August 28, 2015

Top 8 Mutual Funds for 2016 & 2017

Find top 8 mutual funds for 2016 & 2017. The best mutual funds are DoubleLine Total Return Bond Fund, Vanguard Balanced Index fund, etc.

Best Mutual Funds

Not all mutual funds make good investments; you need to select the right funds. Based on my research and experience, I believe the following 8 mutual funds are good choice for your 2016 investment. Out of over 22,000 mutual funds that I have searched, I consider these 8 funds to be the best. You may wish to consider these mutual funds as part of a balanced investment portfolio.

You can find different categories of mutual funds such as bond, stock, and balanced fund. I also provide each fund review for your information. Other information such as expense ratio, yield, sector, category, fund performance, fund ranking, top holdings, and bond rating can be found below. All of these best mutual funds are no load mutual funds.

Top 8 Mutual Funds for 2016 & 2017The top 8 mutual funds for 2016 & 2017 are:
  1. DoubleLine Total Return Bond Fund (DLTNX)
  2. Vanguard Total Stock Market Index Fund (VTSMX) 
  3. USAA Tax Exempt Intermediate-Term (USATX)
  4. T. Rowe Price International Discovery Fund (PRIDX)
  5. DoubleLine Emerging Markets Fixed Income Fund (DLENX)
  6. Vanguard Emerging Markets Stock Index (VEIEX)

August 27, 2015

BlackRock Credit Allocation Income Fund (BTZ)

BlackRock Credit Allocation Income Fund (BTZ) is a popular bond closed end fund. This fund invests mainly in credit-related securities and securities with similar economic characteristics. The fund objective is to provide income with capital preservation.

This BlackRock fund is managed by Stephan Bassas, Jeffrey Cucunato, and Mitchel Garfin. It has a high yield of 7.83%. The fund sponsor is Blackrock Advisors. The current share price is $12.36. It has $2.37 billion of assets.

BTZ Fund Profile

    BlackRock Credit Allocation Income Fund (BTZ)
  • Fund Inception Date: 12/27/2006
  • Ticker Symbol: BTZ
  • CUSIP: 092508100
  • Rank in category (YTD): 12%
  • Category: Taxable Bond Fund
  • Distribution Rate: 7.83%
  • Effective Leverage: 32.45%
  • Capital Gains: -
  • Base Expense Ratio: 0.95%
  • Net Assets: $ 2.37 billion

August 26, 2015

DoubleLine Emerging Markets Fixed Income Fund (DLENX)

DoubleLine Emerging Markets Fixed Income Fund (DLENX) is a highly ranked bond mutual fund. It provide high yield for income.

DoubleLine Emerging Markets Fixed Income Fund utilizes its assets to purchase bonds of at least four emerging market countries. It may invest in defaulted corporate securities, and hybrid securities relating to emerging market countries. This fund is managed by Luz M. Padilla. The current dividend yield is 4.94%. Its expense fee is 1.15% per year.

DLENX Fund Profile

    DoubleLine Emerging Markets Fixed Income Fund (DLENX)
  • Fund Inception Date: 04/06/2010
  • Ticker Symbol: DLENX
  • CUSIP: 258620608
  • Beta (3yr): 0.72
  • Rank in category (YTD): 14%
  • Category: Emerging Markets Bond
  • Distribution Yield: 4.94%
  • Capital Gains: -
  • Expense Ratio: 1.15%
  • Net Assets: $ 963 million
  • Number of Years Up: 3 years
  • Number of Years Down: 1 year

August 24, 2015

12 Best Intermediate Term Bond ETFs in 2015

Intermediate term bond ETFs are popular among investors who seek higher income. These top exchange traded funds are iShares CMBS Fund, PIMCO Total Return Active ETF.

Top Bond Funds

Intermediate-Term Bond ETFs invest in fixed income securities with durations between five and ten years. These bond funds provide income for yield. The funds invest in government bonds (US Treasuries) and corporate bonds.

These top intermediate-term bond funds are selected based on its YTD performance in 2015 (up to July 26, 2015). Unlike mutual fund, these exchange traded funds don’t have a sales load or a transaction fee. You can find the fund review and other fund information below such as the yield, expense ratio, fund manager, top holdings, top sectors, etc.

The 12 best intermediate term bond ETFs in 2015 are:
    12 Best Intermediate Term Bond ETFs in 2015
  1. iShares CMBS ETF (CMBS)
  2. PIMCO Total Return Active ETF (BOND)
  3. iShares Core Total USD Bond Market ETF (IUSB)
  4. SPDR Barclays Mortgage Backed Bond ETF (MBG)
  5. iShares Intermediate Government/Credit Bond ETF (GVI)
  6. Vanguard Mortgage-Backed Securities ETF (VMBS)
  7. Vanguard Intermediate-Term Bond ETF (BIV)
  8. Fidelity Total Bond ETF (FBND)
  9. iShares MBS ETF (MBB)
  10. Columbia Core Bond ETF (GMTB)

August 23, 2015

Merrill Edge Online Brokerage

Merrill Edge is part of Bank of America since 2009. It provides online brokerage for investor. As part of Merrill Lynch service, Merrill Edge is a full service broker that offers stocks, ETFs, and option trading. Any investor and trader can open a Merrill Edge account.

If you are Bank of America customer, you may even qualify for free monthly trades. For current banking customers, you might want to consider Merrill Edge as your main broker.

Broker Profile

    Merrill Edge Stock Broker
  • Products: Stocks, ETFs, fixed income & bonds, mutual funds, CDs, IPOs, options, annuities
  • Stock Orders: $6.95 per trade
  • ETF Orders: $6.95 per trade
  • Broker Assisted: $29.95 per trade
  • Mutual Funds: $0.00 for NTF funds. Non-NTF: $19.95/trade or $29.95/trade
  • Options: $6.95/trade+$0.75/contract
  • Exercised:  $6.95 per trade
  • Minimum to Open: $0
  • Inactivity Fee: $0.00
  • Full Account Transfer Fee: $49.95
  • Some Other Fees: Wire Transfer Fee: 24.95
  • Maximum Margin Rate: Check current website for details.

Commissions & Fees

You can buy and sell stocks, ETFs, and options. Regular stock trades are a flat $6.95 per trade. There are no additional charges for stocks less than $1 per share.

August 22, 2015

Leader Stocks See Red in 2015

Leader stocks were going down during week 34, 2015. Is the bottom finally in? Will you see more pain in upcoming weeks? Top stock market industries are gold, residential construction, etc.

Top Stock Industries

This post will look into the top performing stocks, industry, and sector. The S&P 500 index has a weekly return of -5.71%. NASDAQ Composite has a weekly return of -6.78%. Dow Jones Industrials Average has a weekly return of -5.71%. The small cap (Russell 2000) has a return of -2.66%.

Stock market highlights for week 34 are:
    Leader Stocks See Reds in 2015
  • Major indices around the world tumble. 
  • Dow Jones industrial average tumbles 530 points last Friday.
  • Slowdown concerns in China shook markets.
  • Stock leaders such as Google (GOOGL) and Facebook (FB) tumble close to 5% in 1 day.
  • Gold stocks are outperforming other sectors.
  • Oil is still going down.
Top 25 stock industries in week 33, 2015 (August 10, 2015 to August 16, 2015) are:

No.NamePerf WeekPerf MonthPerf Quart
1Gold7.00%14.94%-22.17%
2Residential Construction0.42%3.52%7.49%
3Appliances-0.09%-1.27%-7.45%
4Silver-0.15%9.56%-27.47%
5Computers Wholesale-0.53%5.66%-2.50%
6Tobacco Products, Other-0.81%-12.14%1.66%
7Water Utilities-1.56%0.06%-4.52%
8Electric Utilities-1.60%4.23%-1.17%
9REIT - Industrial-1.72%3.26%4.33%
10Management Services-1.89%-1.75%-2.16%
11Jewelry Stores-1.92%-5.29%-4.80%
12REIT - Retail-2.08%2.33%-1.81%
13Department Stores-2.24%-4.35%-6.37%
14Dairy Products-2.25%-6.56%-10.36%
15Telecom Services - Domestic-2.28%-0.78%-5.18%
16REIT - Residential-2.40%0.12%0.40%
17Waste Management-2.47%4.23%0.66%
18REIT - Office-2.48%-2.21%-4.14%
19Meat Products-2.51%-1.39%-0.71%
20Home Improvement Stores-2.52%2.35%3.58%
21Wireless Communications-2.60%-2.79%-8.90%
22Paper & Paper Products-2.70%-2.81%-10.07%
23Diversified Utilities-2.79%1.50%-7.18%
24Metal Fabrication-2.93%6.70%-9.35%
25Gas Utilities-2.94%1.22%-5.84%

Best Stocks Return

Looking into best weekly stocks can provide an insight what stock market will bring for the next session. Retail or institutional investors may want to rotate to this sector to avoid bad returns. Can growth stocks finally make the comeback? Will value stocks continue to be the winner? Some great sectors in 2015 are drug, health care, grocery, consumer, etc.

Top 20 gold stocks in 2015 are:

No.CompanyTickerPerf WeekPerf Month
1Gold Fields Ltd.GFI33.96%26.33%
2AngloGold Ashanti Ltd.AU30.08%24.12%
3Alamos Gold, Inc.AGI20.72%41.88%
4Seabridge Gold, Inc.SA17.79%89.68%
5DRDGOLD Ltd.DRD17.70%3.10%
6Sibanye Gold LimitedSBGL15.19%-11.65%
7B2Gold Corp.BTG12.28%17.43%
8Primero Mining Corp.PPP11.66%22.96%
9Timmins Gold Corp.TGD11.44%0.82%
10Asanko Gold Inc.AKG10.90%19.31%
11Agnico Eagle Mines LimitedAEM10.46%17.02%
12Harmony Gold Mining Company LimitedHMY10.20%6.93%
13Gold Resource CorpGORO8.86%24.04%
14Goldcorp Inc.GG8.54%21.37%
15Randgold Resources LimitedGOLD6.01%12.76%
16Minco Gold CorporationMGH5.26%4.17%
17Gold Standard Ventures CorpGSV5.00%20.44%
18Franco-Nevada CorporationFNV4.97%17.55%
19Lake Shore Gold Corp.LSG4.76%3.51%
20Newmont Mining CorporationNEM4.55%3.07%
The 11 best residential construction stocks in 2015 are:

No.CompanyTickerPerf WeekPerf Month
1UCP, Inc.UCP8.07%17.71%
2Hovnanian Enterprises Inc.HOV5.73%-25.89%
3Taylor Morrison Home CorporationTMHC2.29%4.05%
4Comstock Holding Companies, Inc.CHCI1.87%15.51%
5Lennar CorporationLEN1.73%1.89%
6M/I Homes, Inc.MHO1.58%5.96%
7DR Horton Inc.DHI1.21%13.30%
8NVR, Inc.NVR1.05%6.35%
9WCI Communities Inc.WCIC0.97%11.04%
10TRI Pointe Group, Inc.TPH0.34%0.54%
11Toll Brothers Inc.TOL0.28%3.96%
Top stock issues are:
  • Indices are going down.
  • Oil is still down.
  • Is China in trouble?

August 21, 2015

Accident & Health Insurance Stocks

Accident & Health Insurance Stocks is part of financials stock sector. These companies provide supplemental insurance and reinsurance products & services to individuals and businesses.

These insurance products include worker compensation benefits, group benefits, and private health insurance. The companies are generally structured as large corporations. They offer below-average dividend yields than typical S&P 500 index.

Accident & Health Insurance Companies List

These industry stocks have several top companies. Top 3 accident & health insurance companies are AFLAC Inc, Unum Group, and Assurant Inc.

Accident & Health Insurance companies are:
    Accident & Health Insurance Stocks
  1. AFLAC Inc. (AFL)
  2. Unum Group (UNM)
  3. Assurant Inc. (AIZ)
  4. CNO Financial Group, Inc. (CNO)
  5. StanCorp Financial Group Inc. (SFG)
  6. ProAssurance Corporation (PRA)
  7. Greenlight Capital Re, Ltd. (GLRE)
  8. Employers Holdings, Inc. (EIG)
  9. Triple-S Management Corporation (GTS)
  10. Trupanion, Inc. (TRUP)

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