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    Deposit Insurance Scheme

    Singapore dollar deposits of non-bank depositors are insured by the Singapore Deposit Insurance Corporation, for up to S$50,000 in aggregate per depositor per Scheme member by law.

    What should I do before I start investing?

    Know your current financial situation. Before you begin to think about investing your money, you should know how much you could spare each month. Naturally, the more you can put aside now, the better it will be for your future. It’s up to you to achieve a balance between your current lifestyle and your expectations.

    Use our handy planning tool to find out how much you can invest. Or take a look at the example below.

    Calculate your income and expenses taking into account the following:

    • Mortgage repayments
    • Personal tax
    • Loans and overdrafts
    • Living expenses
    • Emergency funds
    • Car expenses
    • Entertainment
    • School fees
    • Family commitments

    Generally speaking, whatever spare cash you have after allowing for all your expenses is what you can afford to invest. You can commit a certain amount each month and look upon it as a monthly expense. As your salary increases, you should also increase the amount you invest proportionately. By doing this, you’ll be keeping up with inflation and your money will be working harder for you.

    I know how much I have to invest, now what?

    Once you know how much you can afford to invest, you can set your objectives – why you are investing and how you are planning to use your investments. Your objectives could incorporate any combination of the following:

    • Retirement
    • Protection for your family
    • Education for your children
    • Special needs or emergencies
    • Specific occasions (e.g. a wedding, buying a house, emigrating)
    • Wealth accrual

    Now make a list of your objectives, in order of priority, because you may not be able to afford to achieve every single goal. Divide your objectives also into long-, medium- and short-term goals. This will help you choose the type of investment you want to make. For example, if you plan to send your children to study abroad in three years’ time and you need to save for their tuition fees and living expenses, you’ll need a fairly low-risk investment. Think about when you will need the return as it also helps to determine the time horizon of your investment.

    How do I determine my risk level?

    Keeping your objectives in mind, determine how much risk you’re prepared to take. Do you want to adopt a conservative, moderate or aggressive investment strategy? Ask yourself the following questions before you make your decision:

    • Are you prepared to make long-term investments, which will allow you to take greater risks for higher returns?
    • If you’re going for short-term, high-risk investments, can you afford to lose some of the money you invest?
    • If you’re married with children, what level of risk can you take and still be certain of their future?
    • If you want your money to be safe, will you be content with a moderate rate of return?
    • If you opt for safe investments, will the returns be enough to cover inflation?

    The important thing to remember is that, in general, you can afford to choose higher-risk investment tools for longer-term investments because, even if they go down in the short term, they are likely to show an overall upward trend over a long period. But for short-term investments, you will find low-risk products a more reliable and safer option.


  • Best Investment Advisors, Fee Types, Assets (AUM) – more, angeles investment advisors.#Angeles #investment #advisors

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    Research the Best Investment Advisors

    Angeles investment advisors

    • Fee Type: You should first determine how the investment advisor gets paid. Advisors are usually paid in one of three ways: fee-only, fee-based, or commission-only. Each compensation method has potential benefits and drawbacks, depending on your individual needs. It is therefore essential that you understand each fee structure before choosing an advisor.
    • Client Focus: It is also important to decide what you need and expect from your advisor. Some investment advisors cover everything from taxes to estate planning, but not all of them can offer comprehensive advice on such a variety of topics. Registered Investment Advisors (RIAs) are those who specialize in a certain area of expertise. You should therefore consider the available client focus options, which range from charities and non-profits to hedge funds and insurance companies, to find an advisor who is well versed in your area(s) of investment.
    • AUM: Use the total assets under management (AUM) as an indicator of firm success. In most cases, the greater the assets, the more successful the firm. High numbers can be indicative of high earnings or a large number of clients (among other things), demonstrating the firm’s ability to make lucrative decisions and successfully manage many clients.
    • Disciplinary History: Before hiring an advisor or firm, do a background check and ensure they are SEC or state registered. You can use the SEC’s Investment Advisor Search, which will reveal any legal infractions and disciplinary actions taken against the firm. You can also check out registries with professional associations, such as the National Association of Personal Financial Advisors or Garrett Planning Network, to locate advisors in your area who have received training and agreed to adhere to the organizations’ ethical standards.

    After reading this guide and using our filters to narrow your choices, make a list of several investment advisors who you feel would effectively help you with your financial needs and goals. The next step is to set up meetings and interviews with all of them so you can gain more insight about their financial services and what they could do for you. Don’t shy away from asking for referrals from clients, and make sure not to settle on the first one you meet, even if he or she was recommended by someone you know.


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    Which Factors Matter to Investors: Explaining Mutual Fund Flows #mutual #fund #flows,larry #swdroe,the #bam #alliance,mutualfunds.com,factor

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    Larry Swedroe, Director of Research, 11/7/2016

    Despite all the evidence demonstrating that the vast majority of actively managed mutual funds underperform appropriate risk-adjusted benchmarks, the vast majority of mutual fund investors allocate their savings to active funds that seek to beat the market through some combination of fundamental and/or technical analysis. This is one of the great anomalies in finance. Why do investors choose to engage in practices that are highly likely to destroy value?

    The most likely explanation for this wealth-destroying behavior is that investors are unaware of the evidence. Another explanation might be that hope springs eternal, and investors do not like being “average” (meaning they confuse earning market returns with earning average returns). As Warren Buffett has said, if you choose to earn market returns, you are virtually sure to beat the great majority of investors, both individual and institutional. A third explanation may be that overconfidence is an all-too-human trait. Investors are aware of the evidence, but believe they will be among the few that can identify ex-ante the small percentage of active managers who will outperform in the future.

    At least in theory, when assessing an active mutual fund manager’s skill, investors should consider all factors that explain the cross-sectional variations in fund performance. The academic literature has identified a small list of factors able to explain the vast majority of the variation in returns of diversified portfolios: market beta, size, value, momentum, profitability and investment.

    Which Factors Matter to Investors?

    Brad Barber, Xing Huang and Terrance Odean contribute to the literature on investor behavior with their study, Which Factors Matter to Investors? Evidence from Mutual Fund Flows, which appears in the October 2016 issue of The Review of Financial Studies.

    The authors investigated whether investors tend to consider commonly used equity factors when assessing fund managers. In other words, do investors attempting to identify a skilled active manager strip out returns that can be traced to a fund’s exposure to investment factors known to explain cross-sectional equity returns? Fund flows should only respond to alpha, and not what is simply beta (loading on, or exposure to, a factor).

    Their sample period covered the period from 1996 to 2011 and included about 4,000 equity funds. The following is a summary of the authors’ findings:

    • The single-factor capital asset pricing model, with market beta as its sole explanatory factor, does the best job of predicting fund-flow relations. This result implies that investors tend to consider mutual funds’ market risk when evaluating performance, but tend to ignore other factor-related determinants of fund flows.
    • Returns related to a mutual fund’s market risk positively affect fund flows.
    • Investors do not completely ignore other factors that affect fund performance. However, they place less emphasis on the size and value factors than they do on market risk, and they found no evidence that investors pay attention to the momentum factor.
    • Investors who buy mutual funds from the broker-sold channel respond more to factor-related returns than investors in the direct-sold channel. Such investors are attributing returns to fund managers’ skill rather than to the factors that are responsible for the returns. These results are consistent with the notion that investors in the broker-sold channel are less sophisticated in their assessment of fund performance than investors in the direct-sold channel.
    • Investors buying in the direct-sold channel, as well as wealthier investors (more sophisticated investors), use more sophisticated models to assess fund manager skill, taking into account a fund’s exposure to factors (such as size and value) rather than attributing the excess returns to manager skill.

    Barber, Huang and Odean concluded: “Our empirical analysis has revealed that investors behave as if they are concerned about market risk, but are largely unaware of other factors that drive equity returns. We have found some evidence that investors attend to the value, size, and industry tilts of a fund when assessing managerial skill, but these effects are much weaker than those we observed for a fund’s beta. Moreover, we have found that investors strongly respond to the factor-related return associated with a fund’s Morningstar-style category. Since the category-level return is not under the control of the manager, this result suggests some mutual fund investors confuse a fund’s category-level performance and manager skill.”

    They also found that “the flows of investors who are likely more sophisticated – direct-sold fund investors, investors trading during low-sentiment periods, and wealthier investors – are generally less responsive to factor-related returns, suggesting that they are more aware that those returns are not indicative of the skills of the fund manager.”

    Finally, the authors noted that to “adjust for factor-related returns when evaluating a fund, an investor needs to know the factor return. Sophisticated investors will seek out this information. But less sophisticated investors may not be aware of size, value, momentum, or industry returns. The market’s performance, however, is ubiquitously reported. This may be one reason why investors do pay attention to market risk when evaluating mutual fund managers.”

    Summary

    In our book, The Incredible Shrinking Alpha, my co-author, Andrew Berkin, and I present evidence demonstrating that over the past 20 years playing the game of active management has become more and more of a losing proposition, with the percentage of active funds generating statistically significant alpha falling from about 20 percent to just 2 percent. And that’s before considering the impact of taxes (for taxable investors, taxes are typically the largest expense, even greater than the fund’s expense ratio or trading costs).

    Clearly, choosing to invest in actively managed mutual funds is playing a loser’s game; it’s one that’s possible to win, but the odds of doing so are so poor that it’s imprudent to try. If you are going to try and play that game anyway (by investing in managers that you believe have outperformed in the past, defying the evidence and the SEC’s warning that past outperformance isn’t predictive of future outperformance) at the very least you should know if the fund has been generating true risk-adjusted alpha, or whether its market-beating returns are simply a result of its exposure to other factors (such as size and value) that can be obtained more cheaply with passively managed funds.

    Fortunately, today investors can determine the risk-adjusted alpha of any fund, whether active or passive, simply by using the multi-factor regression tool available for free on Portfolio Visualizer .

    This commentary originally appeared October 19 on MutualFunds.com

    By clicking on any of the links above, you acknowledge that they are solely for your convenience, and do not necessarily imply any affiliations, sponsorships, endorsements or representations whatsoever by us regarding third-party Web sites. We are not responsible for the content, availability or privacy policies of these sites, and shall not be responsible or liable for any information, opinions, advice, products or services available on or through them.

    The opinions expressed by featured authors are their own and may not accurately reflect those of the BAM ALLIANCE. This article is for general information only and is not intended to serve as specific financial, accounting or tax advice.

    © 2016, The BAM ALLIANCE


    NB Distressed Debt Investment Fund Limited: Private Company Information #nb #distressed #debt #investment #fund #limited

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    Company Overview of NB Distressed Debt Investment Fund Limited

    Company Overview

    NB Distressed Debt Investment Fund Limited is a closed-ended fixed income mutual fund launched and managed by Neuberger Berman Europe Limited. The fund is co-managed by Neuberger Berman Investment Advisers, LLC. It invests in fixed income markets across the globe. The fund seeks to invest in securities of companies operating across diversified sectors. It primarily invests in distressed and special situation credit-related investments, including senior and senior secured debt with both collateral and structural protection. The fund focuses on companies with stressed balance sheets, low implied enterprise value, liquidity crisis, proposed mergers, divestiture, or other such corporate events t.

    NB Distressed Debt Investment Fund Limited is a closed-ended fixed income mutual fund launched and managed by Neuberger Berman Europe Limited. The fund is co-managed by Neuberger Berman Investment Advisers, LLC. It invests in fixed income markets across the globe. The fund seeks to invest in securities of companies operating across diversified sectors. It primarily invests in distressed and special situation credit-related investments, including senior and senior secured debt with both collateral and structural protection. The fund focuses on companies with stressed balance sheets, low implied enterprise value, liquidity crisis, proposed mergers, divestiture, or other such corporate events to create its portfolio. It benchmarks the performance of its portfolio against the HFRI Distressed/Restructuring Index. NB Distressed Debt Investment Fund Limited was formed on April 20, 2010 and is domiciled in Guernsey.

    57 Berkeley Square

    44 20 3214 9000

    Key Executives for NB Distressed Debt Investment Fund Limited

    Portfolio Manager and Non-Executive Director

    Compensation as of Fiscal Year 2017.

    NB Distressed Debt Investment Fund Limited Key Developments

    NB Distressed Debt Investment Fund Limited, Annual General Meeting, Jun 06, 2017

    NB Distressed Debt Investment Fund Limited, Annual General Meeting, Jun 06, 2017, at 11:30 Coordinated Universal Time. Location: Registered office, 1st Floor, Elizabeth House Les Ruettes Brayes, St Peter Port Guernsey GY1 1EW Guernsey Channel Islands

    NB Distressed Debt Investment Fund Limited Reports Audited Consolidated Earnings Results for the Year Ended December 31, 2016

    NB Distressed Debt Investment Fund Limited reported audited consolidated earnings results for the year ended December 31, 2016. For the year, the company reported interest income of $13,114,532 against $15,137,050 a year ago. Net investment income was $7,528,639 against $10,792,585 a year ago. Realized and unrealized gain from investments and foreign exchange were $7,638,567 against realized and unrealized loss from investments and foreign exchange of $107,220,535 a year ago. Net increase in net assets resulting from operations was $15,167,206 against net decrease in net assets resulting from operations of $96,427,950 a year ago. Net cash used in operating activities was $106,724,420 against $61,697,204 a year ago.

    NB Distressed Debt Investment Fund Limited Announces Dividend, Payable on December 20, 2016

    The Board of the NB Distressed Debt Investment Fund Limited announced an income distribution by way of a dividend of $0.0793 per Ordinary Share, $0.0332 per Extended Life Share and £0.0102 per New Global Share (collectively the Share Classes) to be payable on 20 December 2016 to shareholders on the register of the Share Classes as at the close of business on 11 November 2016. Ex-dividend date is 10 November 2016.

    Similar Private Companies By Industry


    Getting a Small Business Loan – Advice for Entrepreneurs – Entrepreneurial Resources – Gaebler Ventures

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    Getting a Small Business Loan

    Thinking Like a Banker

    How do lenders make decisions about small business loans? If you want to get a business loan, it helps if you think like a banker. Evaluate your business from the banker’s perspective and see if you believe your business is worthy of getting a bank business loan.

    Do you know how to “think like a banker”?
    (article continues below)

    In order to negotiate a small business loan, successfully, entrepreneurs must be able to think like the banker. The small business owner must provide information in a coherent, logical manner that answers questions, even before they are asked.

    If you are interested in getting a small business loan, it’s useful to have a good understanding of the four distinct phases of analysis in the Loan Request process:

    One of the first questions the banker has when you approach with a loan request is: “What is the specific request? Is it legal, reasonable and consistent with bank policies and guidelines?” Once the specific request is determined, the banker looks closely at what really caused the need to borrow. For example, the entrepreneur’s need to meet payroll or to pay accounts payable. are not underlying problems. What events led to the situation? Was this cash shortage a surprise or was it predicted with careful cash flow analysis? Was it poor cash management that created the shortfall? Often, the entrepreneur does not have a clear understanding of what has caused the need to borrow and the ambiguity this creates does not give the banker the necessary confidence that the entrepreneur will know how to avoid the situation in the future.

    The banker analyzes many factors when considering the repayment sources available. Typically this phase of the loan request process requires the most documentation and includes a:

    • Business Review
    • Management Review
    • Analysis of Financial Statements
    • Cash Flow Analysis
    • Summary of strengths and weaknesses of the request

    The banker will perform a thorough business review, primarily by reading the business plan- which intends to answer the question – “Does the business have a well conceived strategy?” The management review determines whether or not management has the skills, information and experience to implement the strategy.

    To answer the question “Does the company have a balanced financial position?” the banker will analyze the financial information of the company, including:

    • Personal financial statements
    • Personal Tax returns
    • Annual company financial statement
    • Interim company financial statements
    • Cash Flow and assumptions
    • Certain support documentation such as accounts receivable or payable aging reports

    The banker not only considers the ability to repay the loan using ratios and trend analysis, but also takes a careful look a the cash flow within the company, to begin to match the repayment source(s) with the need to borrow and the loan structure. With all of this in mind, the banker drafts a summary of the strengths and weaknesses of the credit request.

    Only after the business and management review phases of the process are complete does the banker begin to consider loan structure. Ironically, this is the part most entrepreneurs want to know first: “How long do I get the money for?” “What is the interest rate?”. It is important to understand the logic behind the bankers’ rationale, only after he or she has determined the request is justified and can be repaid, can they comment on what the terms and conditions will be!

    Entrepreneurs should be cautioned not to focus only on the interest rate as the cost of the loan. Banks can include fees, deposit requirements and other elements in the pricing scenario. Furthermore, banks can require certain performance conditions tied to financial covenants, which may be included in the loan agreement. These terms and conditions, which may include guarantees or subordination agreements, are often much more binding on company growth than the interest rate and should be negotiated carefully. Finally, the bank will typically require the borrower to provide financial information on a regular basis as a condition of the loan. A knowledgeable entrepreneur can negotiate certain elements of the loan structure

    Once the loan has been funded, the banker relies on three sources of information to track the loan performance. Information internal to the bank systems is the most obvious, i.e. your deposit relationship and other accounts you have at that bank, and of course their records of your payments on the loan. Another source of information is the data the bank requires from the small business, such as the quarterly financial statements or any other insight provided to the banker during visits. Lastly, the bank will utilize other “outside” information such as reports from vendors, suppliers or your key customers. A savvy entrepreneur also manages these sources of information and uses them to initiate communication with the banker, thus creating a positive banking relationship.

    Want to learn more about this topic? If so, you will enjoy these articles:


    Tax Attorneys Bethesda #investment #fraud #attorneys

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    JDKatz: Attorneys at Law

    JDKatz: Attorneys At Law

    JDKatz Areas of Expertise

    Why do clients choose us?

    At JDKatz, P.C. we believe that listening to your legal needs are what drives your solutions and experience.

    Because we’re driven by your needs, not ours, our staff works harder to understand your requirements. Our attorneys, in-house CPA’s, and staff are flexible, proactive problem solvers. We use law and accounting as tools to provide innovative and tailored solutions that deliver a better outcome for you, or for your business.

    You don t need a lawyer—you need a solution Our people are our greatest asset, and we’ve assembled a team of innovative thinkers who are problem solvers first and lawyers second. We apply “game theory” where appropriate to devise solutions which are specifically designed to keep our clients out of court, when appropriate.

    We don t want “clients” We believe that the individuals, businesses and groups that we work with come as our partners, and leave as our friends. We aim to become an extension of your team, and ultimately be thought as part of your extended family.

    There s no i in JDKatz We believe that to put your needs at the heart of everything we do, translates into your success, and we believe that your success determines ours. We do our best to be easy to contact, using state-of-the-art technology so our clients can access us whenever they need us.

    Award winning – We are a top-rated firm, with award winning recognition from our clients and our peers, as determined by SuperLawyers. Avvo, and The Daily Record, But we don’t measure our success in trophies or accolades but the accomplishments of our clients The trophies themselves aren t important, but the dynamism and work ethic that won them is.

    Don t just take our word for it – We believe that the best recognition we receive are referrals from our satisfied clients. Our current clients travel in good company knowing that the vast majority of our referrals are from other attorneys, accountants and financial advisors, as well as former clients, many of whom have read our articles and publications from Dow Jones, BloombergBNA, WJLA-TV (ABC-7,) International Business Times, Thomson-West, Lexis-Nexis, and the Washington Business Journal

    We have local law offices in both Bethesda and Washington, D.C. and from there we are able to serve the mid-Atlantic region with personalized, straightforward law services. Contact us now, our team is available 24/7 and ready to help.

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    Journal of Real Estate Research #real #estate #investment #research

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    The Journal of Real Estate Research (JRER ) is the official publication of the American Real Estate Society (ARES ).

    Our Journal’s focus is to investigate and expand the frontiers of knowledge that cover business decision-making applications through scholarly real estate research. ARES has a special interest in research that can be useful to the business decision maker in areas such as development, finance, management, market analysis, marketing, and valuation. To promote research in real estate and to show appreciation to authors who submit articles to the Journal, ARES established three best paper-awards (US$25,000, US $10,000 and $5,000) for papers published in JRER. The last awards were given on April 21, 2012. The date and amounts of the next round of awards will be decided at a later date.

    The Journal is indexed in ABI/Inform Database,Business Source Complete, Current Contents/Social Behavioral Sciences, Dow Jones Web Center, Emerald Management Reviews, Finance Literature Index, International Current Awareness Services, International Bibliography of the Social Sciences, Internet Documents in Economics Access Service, Journal of Economic Literature Electronic Online and CE-Rom Indexing and Abstracting Service, Journal of Planning Literature, Journal of Real Estate Literature, RePEc Database, Sage Urban Studies Abstracts, Scholar.google.com, Social Science Citation Index, Social Science Research Network, and Urban Affairs Abstracts.

    The Editor reads each submitted manuscript to decide if the topic and content of the paper fit the objectives of JRER. Appropriate manuscripts are then assigned anonymously by the Editor to members of the Editorial Board and/or outside reviewers. The ARES has instituted a policy of offering a $50 honorarium for each referee report received within six weeks.

    Full Text of Journal Articles
    This website offers the full text of all recent and past Journal articles published. Files are in Adobe PDF (portable document format). You will need to read the Copyright Notice for more information. The page also contains a link to Adobe Systems, Inc.’s website so that you may get the browser plug-in necessary for downloading, viewing, and printing the articles.

    If you see the above logo after an article abstract, it signifies that the full text of a particular Journal article is available for download.

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    5 High Yield Bond Mutual Funds for 2015 – January 8, 2015 #stock, #stocks, #investment,

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    You are being directed to ZacksTrade, a division of LBMZ Securities and licensed broker-dealer. ZacksTrade and Zacks.com are separate companies. The web link between the two companies is not a solicitation or offer to invest in a particular security or type of security. ZacksTrade does not endorse or adopt any particular investment strategy, any analyst opinion/rating/report or any approach to evaluating indiv idual securities.

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    5 High Yield Bond Mutual Funds for 2015

    January 08, 2015

    Read More Hide Full Article

    For the average investor, high yield bond mutual funds are the best method to invest in bonds rated below investment grade, popularly known as junk bonds. This is because these funds hold a wide range of such securities, significantly reducing portfolio risk. In addition, these funds provide better returns than investments with higher ratings, including government and corporate bonds. Further, because the yield from such bonds is higher than investment grade securities, these investments are less susceptible to interest rate fluctuations.

    Below we will share with you 5 top rated high yield bond mutual funds. Each has earned a Zacks #1 Rank (Strong Buy) as we expect these mutual funds to outperform their peers in the future. To view the Zacks Rank and past performance of all high yield bond funds, investors can click here to see the complete list of funds .

    Loomis Sayles High Income A ( NEFHX – Free Report ) seeks high total return with a combination of high current income and capital growth. The fund invests a minimum of 65% of its assets in fixed income derivatives that are rated below investment grade. A major portion of its assets get invested in fixed income instruments issued by domestic corporate bodies or in US dollar denominated securities approved by foreign corporate organizations. It may also invest a maximum of 20% of its assets in fixed income securities that are denominated in foreign currency, including that from emerging economies. It may also invest in other derivatives such as zero-coupon securities, futures and swaps. This high yield mutual fund has a three-year annualized return of 9.5%.

    As of October 2014, this high yield mutual fund held 332 issues, with 3.67% of its total assets invested in US Treasury Note 0.625%.

    Lord Abbett High Yield A ( LHYAX – Free Report ) invests a lion s share of its assets in junk bonds or high-yield bonds including corporate debt and convertible instruments. The fund may invest a maximum of 20% of its assets in non-US securities and may invest not more than 20% of its assets in municipal securities. It may also consider senior loans for investment. The fund seeks high total return. This high yield mutual fund has a three-year annualized return of 9.4%.

    The high yield mutual fund has an expense ratio of 0.95% compared to a category average of 1.08%.

    MassMutual Premier High Yield A ( MPHAX – Free Report ) seeks high total return by investing in high yielding securities. The fund invests major portion of its assets in below grade domestic debt instruments which also include default securities. These debt instruments include corporate bonds, mortgage-backed securities and obligations that are approved by the US government or by its affiliates. The fund is expected to maintain a dollar-weighted maturity that may vary from 4 to 10 years. This high yield mutual fund has a three-year annualized return of 9%.

    Scott D. Roth is the fund manager and he has managed this high yield mutual fund since 2010.

    RidgeWorth Seix High Yield A ( HYPSX – Free Report ) invests heavily in lower rated debt securities that are expected to provide high yield. These securities include corporate obligations, floating rate loans and other debt obligations. The fund invests in debt securities throughout the globe. It may also invest a maximum of 20% of its assets in investment grade instruments. This high yield mutual fund has a three-year annualized return of 7.1%.

    The high yield mutual fund has an expense ratio of 0.81% compared to a category average of 1.08%.

    Northern High Yield Fixed Income ( NHFIX – Free Report ) seeks high current income. It invests the majority of its assets in lower rated bonds, commonly known as “junk bonds”. The fund may also invest a share of its assets in high quality securities. For a temporary time being, the fund may also invest 100% of its assets in high quality securities in order to take a defensive stance. Although it focuses on acquiring domestic securities, the fund may also invest in foreign securities to a lesser extent. This high yield mutual fund has a three-year annualized return of 7.8%.

    As of September 2014, this high yield mutual fund held 208 issues, with 0.75% of its total assets invested in Meritage Homes 7.15%.

    To view the Zacks Rank and past performance of all high yield bond mutual funds, investors can click here to see the complete list of funds .

    About Zacks Mutual Fund Rank

    By applying the Zacks Rank to mutual funds, investors can find funds that not only outpaced the market in the past but are also expected to outperform going forward. Learn more about the Zacks Mutual Fund Rank in our Mutual Fund Center .

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