Tag Archives: healthcare

The Finance & Tech Week In Review – 5/6/17


Every Saturday the HBCU Money staff picks ten articles they were intrigued by and think you will enjoy for some weekend reading impacting finance and tech.

A low risk, high reward approach to innovation l HBR s.hbr.org/2q84SZi

How far is too far? New evidence on abortion clinic closures, access, and abortions l NBER bit.ly/2ph9mZC

What are 3 unique strategies for unplugging from #work? l Inc. on.inc.com/2qGMfZy

How to Launch a Successful Portfolio Career l HBR ow.ly/ZCgg30btTB9

What will healthcare look like in 2030? l WEF wef.ch/2qDH3po

Ordinary pill bottle has a clever electronic cap l New Atlas newatl.as/2pOSOeE

Are you a #SmallBiz owner innovating green technology? Learn about our #EPAsbir program l EPA epa.gov/sbir

Dutch Transit Agency Hermes Achieves 1,000,000 All-Electric Kilometers l Clean Technica ow.ly/CBSD30btTiq

Mobileye: Mapping Tech To Be Profitable Long Before Self-Driving Vehicles Hit The Road l Clean Technica ow.ly/ASNy30btTfT

Invisibility cloaks, teleporters – impossible things the laws of physics may allow l New Scientist newscienti.st/2pICFHc

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The Highest Paying Dividend Index ETFs For Your 2017 Portfolio – Sector By Sector


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Investing can be a daunting affair for first timers or newbies and yes, even experts, but the rise of ETFs (exchange traded funds) have made the access to traditionally expensive mutual funds much easier to secure for those with smaller accounts or limited investment knowledge. How can I be invested while reducing my risk? This both a financial question and a knowledge one. We believe the answer is to own every sector through an index ETF. Indexes are passively managed, meaning they are set and left to the fundamentals of the markets and economies they serve. These index ETFs usually have much cheaper expense ratios because of their passive management making it easier for investors, beginners and experts alike, to not see their gains eaten away by inundated fees often tacked on by active managers. There is now enough research after decades of tracking to show by the likes of John Bogle, founder of Vanguard, and others in the passively managed space that index ETFs and mutual funds far outperform their actively managed counterparts.

On top of that, there is the consideration of dividend or investment income. Dividends are money paid out by companies usually on a quarterly basis from a company’s ongoing operating income. It should be noted that not all companies pay dividends. However, in ETFs because they hold a myriad of companies there is a higher probability that there will be dividends present. Dividends help households reduce the income risk of job loss. This is how many wealthy households even during recessions are able to maintain and how many pay far less in taxes. Of the three incomes (earned, passive, investment), it is earned income, or the income we get up and go to work for everyday that is taxed at the highest rate. No matter how much you earn, your dividend tax rate is never above 20 percent versus a high of almost 40 percent in earned income tax rate, so more income from dividends is always advantageous.

Our list was calculated by taking the three lowest expense ratios of ETFs by sector according to the website ETF Database’s screener. Once those were identified we looked at the dividend yield that each ETF was paying and subtracted the expense ratio. This would appear in a calculation as nominal dividend yield minus expense ratio equals real dividend yield and there would be our winner for 2017. It should be noted that dividends are not fixed and companies can reduce or increase them as they sit fit, usually based on a company’s financial health.

You can buy this list and know that you are well diversified across every sector of the economy and will be receiving dividend payments along the way. If you really want to simply things, just head over to the Motif Investing platform and buy the All-Sector ETF of ETFs Motif, which is each of these ETFs below in one security and constructed by HBCU Money. Click here to find out more.

BASIC MATERIALS

Ticker Symbol: XLB

Issuer: State Street

Real Annual Dividend Yield: 1.80%

Annual Dividend: $0.97 / share

consumer goods

Ticker Symbol: FSTA

Issuer: Fidelity

Real Annual Dividend Yield: 2.45%

Annual Dividend: $0.79 / share

financial

Ticker Symbol: FNCL

Issuer: Fidelity

Real Annual Dividend Yield: 1.73%

Annual Dividend: $0.63 / share

healthcare

Ticker Symbol: XLV

Issuer: State Street

Real Annual Dividend Yield: 1.45%

Annual Dividend: $1.11 / share

industrial goods

Ticker Symbol: XLI

Issuer: State Street

Real Annual Dividend Yield: 1.92%

Annual Dividend: $1.29 / share

services

Ticker Symbol: XLY

Issuer: State Street

Real Annual Dividend Yield: 1.56%

Annual Dividend: $1.39 / share

technology

Ticker Symbol: XLK

Issuer: State Street

Real Annual Dividend Yield: 1.61%

Annual Dividend: $0.84 / share

utilities (tIE)

Ticker Symbol: XLU

Issuer: State Street

Real Annual Dividend Yield: 3.27%

Annual Dividend: $1.66 / share

Ticker Symbol: FUTY

Issuer: Fidelity

Real Annual Dividend Yield: 3.27%

Annual Dividend: $1.06 / share

real estate

Ticker Symbol: VNQ

Issuer: Vanguard

Real Annual Dividend Yield: 4.70%

Annual Dividend: $3.98 / share

Disclaimer: This article is in no way financial or investment advice. Each person’s investment and tax needs vary. Please consult your financial adviser or CPA before making any decisions. HBCU Money, its staff, or ownership has no holdings in any of the aforementioned investments. 

HBCU Money™ Dozen 11/30 – 12/4


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Did you miss HBCU Money™ Dozen via Twitter? No worry. We are now putting them on the site for you to visit at your leisure. We have made some changes here at HBCU Money™ Dozen. We are now solely focused on research and central bank articles from the previous week.

Research

Google announces massive clean energy purchase l Computerworld http://bit.ly/1lZZZvs

One in four #food-insecure households visited food pantries in 2014 l USDA http://go.usa.gov/c2X3x

Is quantum physics behind your brain’s ability to think? l New Scientist http://ow.ly/Vrf3e

Canada’s boreal region is home to >1 billion acres of pristine forests & wetlands l Pew Environment http://pew.org/1XciwFi

Big data and the future of healthcare l Computerworld http://bit.ly/1jBmd52

The first effort to edit genes inside the human body will be to treat haemophilia l New Scientist http://ow.ly/VrWZ1

Federal Reserve, Central Banks, & Financial Departments

Which are the world’s healthiest countries? l WEF http://wef.ch/1YxE1xK

Why The #Holidays Make Us Dumb About #Spending l FA Mag http://ow.ly/VrY3d

Small banks facing ‘regulatory overload,’ l American Banker bit.ly/1Nsjna9

Beige Book: Wage pressures were generally stable to increasing l St. Louis Fed http://bit.ly/1HGETw0

Are your financial records ready in case of an emergency? Disaster preparedness resources l KC Fed http://ow.ly/VkBmP

Is there an optimal workday? l WEF http://wef.ch/1HHZIXV

Thank you as always for joining us on Saturday for HBCU Money™ Dozen. The 12 most important research and finance articles of the week.

HBCU Money™ Dozen 10/27 – 10/31


12

Did you miss HBCU Money™ Dozen via Twitter? No worry. We are now putting them on the site for you to visit at your leisure. We have made some changes here at HBCU Money™ Dozen. We are now solely focused on research and central bank articles from the previous week.

Research

Cleveland Clinic uses IBM’s Watson in the cloud to fight cancer l Network World http://ow.ly/DA5nK

How to figure out if a data breach is a hoax l Network World http://ow.ly/DA5QJ

Prescriptions for Cleaner Waterways l US EPA Research http://go.usa.gov/7TdF

Sorry boys. Bird divorces are good news for the females l New Scientist http://ow.ly/DA6pz

Healthcare CIOs Can’t Be Afraid to Innovate l CIOonline http://ow.ly/DA6zv

Writing letters by hand produces measurable changes in brain activity compared with typing l New Scientist http://ow.ly/DA6I5

Federal Reserve, Central Banks, & Financial Departments

Are record-low interest rates masking high-cost mortgage lending? l Housing Wire http://hwi.re/7MqG7v

How empowering women can tackle malnutrition l World Economic Forum http://wef.ch/1zN9BP5

Africa’s urban population growth: what are some trends and projections? l World Bank http://wrld.bg/Dz1V8

Are men more emotional about money? l World Economic Forum http://wef.ch/1q30rEx

Dodd-Frank: Proposed records retention requirements for FDIC as receiver l St. Louis Fed http://bit.ly/1wE4Qne

On the Economy explores rising share of borrowers with more than $100,000 in student loan debt l St. Louis Fed http://bit.ly/1mm1KwI

Thank you as always for joining us on Saturday for HBCU Money™ Dozen. The 12 most important research and finance articles of the week.

HBCU Money™ Dozen Links 8/12 – 8/16


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Did you miss HBCU Money™ Dozen via Twitter? No worry. We are now putting them on the site for you to visit at your leisure. We have made some changes here at HBCU Money™ Dozen. We are now solely focused on research and central bank articles from the previous week.

Research

Want #climatechange research methods, models, tools, & databases? l EPA Research http://go.usa.gov/j6ZJ

Beyond Google Glass: The wearable tech that will revolutionize business l ComputerWorld http://ow.ly/nY3BT

Infinity’s end, a way to fix the emergency healthcare crisis l New Scientist http://ow.ly/nXXaa

Sensible solutions for outdoor water use l IL-IN Sea Grant http://fb.me/2qop246FH

Solar-Powered Unmanned Aircraft Flew 9 Consecutive Hours l Clean Technica http://dlvr.it/3pYb6X

Youth Engaged in the READY Program’s #GreenJobs l MD Sea Grant http://bit.ly/14NC20O

Federal Reserve, Central Banks, & Financial Departments

View the latest series of charts from our Economic & Financial Highlights page l Atlanta Fed http://goo.gl/9evgcc

Interest rate spikes causes stocks to plunge l Housing Wire http://hwi.re/3pZWlx

Richmond Fed Magazine Econ Focus Reports on the Debate Over Chinese Currency Policy l Richmond Fed http://bit.ly/1a95QG9

Stabilizing the economy: Evaluating the effects of industrial diversity l KC Fed http://ow.ly/nY7bw

Baltimore foreclosures escalate l Housing Wire http://hwi.re/3pYgks

Cleveland, TN, has the region’s strongest recent employment gains. #SouthPoint post looks at why l Atlanta Fed http://goo.gl/v5c38S

Thank you as always for joining us on Saturday for HBCU Money™ Dozen. The 12 most important research and finance articles of the week.