Monthly Archives: March 2015

Investment exercise: planning for a car or for holidays

We usually think that investments should have a purpose for big matters, as retirement or housing, but we can also organize them to other goals: a new car, because you need it to go to work, or dream holidays with your family for a special event. Why not? It is your money and you decide how to spend it. But before you must plan how to save and where to allocate your investment.

T-Advisor investment planner will help you do it. First of all, you have to answer some questions, mainly:

  • How much money you need to save
  • The timeframe you plan to save that money
  • How much you already have and the monthly amount for the plan

Planning for a car in T-Advisor investment planner

Be realistic about you ability to save depending your incomes and taking into account possible unforeseen events. You should always have some funds for these circumstances. As you have answered these questions, our planner will ask you for your risk profile. Are you risk lover or risk averse? The more risk, usually the more chances to obtain higher performance, but also to suffer dramatic drops. When you think about it, be aware of the proportion invested in equities, as it is the compass to evaluate the risk. For instance, we will select the moderate profile:

Planning for a car in T-Advisor investment planner: risk profile

We finally obtain the result. It is an expected projection. In this case, the result reports that the chances to achieve the goals are between 50% and 75%. The projection reports not only about the expected evolution (that takes into account historical behaviours), but also the best and worst scenarios.

Planning for a car in T-Advisor investment planner: projection

You can always change the parameters to obtain a new answer. This flexibility helps you learn about your real chances. Be honest yourself and then you can get the plan that suits your situation. In the advanced settings you can also implement the inflation and taxes effects.

Last step proposes you a possible portfolio with a proposed allocation in different sectors. No specific product is recommended.

Planning a car in T-Advisor investment planner: proposal

Similarly, you can do the same exercise for dream holidays, for you children studies or for health needs. Our investment planner helps you organize your financial goals easily and with flexible tools, so that financial planning will be in everybody’s hands.

Market opportunities by T-Advisor: Onex Corp

T-Advisor, through its tool Market Opportunities, has detected the company Onex Corp, listed in Toronto, as an opportunity for investment.

These are the main figures about performances and volatility in the last years:

Onex Corp main data in T-Advisor

The chart shows the evolution in the last year:

Onex Corp chart in T-Advisor

The technical analysis reveals also more data:

Onex Corp technical analysis in T-Advisor

Finally, the risk analysis is as follows:

Onex Corp risk analysis in T-Advisor

Onex is a private equity firm. Through its Onex Partners and ONCAP private equity funds, Onex acquires and builds high-quality businesses in partnership with talented management teams.  At Onex Credit, Onex manages and invests in leveraged loans, collateralized loan obligations and other credit securities. The company has approximately $20.7 billion of assets under management, including $6.0 billion of Onex Capital.

The company obtained in 2014 revenues up to $19,793 million, almost the same as the year before. Net earning in 2014 was $159 million, compared with the losses in 2013. The share price double since January 2012 with a very continuous upward trend.

Ranking T-Advisor: Our best stocks and funds in March

What stocks and funds were the best in March? T-Advisor publishes its ranking taking into account the score. T-Advisor patented score provides an asset rating (bullish, neutral or bearish) based on key performance indicators and technical analysis.

The best shares in March were as follows:

Company Score Perf. YTD Volatility Weekly VaR Market

USA

CGI Group

10

20.79%

17.21%

-3.85%

Toronto
Int. Flavours & Fragrances

10

15.60%

16.22%

-3.39%

NYSE
AmerisourceBergen

10

15.17%

15.24%

-2.63%

NYSE
Equifax

10

13.16%

15.63%

-3.56%

NYSE
Wellpoint Inc

10

12.17%

17.52%

-2.88%

NYSE

EUROPE

Okmetic

10

38.30%

19.14%

-3.15%

Helsinki
Van de Velde NV

10

36.72%

18.55%

-1.66%

Brussels
Huhtamaki Oyj

10

31.18%

18.56%

-4.51%

Helsinki
Jensen-Group NV

10

30.40%

15.97%

-2.28%

Brussels
Merck Kgaa

10

29.43%

18.08%

-3.13%

Xetra

ASIA

Fosun International

10

24.01%

24.89%

-5.70%

Hong Kong
Q.P.Corp

10

23.32%

25.34%

-3.57%

Tokyo
Morinaga & Co

10

20.88%

23.58%

-3.66%

Tokyo
APA Group

10

20.67%

15.64%

-4.43%

Australia
Hutchison Whampoa

10

20.44%

21.18%

-4.22%

Hong Kong

LATAM

Banmedica

10

16.66%

31.36%

-4.29%

Santiago de Chile
Fomento Economico

9.84

4.20%

19.49%

-3.49%

Mexico
Empresas CMPC

9.72

4.02%

20.66%

-4.63%

Santiago de Chile
Grupo Aeroportuario Pacifico

9.67

3.92%

21.18%

-4.00%

Mexico
Luz del Sur

9.62

1.56%

14.36%

-2.70%

Lima

The best funds in March were as follows:

Fund Score Perf. YTD Volatility Weekly VaR Managing company

EQUITY FUNDS

Axa World Fund Aedificandi A Dist EUR

10

16.24%

13.07%

-2.15%

AXA
AWF F Eu RES — Shs -I- — Capitalisation

10

16.46%

13.07%

-2.14%

AXA
Allianz Europe Equity Growth AT (H2-HUF)

10

17.86%

13.45%

-3.35%

Allianz
Hend Hor Japan Smal — Shs -X2- — Capitalisation

10

5.77%

13.66%

-3.32%

Henderson
EV RV EMERGENTES GLOBAL FI

10

13.32%

14.20%

-2.98%

Popular Gestion
Franklin U.S. Opportunities Fund C

10

4.60%

15.02%

-3.53%

Franklin Templeton
M&G Inv 1 Jpn Smllr — Accum.Shs — Class -C- EUR

10

24.60%

15.12%

-3.29%

M&G Securities
CA Funds India-DC

10

8.57%

15.74%

-3.86%

Groupama
FF-INDIA FOCUS Y

10

8.08%

16.39%

-3.59%

Fidelity
DWS Deutschland

10

17.81%

19.14%

-5.07%

DWS Investment

FIXED-INCOME

Flaherty&Crumrine

9.91

7.05%

13.11%

-3.47%

BlackRock
Fidelity Funds – United Kingdom Fund A

9.90

5.64%

13.42%

-3.56%

Fidelity
Flaherty&Cr Pfd Opp

9.82

5.45%

11.01%

-3.02%

BlackRock
BlkRk MuniVest II

9.81

2.88%

8.31%

-1.62%

BlackRock
SISF Global Convertible Bond I Acc

9.80

2.97%

6.85%

-1.55%

Schroder
Nuv CreditSt-SBI

9.79

2.50%

7.20%

-1.97%

BlackRock
Pioneer Funds – US High Yield Corporate Bond I

9.79

17.37%

8.41%

-1.78%

Pioneer
SISF Glbl High Yld I Acc

9.77

2.52%

4.04%

-0.93%

Schroder
SISF Asian Convertible Bond I Acc

9.77

2.44%

4.65%

-0.93%

Schroder
CS Bond Fund Lux High Yield USD I Cap

9.76

2.69%

3.98%

-1.19%

Credit Suisse

 

Market opportunities by T-Advisor: TGS Nopec

T-Advisor, through its tool Market Opportunities, has detected the company TGS Nopec, listed in Oslo Stock Exchange as an opportunity for investment.

These are the main figures about performances and volatility in the last years:

TGS Nopec main figures in T-Advisor

The chart shows the evolution in the last year:

TGS Nopec chart in T-Advisor

The technical analysis reveals also more data:

TGS Nope technical analysis in T-Advisor

Finally, the risk analysis is as follows:

TGS Nopec risk analysis in T-Advisor

TGS provides global geoscientific data products and services to the oil and gas industry to assist with licensing rounds and the preparation of regional data programs. TGS invests in multi-client data projects in frontier, emerging and mature markets worldwide that make up a data library of seismic imaging, well data and interpretive products and services.

Net operating revenues in 2013 fall 5.2%, till $883 million, but this figure increased 53.1% in 2012. Net income also fall 5.4%, till $269 million, after the growth of 66.7% in 2012. Share price has doubled since September 2010.

Profiling investors: findings from BlackRock surveys

Picture from Investor Pulse in US by Blackrock

BlackRock is the biggest fund manager in the world. In the last years, it has conducted surveys in different countries around the world to obtain the main features from investors. If we take some of the insights, we may find several interesting figures:

  1. Cash is king. It is surprising that cash is the main asset in such proportion. For instance, 59% in LatAm, 63% in US, 51% in Asia, 58% in Spain… and 76% in Germany. In LatAm, 70% plan to add more cash in the next year. That’s quite a lot everywhere. Why investors are still reluctant to invest in other assets? This is a question that the financial and advisory branch has to discuss.
  2. Generally speaking, all are more optimistic than pessimistic about their financial future. Let’s see: 52% in US, 74% in LatAm, 64% in Asia, 54% in Germany. But it is interesting to mention that the rate is only 23% in Japan and 47% in Europe (38% in Spain). In contrast, Indians are optimistic in 81%. These figures show also opportunities. The branch has to bet for more optimistic countries to sell their products and solutions and have to work harder in more pessimistic countries trying to remove former ideas.
  3. What about retirement? Only 59% Americans are saving for it. It is to underline that the proportion is 57% of Gen X (between 37 and 49 years old) and… 60% of millennials (between 25 and 36). Surprisingly, young Americans are saving. That means that they already are target for the branch. The proportion of savers is higher in Asia: 69% average, with peaks in China (74%) and lows in Japan (42%). In LatAm, the percentage is 67%, in Germany, 65%, in Spain, 47%. There is also here a chance for advisory in these countries.
  4. And finally, what is the perception about advisers? 35% of Asians are advised in their finances with a high satisfaction. The proportion falls till 17% in LatAm (likewise very satisfied), 25% in Spain, it is also low in Germany. There is no figure for US, although it is supposed to be higher than in other countries. The chances to grow are also very relevant.

This kind of surveys is interesting to detect the general investor sentiment and find business opportunities for the advisory branch. It is also useful to open a debate about how to reach the customers and discover them the advantages of investing and planning their finances.

Note: Picture from BlackRock Investor Pulse Survey 2014. Page 12.

Market opportunities by T-Advisor: Corporación Financiera Alba

T-Advisor, through its tool Market Opportunities, has detected the company Corporación Financiera Alba, listed in Madrid Stock Exchange as an opportunity for investment.

These are the main figures about performances and volatility in the last years:

Corporación Financiera Alba main figures in T-Advisor

The chart shows the evolution in the last year:

Corporación Financiera Alba chart in T-Advisor

The technical analysis reveals also more data:

Corporación Financiera Alba technical analysis in T-Advisor

Finally, the risk analysis is as follows:

Corporación Financiera Alba risk analysis in T-Advisor

Alba Financial Corporation is an investment holding company established in 1986 and listed in Spain. The company is part of the March Group, a leading business and financial Spanish family-owned group in which Banca March and the Fundación Juan March are also integrated. The Group’s strategic investments, excluding those within the financial and insurance sectors, are made via Alba. 83% of invested capital is in listed companies, as Acerinox, ACS, Clínica Baviera, Ebro Foods, Indra, Antevenio, BME y Viscofán.

The sum of the revenues from shares and another incomes in 2013 was €300 million, against € -261 million from last year. Net profit was €226.9 million, against €299.4 million losses in 2012.

T-Report, a high quality asset report as an investment tool

Figures and data are the main tool for investors to obtain good performances, but people don’t need only a collection of numbers, but an interpretation of them. Figures are useful when they are understood and let investors take decisions. In T-Advisor, we care about it with our T-Report, a full and detailed sheet with accurate and relevant data about thousands of assets. Let’s see what an investor may find there with an example: Apple.

First of all, you find the immediate figures about the stock: price, price change, volume, an assessment of the risk taking into account the volatility, the liquidity and our score. T-Advisor has developed its own scoring for all assets to provide investors an understandable way about the quality of them.

After that, you find the historical performance analysis. It is true that past performances do not guarantee future ones, but they show a relevant evolution to assess the interest for your strategy.

T-Report main figures

The following data are related to short-term trend. The system calculates the trend and the cycle phase to perceive if it is the right moment to enter (stay long) or wait, as the position says.

T-Report trend analysis in T-Advisor

Charts are also very relevant to perceive an asset trend. We provide in our T-Report several options to watch the chart and the evolution in the last five years. Anyone who wants to obtain deeper information may click on “View charts in charting area”.

T-Report charts in T-Advisor

Comparative tables are also useful to evaluate data. That is why we show the cumulative performance and different views from different technical models.

T-Report technical analysis in T-Advisor

Similarly, every T-Report compares the asset with the index reference to check if it performs better or worse. It also shows relevant figures as alpha and beta. It is to underline that the T-Report is full of hints that explain the meaning of all the data just locating the cursor on them.

T-Report risk and index comparison

In T-Advisor we consider that capital preservation is the main goal for an investor. The chapter devoted to risks analysis is wide, because we want to report properly about them to help investors preserve their capital. Volatility, VaR and retracement are the main figures. We also include a comparative chart that links performances and volatility from the assets and several indexes.

T-Report risk analysis in T-Advisor

Finally, if you are not satisfied, T-Report shows investment alternatives ranked by exchange and sector, so that you can find the one that fits your interests.

T-Report investment alternatives in T-Advisor

To sum up, investing is not a game. It requires time to analyze where we are going to allocate our money. Information is a main stuff to assess options and take decisions, but this information has to be properly and systematically organized. Our T-Report is the answer for these needs.

 

Market opportunities by T-Advisor: Adani Ports

T-Advisor, through its tool Market Opportunities, has detected the company Adani Ports, listed in Bombay Stock Exchange, as an opportunity for investment.

These are the main figures about performances and volatility in the last years:

Adani Ports main data in T-Advisor

The chart shows the evolution in the last year:

Adani Ports chart in T-Advisor

The technical analysis reveals also more data:

Adani Ports technical analysis in T-Advisor

Finally, the risk analysis is as follows:

Adani Ports risk analysis in T-Advisor

Adani Ports is part of India’s leading infrastructure conglomerate Adani Group. Adani Ports is the only private sector port operator with presence across six ports in India. The company’s aim is to increase annual cargo handling capacity from 112.8 million MT in 2014 to 200 million MT by 2020.

Total income in FY2014 (ended 31th March 2014) increased 41%, till 50.2 billion rupees ($728.3 million). Net profil also grew 15%, till 20.1 billion rupees ($292.1 million). Share price has jumped 135.9% since January 2014.