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WHEN the financial crisis was at its height in 2008, being a debtor was a dreadful experience. Banks and companies scrambled desperately to get the financing they needed.
But the balance of power in the financial markets can easily shift. In 2005 and 2006, credit had been easy to get on generous terms. Not only were loans cheap and plentiful; they also suffered from fewer restrictions. Until then, corporate loans had many covenants offering safeguards for lenders if the debtors financial position were to deteriorate. But 2005-06 saw the emergence of covenant-lite loans in which such restrictions were virtually non-existent.
The cycle has turned again. Analysis by Moodys, a ratings agency, shows that the proportion of the loan market that is covenant-lite has risen from 27% in 2015 to more than two-thirds in the first quarter of this year (see chart). Some loans even contain restrictions on the lender, not just the borrower. Private-equity firms demand a veto over secondary-market buyers of loans they owe; the idea is to avoid the debt being bought by activist investors who might make demands on a companys management.
Investors are willing to accept such terms because they are desperate to earn some kind of yield on their assets. In the past eight years, central banks in developed economies have pushed interest rates close to zero. Government-bond yields have also been at historic lows, and some have even been negative.
When low-risk assets offer a poor return, investors are willing to take more of a chance. At times like this, Wall Street always has a suitable set of initials to flog. This time, it is the collateralised loan obligation (CLO), which bundles loans together into a diversified portfolio. As with subprime mortgages a decade ago, these portfolios are then divided into different tranches, to offer higher returns (at higher risk). CLO issuance so far this year is double the amount raised in the same period of 2016, according to Wells Fargo, a bank.
Investors enthusiasm is not just confined to loans. Argentina recently issued a 100-year bond, despite its history of repeated defaults. With a 7.9% yield, investors clearly gambled they could get a decent return on the bond before Argentina hits economic trouble again.
Another reason why investors are more willing to take on risk is their belief that the global economy, and the health of the corporate sector, are both improving. The global default rate on speculative bonds is down to 3.3% over the past 12 months, according to S&P Global, another ratings agency; at the start of the year, the default rate was 4.2%. Many companies have taken advantage of a long period of low interest rates to refinance their debts.
But is the enthusiasm for CLOs and covenant-lite loans a sign of the same speculative excess that frothed in the middle of the previous decade? There are other straws in the wind. The Bank of England warned this week that consumers debt in Britain was rising faster than incomes and asked banks to put aside more capital to cover the risk of bad debts. On a scale of one to ten, one banker describes the current level of investor euphoria as about eight.
The good news is that any shake-out in the market should be more contained than it was in the days of Bear Stearns and Lehman Brothers, whose collapse precipitated the 2008 crisis. The financial system is not as fragile as it was a decade ago; banks have more capital and are probably carrying less of this speculative debt on their own balance-sheets.
Nevertheless, it is hard to escape the feeling that the market is being kept aloft by the actions of central banks. The European Central Bank (ECB) and Bank of Japan are still buying tens of billions of dollars worth of assets every month. That keeps yields down and prompts investors to seek alternatives. Matt King, a strategist at Citigroup, thinks that global central banks have to keep creating $1.2trn a year just to keep the markets from selling off.
That creates the https://lovequebec.tumblr.com/post/162404109908 potential for a game of chicken between central banks and the markets. The Federal Reserve is now pushing up interest rates and may reduce the size of its balance-sheet. China is also tightening policy; and Mario Draghi of the ECB said this week that deflationary forces have been replaced by reflationary ones. Central banks will move cautiously because they do not want to trigger a credit crunch. But investors are aware of this concern, and may reckon that policy will be eased again at the first sign of trouble; as a result, they may well keep lending. There is potential for serious miscalculation on both sides.
In this Thursday, April 20, 2017, photo, Jeff Bacon shows some of the medication he takes for chronic back pain, in Hampden, Maine. AP
WASHINGTON Less than six months ago, President Trump stood at a podium and roiled the pharmaceutical industry with an emphatic declaration that its executives are getting away with murder.
If Congress has its way, the same president will soon sign into law a massive package that is at the top of the industrys wish list: a reauthorization of drug makers funding agreements with the Food and Drug Administration.
At least so far, the powerful pharmaceutical industry has managed to keep the package that is speeding toward Trumps desk free of any controversial policy changes that could threaten the industrys business model as well as any partisan add-ons that could jeopardize its smooth, overwhelmingly bipartisan trip through the policymaking process.
That progress is a testament to an often-overlooked truth in Washington these days: Despite frustration over high drug pricesand partisan brawling over health care legislation, the pharmaceutical industry has been carrying on with business as usual, scoring some early legislative victories, and reminding lawmakers why it is one of the most influential groups on Capitol Hill.
At the same time, an executive order on drug prices being crafted by the White House may prove far more favorable to industry than Trumps campaign rhetoric would have suggested, according to documents obtained by Kaiser Health News.
The industrys recent successes are the result in no small part of its shrewd and penetrating advocacy strategy and, of course, the money it puts into that effort.
Druglobbyists are on the job every minute, every day, Rep. Peter Welch (D-Vt.), whos gone up against the industry more than once, told STAT. They fight hard, lobby hard. They know how to play the game, they play it aggressively, and they play it well.
The industrysmain trade group, the Pharmaceutical Research and Manufacturers of America, spent a staggering $7.9 million in just the first three months of this year the most it has spent in a single quarter since 2008. That bought drug makers an army of more than 85 lobbyists both internally and at nearly two dozen outside firms. Outside firms pay some of those PhRMA dues, but often spend more on their own efforts the 10 largest pharmaceutical companies that lobby in the U.S. together dropped more than $20 million in just the first three months of 2017.
That spending doesnt count campaign donations, either. The website OpenSecrets, maintained by the Center for Responsive Politics, estimates the industry gave about $27.9 million to candidates on both sides of the aisle during the 2016 cycle.
A spokeswoman for PhRMA declined tocomment on the industrys lobbying strategies or the user fees process.
The user fee reauthorization bill before Congress, which spells out how much branded and generic drug companies and medical device manufacturers pay to support their product reviews at the FDA, traditionally receives bipartisan backing. The overwhelming bulk of the package is hammered out between industry representatives, including generic and biosimilar companies, and the FDA itself, earning a blessing from both only after several years of work.
On top of that, theres a key deadline looming. Republican leaders atop both key committees are quick to say that the user fees get done so quickly because if they dont, the FDA must begin sending layoff notices to thousands of employees.
U.S. President Donald Trump meets with pharmaceutical industry representatives at the White House in Washington, U.S. on January 31, 2017. Reuters/Yuri Gripas
But this year in particular, there were ample opportunities for the process to get derailed. The Trump administration, for example, pushed for the industry to pay a far larger share of the FDAs budget through the user fee process. Congressional leaders declined to reopen the agreement.
Some lawmakers, too, looked at the process as an opportunity to attach policy changes that might otherwise be too controversial to make it into law. Again and again during the markups, however, proposals opposed by the industry were dropped.
Amendments allowing the importation of drugs from Canada a largely Democratic ask fell flat in both chambers thanks to objections from scores of each sponsors colleagues. Less political amendments failed, too, including one that would have kept branded manufacturers from using certain strategies to delay generic drug launches or another that would encourage pediatric studies in cancer drugs. PhRMA has raised concerns with both.
Not everyone sees the pharma-friendly outcome as a reflection of the industrys advocacy prowess.
The last thing I would want to do is credit pharmas brilliant lobbying with the fact that user fee bills are moving through Congress. For the most part, these issues have always been bipartisan, said Dean Rosen, a Mehlman Castagnetti lobbyist. They know theyve got to get them done. To me, the bigger issue is not how pharma played this. Its that those things have always been bipartisan, and they have a deadline.
The legislation must still pass both chambers of Congress before it heads to Trumps desk, and several congressional aides and lobbyists suggested those upcoming debates might prove more contentious.
Still, the comity stands in stark contrast to nearly every other congressional conversation on health care policy recently. A hearing about arcane but essential Medicare payments, which must also be addressed this year, devolved into a partisan fighting over the Republican effort to repeal and replace Obamacare. Leaders have only recently scheduled a hearing to discuss a reauthorization of the Childrens Health Insurance Program, a traditionally bipartisan effort for which a deadline also looms. Theres no committee vote on the issue in sight or even a draft of the legislation.
Theres been remarkable ability to walk and chew gum at the same time, and to do the [user fee agreements] in a bipartisan way, and to even dance around some of the more sensitive issues. Theyve managed to keep it pretty civil, said Billy Wynne, a longtime health care lobbyist for Thorn Run Partners.
The industry has seen its share of small victories, too, even amid the partisan whirlpool that has otherwise consumed Washington. Republicans on the House Energy and Commerce Committee, for example, used a recent oversight letter to echo the pharmaceutical industrys longtime concerns with a controversial drug discount program that largely benefits hospitals. That inquiry may lead to a congressional hearing one likely to be far better for pharmaceutical companies than hospitals, Republican committee leaders told STAT.
Earlier this year, during a relatively open amendment process on the Senate floor, lawmakers defeated another importation amendment. Democrats never even brought up an even riskier amendment that would have allowed Medicare to negotiate drug prices a proposal Trump has raised and the industry has long opposed.
FILE PHOTO - EpiPen auto-injection epinephrine pens manufactured by Mylan NV pharmaceutical company Thomson Reuters
Increasing scrutiny into rising prescription drug prices remains the industrys biggest vulnerability in Washington. PhRMA has launched an overhaul of its membership criteria to expel bad actors, a kind of self-policing it hopes will improve its image amid outcry over price hikes at companies like Marathon Pharmaceuticals or Mylan, the maker of EpiPen. The industry has also worked hard to focuspolicymakers on pricing issues with other parts of the supply chain, like pharmacy benefit managers or insurers newly focused on high-deductible plans.
For now, federal policymakers have yet to train their sights on the issue in a serious way. A looming executive order may turn out to be a more limited effort focused on industry-friendly policies like value-based contracting for drug purchases, according to sources and thereport from Kaiser Health News.
It took a full six months into Trumps tenure before any major congressional committee tackled the issue in a public hearing. Even that hearing, in the Senate health committee lastweek, focused just as much on the broader Obamacare reform debate as it did the issue at hand.
A White House spokesman didnt comment on the executive order, but emphasized that the president still plans to streamline the drug approval process, cut regulatory impediments to the industry, and lower drug prices.
There are small signs, however, that the industrys power is waning at least a little among usually chummy lawmakers. Though the Senate hearing was not a slugfest, Chairman Lamar Alexander of Tennessee has promised at least two more hearings highlighting drug pricing in the coming months. Republican leaders on the House Energy and Commerce Committee, too, pledged late last week to hold their own examination of the issue.
This is where Donald Trump calling out the pharmaceutical industry for overcharging, saying he would support price negotiation and importation, has changed it somewhat, Welch said. The question is, wheres the follow-through? Thats what we need. If President Trump put some real focus on this, that would change things. It would force members to deal directly with these issues.
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Investing can be tricky for beginners. To many, all the trading options look like an alphabet soup, from ETFs to IRAs, so it’s no wonder that most people are scared off from investing. These leaves them out of a key tool for financial help.
So what is someone new to investing to do? Don’t be scared off. Most investment companies out there are more than willing to help out their customers when it comes to investing for the first time. The smartest thing to do is keep it simple, which is why online investing can be a great way for beginner investors to start out.
Which Are the Best Investment Companies?
Best Investment Company Overall: TradeKing
TradeKing offers easy-to-use trading tools and a comprehensive selection of online trading tools that are perfect for anyone who is a beginner at trading. TradeKing’s reputation for top-notch customer service makes it a smart choice for first-time investors.
TradeKing’s platform offers the best tools when it comes to trading. It offers an options pricing calculator, a profitability calculator, a stocks and ETF screener, and a profit and loss calculator, among other tools. It also offers a plethora of research and charts to help you pick the best investments.
TradeKing is also one of the most affordable trading sites, offering stock and options trades for just $4.95 each, which is the lowest trading price we’ve seen. TradeKing also doesn’t have a minimum deposit requirement, so you can start trading for next to nothing. Here is a good breakdown of all the costs connected with TradeKing.
TradeKing also offers one of the best automated investing services with its TradeKing Advisors investing platform. It works similarly to other automated investing services, but includes two tiers to choose from depending on how hands-off you want to be. Here’s a better breakdown of TradeKing Advisors’ tools and costs.
Easiest Investment Company: Wealthfront
Wealthfront is the optimal site for anyone who doesn’t want to do the heavy lifting of investing. The premise of Wealthfront is that you invest the amount of money you want, answer a few questions about your goals and how much risk you are willing to take, and they will invest the money for you using an algorithm that makes smart investments based on your personal data.
Wealthfront’s involvement doesn’t end there. It will keep an eye on your investments and make necessary adjustments when the markets shift or certain stocks start to drop. The also have an excellent customer service team that can answer all of your questions. In addition to long-term investing, Betterment also offers a variety of IRAs you can sign up for. It also offers tax-efficient investing, which means it is trading in the most tax efficient way for you.
Another great plus for beginners is that Wealthfront only requires a small minimum deposit, $500, so you can start with a fairly small amount. The fees are a small percentage of whatever you invest, just 0.25%, no matter how much you invest. Here is a good comparison between Wealthfront and another automated service, Betterment.
Best Investment Company for Idea Investing: Motif Investing
Motif Investing is named after the investing option is works with the most: motifs. Motifs are basically investing in an idea. If you like the idea of renewable energy, but don’t know enough about the businesses that work on renewable energy, you can just invest in a “Renewable Energy” motif, which groups up to 30 stocks together for more diversified trading.
Most investors will invest in motifs that are already created, or created by fellow investors, but you can also create your own motif if you can’t find one you are interested in. Once you’ve selected your motif, Motif Investing will give you a breakdown of the stock involved in the motif and allow you to pick the percentage you want o allocate to each business. Of course, Motif will help you out along the way and make suggestions if you aren’t sure where to invest.
Motif Investing also does individual stock trading as well as IRAs. Each motif is $9.99 per trade, which is a deal since most individual stocks cost $5 and up. Individual stock trades at Motif cost $4.95 per trade. Here’s a more detailed breakdown of what Motif offers, including up to $150 for your first 5 trades.
Best Investment Company for High Rollers: Personal Capital
Personal Capital is basically the Rolls Royce of online investing. Investing is only one facet of what Personal Capital offers. It is an all-in-one service that lets you track all of your finances to give you a better idea of how you are managing your money and how you should be investing it. It’s basically a robotic personal financial advisor.
Personal Capital’s investing site works much like any other robo-advisor, except they have a minimum investment policy of $25,000 to start. You can invest your money in both individual and joint non-retirement accounts, as well as Roth, traditional, SEP and rollover IRAs and also trusts.
The account management fees that Personal Capital charges are more than most other automated investing sites (between 0.49% and 0.89%, depending on how much you invest), but they also provide more personalized services that most other automated investing sites. They also don’t charge any account fees and automatic rebalancing of your paid accounts for free. Personal Capital also provides one of the best customer service programs we’ve seen from an online investing website. You can read more about Personal Capital here.
What Are the Best Investment Companies for IRAs, Retirement?
Best Investment Company for IRAs Overall: TradeKing Advisors
Typically with an IRA, you want to be able to contribute money to your account and then forget about it. TradeKing Advisors is the best for a fund-it-and-leave-it IRA. The website has interactive tools to help you pick your risk level and the goals you are hoping to meet, and shows you potential outcomes based on your choices. It is very user-friendly and is great for anyone just starting to look into IRA investing.
TradeKing Advisors does require a $500 minimum deposit to open up an IRA account, but generally has much lower fees that many other investment firms. It charges a 0.25% annual fee for whatever your total investment is. Here is more on the costs associated with TradeKing Advisors.
Best Investment Company for Easy Setup: Betterment
Betterment looks at retirement investing differently than most other investing services. Instead of requiring you to learn a bunch of investing terms to figure out what kind of account you want, Betterment asks you a series of questions about your goals and how much risk you are looking for, and then creates a portfolio based on your needs and personal goals.
The best part about Betterment is that there is no minimum deposit, so you can start your IRA with as little investment as you want. The management fee for a Betterment IRA varies between 0.15 and 0.35 percent depending on how much you’ve invested.
Best Investment Company with Local Branches: Scottrade
If you aren’t completely satisfied with the online version of investing, you can choose a site that also has local branches, so you can meet with an investment advisor 1-on-1 to help you set up your IRA.
Scottrade offers excellent customer service, and its advisors can walk you through all your trading choices. It has a huge network and lots of resources for beginner investors. Commissions are moderately priced at $7 per trade, and there’s no account minimum for IRAs and a $2,500 minimum for a brokerage account.
What to Look for in an Investing Site?
When it comes to investing, strategy matters. For first-time investors, that strategy includes choosing an online trading site that makes trading easy and gives them the help and support they need.
The best investing sites for beginners:
Provide educational tools
Offer features that simplify the trading process
Give real-time support through chat, phone and email communications
There’s no such thing as a risk-free investment, and no one can predict with certainty where the Dow will be in a year. Beginning investors can minimize their risk by trading on sites that offer outstanding customer support, intuitive platforms and comprehensive educational resources to make trading easy and profitable.
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