Safe Yields by Lipper Category

Chart #1 shows Total Return for the past 12 months of funds in Lipper Categories versus risk as measured by the Ulcer Index which is based on the length and duration of drawdowns. Three clusters of categories can be seen. The upper leftmost cluster are those with low risk and higher returns. The size of the sphere is proportional to the yield. The lower left most cluster are those with lower returns and higher risk. The center cluster represents those with moderate risk and returns. What the chart shows is that most higher yielding funds have higher risk.

Figure #1: Seeking Yield with Low Risk

Seeking Yield With Low RiskSource: Created by the Author Based on Mutual Fund Observer Screens

Table #1 contains the data used in Chart #1. All categories have at least 2% yield. The green area is the low risk categories with moderate 12-month returns. The yield divided by Ulcer Index represents the yield that an investor receives for the risk (Ulcer Index) that they are taking. Martin Ratio is the risk free, risk-adjusted return. The yellow cells contain categories that have slightly more risk, decent 12-month returns and slightly higher yields. The categories in the red shaded area are higher risk categories which have also had lower returns. I added a fourth category of funds that have exhibited low risk, but I believe with COVID recurring in some regions have higher risk. The top two categories are the ones where I prefer to invest.

Table #1: Lipper Categories by Return, Yield and Risk

Source: Created by the Author Based on Mutual Fund Observer Screens

Table #2 contains some of the top-ranked funds from my ranking system based on risk, risk-adjusted returns, momentum, income, and quality. These correspond to the green shaded “lowest risk” categories in


DANBURY — In recognition of National Fire Safety Month, the city’s fire department and a local insurance agency will hold a drive-thru fire safety event this Thursday.

The event will take place outside State Farm Insurance agent Maria Ordonez’s office at 9 Padanaram Road from 3 to 5:30 p.m.

People of all ages are welcome to drive through the parking lot to receive important fire safety material, information, activities and “goodies” distributed right to their vehicles by members of the Danbury Fire Marshal’s Office and the Ordonez State Farm Insurance Team.


The event will be touchless and follow appropriate CDC guidelines and protocols, according to the fire department. All attendees must wear masks.


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By Dhara Ranasinghe

LONDON, Sept 30 (Reuters)Germany’s 10-year bond yield touched its lowest level in almost two months on Wednesday, after an acrimonious first U.S. presidential debate made investors cautious globally and underpinned demand for safe-haven assets.

Comments from a number of European Central Bank officials including President Christine Lagarde, and inflation data from Italy and France also supported regional debt markets.

Lagarde set the scene for changing the ECB’s strategy to align it with that of the Federal Reserve, possibly including a commitment to let inflation overshoot after it has been low for too long.

In her first update on the ECB’s ongoing review of its strategy, Lagarde also opened the door to giving the central bank less time to achieve its elusive near-2% inflation goal.

“In our view she is making a very clear case for a symmetric goal of 2%,” said Nick Kounis, head of financial markets research at ABN AMRO.

The 10-year Bund yield touched -0.55% DE10YT=RR, its lowest since early August. The benchmark yield is down almost 15 basis points in September, on track for its biggest monthly drop since February.

Data showed Italy’s EU-harmonised consumer prices rose a preliminary 1.0% month-on-month in September and declined 0.9% from the year earlier, pointing to deepening deflation. French consumer prices were flat in September over a twelve-month period.

Data on Tuesday showed September’s harmonised German consumer prices fell 0.4%, not a good sign for the “flash” estimate of inflation in the euro area in September due later this week.

A key gauge of long-term inflation expectations in the euro area on Wednesday hovered close to its lowest levels since July at around 1.1373% EUIL5YF5Y=R.

Renewed concerns about the economic impact of rising coronavirus cases in Europe, weak inflation, and

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