{"id":3938,"date":"2020-11-06T08:31:00","date_gmt":"2020-11-06T15:31:00","guid":{"rendered":"https:\/\/ltwealth.ca\/?p=3938"},"modified":"2021-01-15T11:10:01","modified_gmt":"2021-01-15T18:10:01","slug":"what-are-these-yields-telling-us","status":"publish","type":"post","link":"https:\/\/crossborderwealth.ca\/2020\/11\/06\/what-are-these-yields-telling-us\/","title":{"rendered":"What Are These Yields Telling Us?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3938\" class=\"elementor elementor-3938\" data-elementor-settings=\"[]\">\n\t\t\t\t\t\t<div class=\"elementor-inner\">\n\t\t\t\t\t\t\t<div class=\"elementor-section-wrap\">\n\t\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-ef6fea9 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"ef6fea9\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7ea44ec\" data-id=\"7ea44ec\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-36cb9d4 elementor-aspect-ratio-169 elementor-widget elementor-widget-video\" data-id=\"36cb9d4\" data-element_type=\"widget\" data-settings=\"{&quot;video_type&quot;:&quot;vimeo&quot;,&quot;autoplay&quot;:&quot;yes&quot;,&quot;aspect_ratio&quot;:&quot;169&quot;}\" data-widget_type=\"video.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-wrapper elementor-fit-aspect-ratio elementor-open-inline\">\n\t\t\t<iframe class=\"elementor-video-iframe\" allowfullscreen title=\"vimeo Video Player\" src=\"https:\/\/player.vimeo.com\/video\/476041303?autoplay=1&amp;color&amp;autopause=0&amp;loop=0&amp;muted=0&amp;title=1&amp;portrait=1&amp;byline=1#t=\"><\/iframe>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5b0d05ff elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5b0d05ff\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-7803456b\" data-id=\"7803456b\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-column-wrap elementor-element-populated\">\n\t\t\t\t\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-3a892d04 elementor-widget elementor-widget-text-editor\" data-id=\"3a892d04\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<p><!-- wp:paragraph --><\/p>\n<div>\n<p>Something is happening in the financial markets that has never happened before. Yields on <a href=\"https:\/\/www.investopedia.com\/terms\/1\/30-yeartreasury.asp\" target=\"_blank\" rel=\"noopener\">30-year Treasury bonds<\/a> are lower than the\u00a0<a href=\"https:\/\/www.investopedia.com\/articles\/markets\/071616\/history-sp-500-dividend-yield.asp\" target=\"_blank\" rel=\"noopener\">yield of the S&amp;P 500<\/a>. What does this mean? Essentially, the risk-reward payoff is overly skewed in favour of equities not only due to their ability to hold value against inflation, but also because of their ability to generate dividend income.<\/p>\n<p>\u00a0<\/p>\n<h3>Equity vs. Fixed Income Oversimplified<\/h3>\n<p>Investing in common equities traditionally has two benefits:\u00a0<\/p>\n<p>1) <a href=\"https:\/\/www.investopedia.com\/terms\/c\/capitalgain.asp\" target=\"_blank\" rel=\"noopener\">Capital gains<\/a>, which arise as the value of your stock holdings increase over time. <br \/>2) <a href=\"https:\/\/www.investopedia.com\/terms\/d\/dividend.asp\" target=\"_blank\" rel=\"noopener\">Dividends<\/a>, which come in the form of periodic payments from the company to shareholders. Essentially profit sharing with shareholders.\u00a0<\/p>\n<p>Investing in fixed income on the other hand typically has the sole benefit of receiving a pre-specified amount in the form of an interest payment or <a href=\"https:\/\/www.investopedia.com\/terms\/c\/coupon.asp\" target=\"_blank\" rel=\"noopener\">coupon<\/a>. Fixed income investors do not get the benefit of capital gains.<\/p>\n<p>\u00a0<\/p>\n<\/div>\n<h3>Low Interest Rates Make Fixed Income a Tough Sell<\/h3>\n<p>In order to compensate fixed income investors properly when purchasing an investment that doesn&#8217;t offer the opportunity of capital gains, a higher yield or nominal rate is typically required. This however is not the case right now thanks to the\u00a0<a href=\"https:\/\/www.nytimes.com\/2020\/09\/16\/business\/economy\/federal-reserve-interest-rates.html\" target=\"_blank\" rel=\"noopener\">low interest rate environment<\/a>. The result is below average nominal returns on traditionally safe fixed income investments as well as zero chance of investment growth in the form of capital gains&#8230; Thats a pretty tough sell even before factoring in taxes and inflation.\u00a0<\/p>\n<p><strong>As of Nov 3, 2020:\u00a0<\/strong><br \/>30-Year Treasury Yield = 1.55% (Source:\u00a0<a href=\"https:\/\/www.cnbc.com\/quotes\/?symbol=US30Y\" target=\"_blank\" rel=\"noopener\">CNBC<\/a>)<br \/>S&amp;P 500 Dividend Yield = 1.80% (Source:\u00a0<a href=\"https:\/\/ycharts.com\/indicators\/sp_500_dividend_yield\" target=\"_blank\" rel=\"noopener\">Ycharts<\/a>)<\/p>\n<p><!-- \/wp:paragraph --><\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6547bdd elementor-widget elementor-widget-image\" data-id=\"6547bdd\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-image\">\n\t\t\t\t\t\t\t\t\t<figure class=\"wp-caption\">\n\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.cnbc.com\/quotes\/?symbol=US30Y\">\n\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"756\" height=\"272\" src=\"https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2020\/11\/Screen-Shot-2020-11-05-at-3.16.55-PM.png\" class=\"attachment-large size-large\" alt=\"30-Year Treasury Yield Since 1986\" srcset=\"https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2020\/11\/Screen-Shot-2020-11-05-at-3.16.55-PM.png 756w, https:\/\/crossborderwealth.ca\/wp-content\/uploads\/2020\/11\/Screen-Shot-2020-11-05-at-3.16.55-PM-300x108.png 300w\" sizes=\"(max-width: 756px) 100vw, 756px\" \/>\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t<figcaption class=\"widget-image-caption wp-caption-text\">Source: CNBC 30-Year Treasury Yield Since 1986<\/figcaption>\n\t\t\t\t\t\t\t\t\t\t<\/figure>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f95dba2 elementor-widget elementor-widget-text-editor\" data-id=\"f95dba2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-text-editor elementor-clearfix\">\n\t\t\t\t<h3>\u00a0<\/h3>\n<h3>Understanding Real Rate Of Return<\/h3>\n<div>The real rate of return is the annual percentage of profit earned on an investment, adjusted for inflation. Adjusting the nominal return to compensate for inflation allows investors to get an accurate picture of how their wealth or\u00a0<a href=\"https:\/\/www.investopedia.com\/terms\/p\/purchasingpower.asp\" target=\"_blank\" rel=\"noopener\">purchasing power<\/a>\u00a0changes over time.\u00a0The formula for real rate of return is:<\/div>\n<p><strong>Real rate of return = nominal return &#8211; inflation rate<\/strong><\/p>\n<div>\n<p>Similar to how taxes chip away at your earnings, so does inflation. The long-term <a href=\"https:\/\/www.bankofcanada.ca\/core-functions\/monetary-policy\/inflation\/#:~:text=The%20Bank%20of%20Canada%20aims,consumer%20price%20index%20(CPI).\" target=\"_blank\" rel=\"noopener\">inflation target in Canada<\/a>, as well as the US, is around 2% per year.\u00a0<span style=\"color: var( --e-global-color-text );\">Say you were to purchase a 30-year US government Treasury bond today with a yield of 1.55%. Assuming the inflation target of 2% per year actually materializes, your real rate of return would be -0.45% per year. Contrast this with a hypothetical investment in an equity that grows by approximately 4% per year and generates a 1.8% annual dividend. Factoring in inflation, your total real return would be:\u00a0<\/span><\/p>\n<p><span style=\"color: var( --e-global-color-text );\">(Growth Rate) + (Dividend) &#8211; (Inflation) = (4%) + (1.8%) &#8211; (2%) = + 3.8%<br \/><\/span><br \/><span style=\"color: var( --e-global-color-text );\">+3.8% is a heck of a lot better than -0.45%, especially when compounded over the span of 30 years. Needless to say, it is absolutely critical to have a solid understanding of real returns prior to making any investment decisions.\u00a0<\/span><br \/><span style=\"color: var( --e-global-color-text );\">\u00a0<\/span><\/p>\n<\/div>\n<h3>Financial Advice is Crucial<\/h3>\n<p>Times are tough, and there is a lot of uncertainty in the markets right now. If you or someone you know are in need of financial advice, we are always happy to chat. We don&#8217;t charge for the first consultation, and there is no obligation to sign-up. <a href=\"https:\/\/crossborderwealth.ca\/contact\/\">Contact us<\/a> to book a free financial consultation with one of our licensed financial advisors.\u00a0<\/p>\n<p>Alternatively, you can read more about investment yields and interest rates by filling out the form below.\u00a0<\/p>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5f2834c1 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5f2834c1\" data-element_type=\"section\" id=\"see-email\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t\t\t<div class=\"elementor-row\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 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