Tag Archives: T

What Will $2 Million Get You In Retirement?

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By Doug Carey:

I spend a lot of time helping people understand how much money they will need to meet their retirement goals. Today I want to look at this another way: What will $2 million actually get you in retirement? This is an interesting question because a) Many people believe that $2 million is a comfortable amount to meet their retirement goals and b) We can look at the different ways in which a couple can use this $2 million without running out of money.

Like any retirement calculations, this one involves many assumptions. But as long as our assumptions are reasonable, say 6% for equity returns rather than the 10% figure that many people used to use, we can come up with a very reasonable estimate for how much money one needs to retire comfortably.

Let’s start with the assumptions I used for the couple we will look at:

Inflation (CPI)


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Nokia’s About To Have A Blockbuster Week

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ByAbu Bakr Hussain:

Nokia (NOK) could be about to catalyze upwards this week in the move we’ve all been waiting for. Over the next few days, it’s about to introduce several exciting new entrants into its Lumia line-up, which will generate significant positive press coverage. This will help provide a welcome boost to Nokia investors who are well used to a roller coaster ride watching the stock. It will also make good on the promise of Nokia CEO Stephen Elop to give us “…a season of new product introductions” made in the Q1 2013 earnings call. So let’s take a look at what to expect, starting with the first device due to hit our shelves on Thursday (5/16/13), the Verizon (VZ) Nokia Lumia 928.

Verizon Nokia Lumia 928

The Nokia Lumia 928, announced online on Friday 10th May, is very much what the 920 should have been in its


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5 Highest Yielding, High Quality, Low Volatility, Consistent Dividend Growers

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richard shawBy Richard Shaw (QVM Group):

In our prior article “5 Top Stocks for Dividends, Low Volatility, High Quality and Analyst Ratings” we got an important question that deserves a solid answer.

Note: This article has been amended to change yield data from “12-month distribution yields” which were distorted by special distributions in 2012, to yield data from Bloomberg that is “indicated gross yield”. As a consequence, the list of stocks has changed. The former list was based on trailing distribution yields, while this amended list is based on indicated yields.

This article is a response to a comment to our prior article that is a fairly common point of view. We think the view is potentially dangerous and deserves a rebuttal.

The commenter said,

"When discussing dividend stocks, 2-3% is just too low. Not talking about risky high fliers that pay 10% +, just stocks, ETFs, and funds that pay enough


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Team Alpha Retirement Portfolio: Impressive Returns Plus Impressive Dividend Hikes

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By Regarded Solutions:

This month’s update for the Team Alpha Retirement Portfolio is unique. Not because the month was wonderful, actually the gains were minor, but because for the month of April, we made no major changes to the portfolio aside from swapping PFF for WFC. When all was said and done, the portfolio continues to show impressive gains.

The Team Alpha portfolio consists of Ford (F) Chevron (CVX) Apple (AAPL), McDonald’s (MCD), Exxon Mobil (XOM), Johnson & Johnson (JNJ), AT&T (T), General Electric (GE), BlackRock Kelso Capital (BKCC), KKR Financial (KFN), Procter & Gamble (PG), CSX Corp. (CSX), Realty Income (O), Coca-Cola (KO), Annaly Capital (NLY), Cisco (CSCO), Bristol-Myers Squibb (BMY), Healthcare Select Sector SPDR (XLV), and Wells Fargo (WFC).

I wrote this article, in which I stated that there are


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Wall Street Breakfast: Must-Know News

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Wall Street Breakfast Editors submit:

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Nokia shares slump after revenue drops 20%. Nokia (NOK) shares cratered 12.6% premarket after the company reported that Q1 sales plunged 20% to €5.85B and missed consensus of €6.55B. The company’s adjusted loss per share narrowed €0.02 from €0.08 and beat forecasts of €0.04, while the firm also swung to a non-IFRS operating profit €181M from a loss of €258M. Lumia sales climbed 27% on quarter to 5.6M units, and Nokia predicted even faster growth for Q2.

eBay’s net profit rises 19%. eBay’s (EBAY) net profit jumped 19% to $677M in Q1, boosted by "accelerating user growth across both Marketplaces and PayPal." EPS of $0.63 topped forecasts, and while revenue climbed 14% to $3.75B, the figure missed expectations. eBay’s EPS and revenue guidance for Q2 was also below consensus. "They’ve turned it around in the last couple of years," says analyst Benjamin Schachter. "But the


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The Dow Weekly: 5 Cheapest Price-to-Book Stocks

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ByMichael Fu:

This is the second edition of the weekly series called The Weekly Dow (for last week’s article on the Top 5 Dividend Plays, click here). This week, we will look at the 5 cheapest Price-to-Book multiple stocks in the Dow Index Industrials Index (DIA). By the way, please reference my prior article on the pros and cons of looking at book value, specifically as it applies to bank and insurance stocks.

The 5 Cheapest P/B Stocks

As of April 9, 2013, the 5 cheapest P/B stocks in the Dow are Alcoa (AA) at 0.7x, Bank of America (BAC) at 0.9x, JP Morgan (JPM) at 1.2x, Travelers (TRV) at 1.3x and Verizon (VZ) at 1.7x.

Note that 3 of these stocks (BAC, JPM and TRV) are bank and insurance stocks. Note that bank stocks and insurance stocks are levered, and the financial assets that are held on their balance


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A Flight To Safety Or Crash And Burn?

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By Regarded Solutions:

I have been thinking about what will happen when (if?) the market, and our Team Alpha Retirement Portfolio, corrects (view the latest update here). Make no mistake about this; at some point the market will correct. I say IF, tongue in cheek, because throughout history every bull market corrects. This bull market will be no different.

Actually there is ONE difference, especially for us retired folks. In past market corrections, investors could park portfolio assets into fixed income securities, like Treasury Bonds. Since the equity markets were in a bull mode, interest rates for Treasuries were decent and the actual cost of the bonds were at or below par. A pretty good place for a “flight to safety”. In the very least, our money was just about keeping pace with inflation, and was safe by virtue of the fact that it was backed by the USA.

Now,


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Wall Street Breakfast: Must-Know News

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Wall Street Breakfast Editors submit:

Top Stories
Eurozone inflation drops further away from ECB’s target. As expected, eurozone inflation dropped to an annual rate of 1.7% in March from 1.8% in February, falling further away from the ECB’s target of just under 2%. Given the fairly poor state of the eurozone economy, the decline in prices could provide scope for the ECB to ease monetary policy further when officials meet tomorrow, although it’s not expected to cut interest rates from the current level of 0.75%.

DJIA, S&P eye further highs. The Dow Jones and the S&P 500 look set to add to their record finishes yesterday, with U.S. stock futures higher in pre-market trading despite shares in Europe falling. The continued bull run in the U.S. came as health insurers rallied on positive Medicare reimbursement news and as U.S. factory orders rose in February. ADP is due to issue its March report today,


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