppnå målet koncentrerar Elo på fem centrala mål som är att vara det mest kundvänliga bolaget med snabbast tillväxt, att vara högpresterande inom sina tjänster, att erbjuda en utomordentlig personalupplevelse, att vara en föregångare inom arbetsförmågetjänster och att ha en tillräcklig solvens
Elo’s result 2023: Return on investment increased to 6 per cent and cost effi...Työeläkeyhtiö Elo
Elo’s strategic goal is to become the most preferred pension company in the industry. To achieve this goal, the focus will be on five key objectives: the most customer-centric and fastest growing, strong performance in services, excellent employee experience, a pioneer in work ability services and adequate solvency.
Största delen av Elos tillgångsslag avkastade positivt i det krävande marknadsläget. Den ekono-miska tillväxten var fortfarande god och inflationen var på en fortsatt hög nivå i början av året. I mars ökade emellertid osäkerheten på placeringsmarknaden och förväntningarna på den ekonomiska tillväxten försvagades, då vissa banker hamnade i svårigheter som en följd av den förhöjda räntenivån.
Suurin osa Elon omaisuuslajeista tuotti positiivisesti haastavassa markkinatilanteessa. Talouskasvu jatkui vielä hyvänä ja inflaatio pysyi korkealla tasolla alkuvuonna. Maaliskuussa sijoitusmarkkinoiden epävarmuus kuitenkin kasvoi ja odotukset talouskasvulle heikkenivät, kun tietyt pankit ajautuivat vaikeuksiin nousseen korkotason seurauksena.
Avkastningen på Elos placeringsverksamhet var negativ som en följd av det allmänt försvagade ekonomiska läget. Omställningsförhandlingarna på hösten ledde till att 44 arbetsuppgifter upphörde i Elo. En ny strategi lotsar Elo fram till målet om att vara det mest tilltalande bolaget inom branschen år 2025.
Avkastningen på Elos placeringsverksamhet var negativ som en följd av det allmänt försvagade ekonomiska läget. Omställningsförhandlingarna på hösten ledde till att 44 arbetsuppgifter upphörde i Elo.
Työeläkeyhtiö Elon osavuosikatsaus 1.1. - 30.9.2022Työeläkeyhtiö Elo
Globaali kasvu hidastui edelleen vuoden kolmannella vuosineljänneksellä. Elon sijoitustoiminnan kokonaistuotto jäi negatiiviseksi yleisen taloustilanteen heikkenemisen myötä. Syksyllä käytyjen muutosneuvottelujen seurauksena Elosta väheni 44 tehtävää. Uusi strategia luotsaa Eloa kohti tavoitetta olla toimialan vetovoimaisin yritys vuonna 2025.
Den ekonomiska tillväxten avmattades och placeringsmarknaden sjönk under början av året. Elos placeringar avkastade -4,5 (7,8) procent i januari–juni. Placeringarnas marknadsvärde uppgick i slutet av juni till 28,0 (27,8) miljarder euro och resultatet av placeringsverksamheten till verkligt värde var ‑1 141,3 (883,0) miljoner euro. Solvensnivån var 123,6 (126,6) procent och solvenskapitalet var 1,5-faldigt (1,6-faldigt) i förhållande till solvensgränsen.
Työeläkeyhtiö Elo: osavuosikatsaus 1.1. - 30.6.2022Työeläkeyhtiö Elo
Talouskasvu hidastui ja sijoitusmarkkinat laskivat alkuvuonna. Elon sijoitukset tuottivat tammi-kesäkuussa -4,5 (7,8) prosenttia. Sijoitusten markkina-arvo oli kesäkuun lopussa 28,0 (27,8) miljardia euroa ja tulos käyvin arvoin oli -1 141,3 (883,0) miljoonaa euroa. Vakavaraisuusaste oli 123,6 (126,6) prosenttia ja vakavaraisuuspääoma oli 1,5-kertainen (1,6-kertainen) vakavaraisuusrajaan nähden.
Elos placeringsavkastning var -1,9 procent – osäkerheten i början av året try...Työeläkeyhtiö Elo
Tilltagande inflation, en global åtstramning av penningpolitiken och Rysslands anfallskrig mot Ukraina ökade osäkerheten och inverkade negativt på placeringsmarknaden. Elos placeringar avkastade -1,9 (3,9) procent. Placeringarnas marknadsvärde var 28,8 (26,8) miljarder euro vid utgången av det första kvartalet 2022. Solvensnivån var 126,1 (125,0) procent.
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Currently pi network is not tradable on binance or any other exchange because we are still in the enclosed mainnet.
Right now the only way to sell pi coins is by trading with a verified merchant.
What is a pi merchant?
A pi merchant is someone verified by pi network team and allowed to barter pi coins for goods and services.
Since pi network is not doing any pre-sale The only way exchanges like binance/huobi or crypto whales can get pi is by buying from miners. And a merchant stands in between the exchanges and the miners.
I will leave the telegram contact of my personal pi merchant. I and my friends has traded more than 6000pi coins successfully
Tele-gram
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
Falcon stands out as a top-tier P2P Invoice Discounting platform in India, bridging esteemed blue-chip companies and eager investors. Our goal is to transform the investment landscape in India by establishing a comprehensive destination for borrowers and investors with diverse profiles and needs, all while minimizing risk. What sets Falcon apart is the elimination of intermediaries such as commercial banks and depository institutions, allowing investors to enjoy higher yields.
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
what is the future of Pi Network currency.DOT TECH
The future of the Pi cryptocurrency is uncertain, and its success will depend on several factors. Pi is a relatively new cryptocurrency that aims to be user-friendly and accessible to a wide audience. Here are a few key considerations for its future:
Message: @Pi_vendor_247 on telegram if u want to sell PI COINS.
1. Mainnet Launch: As of my last knowledge update in January 2022, Pi was still in the testnet phase. Its success will depend on a successful transition to a mainnet, where actual transactions can take place.
2. User Adoption: Pi's success will be closely tied to user adoption. The more users who join the network and actively participate, the stronger the ecosystem can become.
3. Utility and Use Cases: For a cryptocurrency to thrive, it must offer utility and practical use cases. The Pi team has talked about various applications, including peer-to-peer transactions, smart contracts, and more. The development and implementation of these features will be essential.
4. Regulatory Environment: The regulatory environment for cryptocurrencies is evolving globally. How Pi navigates and complies with regulations in various jurisdictions will significantly impact its future.
5. Technology Development: The Pi network must continue to develop and improve its technology, security, and scalability to compete with established cryptocurrencies.
6. Community Engagement: The Pi community plays a critical role in its future. Engaged users can help build trust and grow the network.
7. Monetization and Sustainability: The Pi team's monetization strategy, such as fees, partnerships, or other revenue sources, will affect its long-term sustainability.
It's essential to approach Pi or any new cryptocurrency with caution and conduct due diligence. Cryptocurrency investments involve risks, and potential rewards can be uncertain. The success and future of Pi will depend on the collective efforts of its team, community, and the broader cryptocurrency market dynamics. It's advisable to stay updated on Pi's development and follow any updates from the official Pi Network website or announcements from the team.
where can I find a legit pi merchant onlineDOT TECH
Yes. This is very easy what you need is a recommendation from someone who has successfully traded pi coins before with a merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi network coins and resell them to Investors looking forward to hold thousands of pi coins before the open mainnet.
I will leave the telegram contact of my personal pi merchant to trade with
@Pi_vendor_247
what is the best method to sell pi coins in 2024DOT TECH
The best way to sell your pi coins safely is trading with an exchange..but since pi is not launched in any exchange, and second option is through a VERIFIED pi merchant.
Who is a pi merchant?
A pi merchant is someone who buys pi coins from miners and pioneers and resell them to Investors looking forward to hold massive amounts before mainnet launch in 2026.
I will leave the telegram contact of my personal pi merchant to trade pi coins with.
@Pi_vendor_247
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how to sell pi coins effectively (from 50 - 100k pi)DOT TECH
Anywhere in the world, including Africa, America, and Europe, you can sell Pi Network Coins online and receive cash through online payment options.
Pi has not yet been launched on any exchange because we are currently using the confined Mainnet. The planned launch date for Pi is June 28, 2026.
Reselling to investors who want to hold until the mainnet launch in 2026 is currently the sole way to sell.
Consequently, right now. All you need to do is select the right pi network provider.
Who is a pi merchant?
An individual who buys coins from miners on the pi network and resells them to investors hoping to hang onto them until the mainnet is launched is known as a pi merchant.
debuts.
I'll provide you the Telegram username
@Pi_vendor_247
Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<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.
2. Interim report 31 March 2022
Key figures 31 March 2022
28.8EUR billion
Investment assets
%
Solvency ratio
6.3%
10-year nominal return
1 040EUR million
Pensions and other
benefits paid
989EUR million
Premiums written
-1.9%
Return
126.1
2
3. Interim report 31 March 2022
3
Number of YEL policyholders
84 200
Number of TyEL policyholders
51 800
Total number of self-employed
persons and employees insured
485 100
We pay out pensions to
244 200
pensioners
4. • Elo is the largest pension insurer of self-employed persons in
Finland. One in three employer companies use Elo to insure
their employees.
• For us, it is important to take care of the YEL earned income
level of our self-employed customers. We have refined our
processes and regularly monitor the development of earned
income. Earned income levels of new self-employed persons
developed positively in January–March.
• Elo’s customer service was at an excellent level in the first
quarter. NPS scores developed favourably.
• Continuous development was reflected in faster than average
pension decisions For example, decisions on old-age
pensions were issued in two days on average.
Smooth customer service for
businesses and self-employed and
insured persons
Interim report 31 March 2022
4
5. • Mental health reasons continued to be the most
common reason for applying for disability pension early
in the year, but their share of applications is declining.
• The rejection rate of disability pensions increased,
timing of applying for rehabilitation is often the issue.
• Russia’s war of aggression in Ukraine has caused some
concerns among Elo’s pension customers. Customer
service has received questions concerning the payment
of pensions in any disruptions.
• Elo has actively assessed the potential impacts of the
war in Ukraine on Elo’s operations and paid attention to
continuity management.
Latest news about pension
insurance
Interim report 31 March 2022
5
6. • The FIN-FSA appointed attorney Pekka Jaatinen, LLM, as an
authorised representative on 11 December 2020 to
supervise the activities of Elo.
• In November 2021 Elo submitted a plan for developing the
management and administration system to FIN-FSA. The
last measures included in this plan were implemented in
March 2022. These determined efforts have continued in
good co-operation with the supervisory authority and the
authorised representative.
• We are in the third and final stage of the authorised
representative oversight, where the authorised
representative monitors the functionality and efficiency of
the measures taken.
Development of Elo’s corporate
governance and management system
Interim report 31 March 2022
6
7. Pensions paid by pension type Development of pensions paid
The number of pensioners approximately 244 200
Interim report 31 March 2022
7
Pensions paid 2022
Type of pension pcs. EUR million
Old-age pension 186 284 798
Disability pension 21 572 79
Survivors’ pension 30 505 54
Part-time pension 11 0
Partial early old-age pension 5 817 13
Years-of-service pension 28 0
Total 244 217 945
792 826
114
119
0
100
200
300
400
500
600
700
800
900
1,000
3/2021 3/2022
TyEL EUR million YEL EUR million
8. Interim report 31 March 2022
Premiums written at the same level as the previous
year
8
983 989
0
500
1,000
1,500
2,000
2,500
3,000
3,500
4,000
4,500
2013 2014 2015 2016 2017 2018 2019 2020 3/2021 2021 3/2022
EUR million
9. Key solvency figures Solvency ratio and position
Solvency at a good level
Interim report 31 March 2022
9
3,935
5,082
5,055
6,573
6,070
0
2,000
4,000
6,000
8,000
10,000
12,000
14,000
2018 2019 2020 2021 3/2022
EUR million
Solvency capital Maximum amount of solvency capital Solvency limit
120.6 %
124.4 % 123.7 %
128.1 %
126.1 %
1.6 1.6 1.6 1.6 1.6
0.0
2.0
4.0
6.0
100%
110%
120%
130%
2018 2019 2020 2021 3/2022
Solvency ratio, % Solvency position
10. Interim report 31 March 2022
Summary of key figures
10
3/2022 3/2021 2021
Investment assets at fair value, EUR million 28,770.2 26,800.5 29,421.9
Net return from investment on capital employed, % -1.9 % 3.9 % 14.0 %
Average nominal return, over 10 years 6.3 % 5.6 % 6.9 %
Average nominal return, over 5 years 6.1 % 6.4 % 7.2 %
Premiums written, EUR million 989.0 983.1 4,035.9
Pensions and other benefits paid, EUR million 1,040.0 1,001.4 4,030.2
Technical provisions, EUR million 23,947.2 22,792.2 23,750.4
Number of TyEL policyholders 51,800 49,100 51,200
Number of YEL policyholders 84,200 83,300 84,500
Number of pensioners 244,200 242,800 246,100
Solvency capital, EUR million 6,070.5 5,479.0 6,573.4
Solvency position 1.6 1.5 1.6
Solvency ratio, % 126.1 % 125.0 % 128.1 %
11. A look at investments
Interim report 31 March 2022
11
12. • Following the strong recovery last year, economic growth was expected to slow
down during 2022, but to remain above permanent trend growth Accelerating
inflation and global tightening of monetary policy were the key risks to growth.
• Russia’s invasion of Ukraine accelerated inflation further, in addition to which the
war and the resulting economic sanctions further weakened the prerequisites for
economic growth, especially in Europe.
• As a result of the accelerating inflation, the US Federal Reserve increased its rates
in March for the first time since December 2018. The European Central Bank also
announced that it will tighten its monetary policy.
• Financial market returns weakened early in the year. The equity market decreased
strongly, with the steepest decline seen after Russia invaded Ukraine. Accelerating
inflation and surged inflation expectations have considerably increased interest
rates.
Interim report 31 March 2022
Prerequisites for economic growth have weakened
12
13. Asset allocation Investment assets
Investment assets amounted to EUR 28.8 billion
Interim report 31 March 2022
13
o Elo started to reduce its listed equity allocation already at the end of January, taking into account the
expected weakening of economic growth and accelerating inflation.
39 34 36 30 32
40 46 44 50 47
13 12 13 12 13
8 7 7 8 8
0 %
20 %
40 %
60 %
80 %
100 %
2018 2019 2020 2021 3/2022
Fixed-income Equities Real estate Other investments
28,770
0
5,000
10,000
15,000
20,000
25,000
30,000
35,000
2013 2014 2015 2016 2017 2018 2019 2020 2021 3/2022
EUR million
14. Return on investments by asset class
Private equity investment improved the equity
investment returns
Interim report 31 March 2022
14
0.8 %
-2.6 %
0.3 %
-7.7 %
6.8 %
1.0 %
1.3 %
0.9 %
-10% -8% -6% -4% -2% 0% 2% 4% 6% 8%
Loans
Bonds
Other money market instruments
and deposits
Listed equities
Private equity investments
Unlisted equity investments
Real estate
Other investments
15. Return on investment -1.9% in the first quarter
Interim report 31 March 2022
15
Return Volatility
EUR
million
% % %
Fixed-income investments 8,965.8 31.2 7,986.1 27.8 -1.7
Loans 490.3 1.7 490.3 1.7 0.8
Bonds 6,419.4 22.3 4,108.5 14.3 -2.6 9.2
Public bonds 2,488.4 8.6 1,508.7 5.2 -2.9
Other bonds 3,931.0 13.7 2,599.9 9.0 -2.3
Other money market instruments and deposits
incl. any receivables and liabilities related to 2,056.1 7.1 3,387.2 11.8 0.3
Equities 13,701.2 47.6 13,444.4 46.7 -3.3
Listed equities 8,752.0 30.4 8,495.1 29.5 -7.7 12.2
Private equity investments 4,355.4 15.1 4,355.4 15.1 6.8
Unlisted equity investments 593.9 2.1 593.9 2.1 1.0
Real estate 3,721.5 12.9 3,721.5 12.9 1.3
Direct real estate investments 2,619.3 9.1 2,619.3 9.1 0.6
Real estate funds and joint investment companies 1,102.2 3.8 1,102.2 3.8 2.8
Other investments 2,381.7 8.3 2,413.9 8.4 0.9
Hedge fund investments 2,389.5 8.3 2,389.5 8.3 0.1 5.5
Commodity investments 1.1 0.0 31.7 -0.1 -
Other investments -8.9 0.0 -7.2 0.0 -
Total investments 28,770.2 100.0 27,565.8 95.8 -1.9 4.8
Effect of derivatives 1,204.4 4.2
Total 28,770.2 100.0 28,770.2 100.0
The return on foreign currency derivatives is estimated for asset classes in proportion to the average foreign currency-denominated assets
during the reporting period.
The total return includes returns, expenses and operating expenses not allocated to investment classes. The modified duration of bonds is 2.9.
The open currency exposure is 25.1% of market value.
EUR million
Actual risk
position
Basic allocation
by market value
16. Geographical distribution of investments Investments in Finland by asset class
One-fourth of investments in Finland
Interim report 31 March 2022
and private equity investments
16
24 %
29 %
25 %
21 %
Finland Europe North America Other regions
11 %
37 %
11 %
41 %
Fixed-income investments Listed equities
Unlisted equities Real estate
17. Returns weakened in the first quarter due to
accelerating inflation and global tightening of
monetary policy
Interim report 31 March 2022
17
1.5 % 1.6 % 1.3 %
-0.4 %
1.2 % 1.4 %
-3.5 %
5.2 %
1.9 % 2.0 %
3.3 %
-9.5 %
5.9 %
2.6 %
5.3 %
3.9 % 3.8 %
1.5 %
4.3 %
-1.9 %
Q2 Q3 Q4 Q1/2018 Q2 Q3 Q4 Q1/2019 Q2 Q3 Q4 Q1/2020 Q2 Q3 Q4 Q1/2021 Q2 Q3 Q4 Q1/2022
18. Investment returns Average return on investments over time
Ten-year return was 6.3 per cent per annum
7.1 %
6.2 %
5.0 %
5.6 %
7.4 %
-1.4 %
13.0 %
3.6 %
14.0 %
-1.9 %
-4%
0%
4%
8%
12%
16%
2013 2014 2015 2016 2017 2018 2019 2020 2021 3/2022
Interim report 31 March 2022
18
4.1 %
6.1 %
4.9 %
6.3 %
0% 2% 4% 6% 8%
5-year real return
5-year nominal return
10-year real return
10-year nominal return
19. Investments have returned almost EUR 11.5 billion
since Elo started operations
Interim report 31 March 2022
19
163.2
100
120
140
160
180
2014 2015 2016 2017 2018 2019 2020 2021 2022
Indexed
return
20. • Elo published the Annual and Responsibility Report 2021 in March.
• For the first time, the report included the carbon footprint from Elo’s own operations in line with
the Greenhouse Gas (GHG) Protocol.
• We also introduced new carbon metrics of our investments. Elo disclosed absolute emissions and
scope 3 upstream emissions of its listed equity and corporate bond investments, among other
things.
• For the fourth time, Elo reported climate-related financial information in accordance with the TCFD
(Task Force on Climate-related Financial Disclosures).
• Elo is participating in the Responsible Employer campaign for the third time. The
employers participating in the campaign make a commitment to developing and
promoting six principles of responsible employment that are related to employee
well-being, motivation and commitment to the employer.
Interim report 31 March 2022
We report on our sustainability transparently
20
21. • The outlook for the global economy and financial markets is very uncertain. If
prolonged, Russia’s war of aggression will accelerate inflation as a result of steep
increases in the prices of energy, food and other raw materials.
• Furthermore, the production and delivery issues caused by COVID-19 result in
problems in the global economy and will sustain inflation for longer than expected.
Central banks have announced that they will mitigate inflation by further tightening
monetary policy.
• The European economy is associated with particularly many challenges, such as soft
economic growth combined with high inflation. In addition, major European
countries are significantly dependent on energy imported from Russia, and the
transition to renewable energy sources is, despite the good start, still in progress.
• Finland’s economic development is also uncertain, even though inflation is more
moderate than in the EU on average. From the point of view of the equity market,
how companies will be able to maintain profitability with a risk of cost increases is
essential. Interim report 31 March 2022
Future outlook
21