HSAPAY's week 15 of 40 Funding for Baby Prep
Apr 18, 2023 12:01 am
Welcome back ,
Here's HSAPAY's weekly update for April 17th, 2023 that'll help you and your growing family navigate the complexities of utilizing and investing in your HSA.
HSA Weekly Roundup
- HSA Suprise!!
- Successful HSA's Start Here
- Stocks to overcome global economic factors
- Hello Heart Launches Campaign to Address Heart Health Gender Disparities
- Survey: More than Half of Payers Use Outcomes-based Contracts
Macro Minute & Precious Metals
- SIVR and SLV ETF stocks outlook as US inflation slips
- Is oil really headed for $100 a barrel again?
- Why did a regional US bank failure lead to financial market turmoil?
- The 'energy crisis is solved' and the German economy is safe, Bundesbank's Nagel says
- UK economy flat in February as strikes and inflation bite — and the IMF delivers reality check
3-6 Month HSA Investment Return Entries
- Intel stock price forecast: 26% upside despite PC, semi slump
- Goldman Sachs stock price forecast: UBS sees 17% upside
- The lower inflation trade: History shows these stocks could win from the latest CPI report
6-9 Month HSA ETF Investment Entries
- As Yields Dip, Watch This Multi-sector Income ETF Duo
- How Direct Indexing Can Benefit From Volatility
- As Investors Turn to Quality, Check Out SPHQ
HSA Suprise!!
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 There's something great hiding in your HSA, and no its not adorable kittens. HINT: Its Triple Tax-Free savings. #hsapay | ||
3:38 AM · Apr 15, 2023 | ||
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Successful HSA's Start Here
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 Winning with your HSA starts with a positive can do attitude, and healthy choices along the way. #hsapay | ||
3:38 AM · Apr 16, 2023 | ||
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Stocks to overcome global economic factors
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| Best Safe Investment 2023
While the global economy is unstable, many investors seek safe investments. Understanding the Global Macro factors can enhance your decision process when allocating funds to your HSA investment portfolio. #hsapay | ||
10:13 AM · Apr 15, 2023 | ||
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Hello Heart Launches Campaign to Address Heart Health Gender Disparities
A joint report by the American Heart Association and Hello Heart found that women die from heart attacks at twice the rate of men and that women are seven times more likely to be misdiagnosed when having a heart attack.
The report found that women are seven times more likely than men to be misdiagnosed during a heart attack and subsequently discharged from the emergency room. Even when women are correctly diagnosed, they wait an average of 11 minutes longer than men to see a physician. Additionally, women of color wait an average of 15 minutes longer than white women.
Survey: More than Half of Payers Use Outcomes-based Contracts
About 58% of health plans had at least one outcomes-based contract for prescription drugs in 2022, an Avalere Health survey found.
The reimbursement of prescription drugs in an outcomes-based contract is directly linked to the patient's achieved outcomes, marking a transition towards value-based healthcare.
The survey revealed that over 35% of payers had over 10 outcomes-based contracts in 2022, while 10% had 5 to 10, and just over 10% had 2 to 5. Approximately 15% of payers had no contracts but were in negotiations for one or more, whereas less than 10% had no contracts and had no plans to acquire any.
SIVR and SLV ETF stocks outlook as US inflation slips
SLV and SIVR ETFs, which tracks the price of physical silver, rose to the highest level since April 2022.They have jumped by ~44% from the lowest point in 2022.Silver price rally […]
Looking for a way to invest in silver without owning the physical metal? Check out the iShares Silver Trust (SLV) and abrdn Physical Silver Shares (SIVR) ETFs! 💰With $11 billion and $1.1 billion in assets, these leading exchange-traded funds offer a great opportunity for investors. 💪Don't miss out on this silver investment opportunity! 💰🚀
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Is oil really headed for $100 a barrel again?
Oil prices are not very likely to hit $100 a barrel again even though the OPEC+ is set to cut production from next month, says John Kilduff – Founding Partner of Again Capital.
The global oil market experienced a surprise last week when OPEC+ made a strategic move that caught many off guard. While this move has been timed well, it is worth noting that historically, OPEC has not been particularly successful in rescuing prices through cutting. Additionally, Energy Secretary Jennifer Granholm recently indicated that the US intends to refill its Strategic Petroleum Reserves to pre-Ukraine levels, causing oil prices to soar to their highest point this year. Despite this, Saudi Arabia has indicated that it plans to maintain full supply to several North Asian buyers, even in light of the recent OPEC announcement.
Why did a regional US bank failure lead to financial market turmoil?
The financial markets experienced a tumultuous week due to the banking crisis in the United States, which soon spread to Europe. Despite the failure of two American banks, the Federal Reserve acted swiftly and provided a lifeline over the weekend, leading to a rally in stocks as the risk of contagion appeared minimal.
Upon examining the balance sheet of one of the failed banks, SVB, it was revealed that the bank did not hedge against interest rate risk. But what exactly is interest rate risk? The world has been grappling with low inflation for an extended period, with some countries even experiencing deflation. Economists maintain that stable inflation around 2% is optimal for stable economic growth.
The 'energy crisis is solved' and the German economy is safe, Bundesbank's Nagel says
Germany's energy worries are over and Europe's largest economy has the "inherent strength" to recover, Bundesbank President Joachim Nagel says.
According to the International Monetary Fund, Germany's gross domestic product is projected to experience a slight contraction of 0.1% in 2023, before showing a growth of 1.1% in 2024. The country's manufacturing sector, which accounts for around 20% of its economy, faced a sharp fall in activity in March, as per the latest purchasing managers' index readings. This decline is the steepest in almost three years and the lowest recorded level since May 2020.
UK economy flat in February as strikes and inflation bite — and the IMF delivers reality check
The UK economy experienced stagnation in February due to widespread industrial action and persistent inflation, according to recent data. The GDP remained steady in February, falling short of the anticipated 0.1% growth, with both the services and production sectors contracting. The construction industry grew by a record 2.4%, which helped to balance the decline. This followed an upwardly revised 0.4% expansion in GDP in January, resulting in a 0.1% growth for the three-month period ending in February.
Intel stock price forecast: 26% upside despite PC, semi slump
🎉📈Intel and other semiconductor stocks have been on fire lately as investors hoped the industry had hit rock bottom. The positive results from Micron, which we discussed earlier, only added fuel to the rally!
🚨📉However, a new report from IDC just came out and it's not looking great. Apparently, demand is weak, there's a surplus of inventory, and the macro environment isn't helping. As a result, global PC shipments fell by a whopping 29% in Q1 2022 compared to the same time last year. That's a big drop, especially since 2022 was already a tough year for PC shipments. To be exact, companies sold 56.9 million PCs during the quarter, which is lower than the 59.3 million that were sold in Q1 2019.
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Goldman Sachs stock price forecast: UBS sees 17% upside
💰 Goldman Sachs said its trading revenue went up 16% in 2022 (the best among peers) which helped offset a big hit to its revenue from investment banking.
This is so exciting! 😍 Plus, they're shrinking their loss-producing consumer business which could be a great boost for their share price.
And, they're committed to expanding their financing business! As a global systemically important bank, they're already subject to the highest capital requirements, so changes from Basel 4 should be less significant than for regional banks. I can't wait to see their Q1 financial results next week! Consensus is for them to earn $8.53 a share this quarter versus $10.76 per share a year ago. 🤞
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The lower inflation trade: History shows these stocks could win from the latest CPI report
Investors who believe that inflation is on the decline and interest rates will follow suit may be interested in certain stocks that stand to gain from this trend. Recent data shows that the consumer price index rose by only 0.1% in March, falling short of economists' expectations of a 0.2% increase. Core inflation, which excludes food and energy prices, rose in line with expectations. As a result of this data, Treasury yields decreased, with the 2-year Treasury rate dropping by 6 basis points to 3.739%, and the 1-year and 3-year yields also experiencing declines.
- Biotech firm Illumina is killing it with a correlation coefficient of 0.35! 🚀 That means a 1% gain on SHY is associated with a 0.35% gain on their stock.
- 🤑 Illumina shares have been on fire this year, popping more than 13% 🔥.
- American Electric Power with a correlation coefficient of 0.26. Despite being flat this year, it has still jumped 15% over the past six months 📈.
- Seagen, another biotech stock, is also a star with a rolling correlation of 0.28 and a staggering 60% gain in 2023!
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As Yields Dip, Watch This Multi-sector Income ETF Duo
The Fed spilled the beans on their March meeting and it's not looking good for the economy. 😔 They're expecting a recession later this year due to last month's banking crisis, which means they may not raise rates as much as we'd like. But don't fret, investors! An active multi-sector income ETF can still bring in those returns. Short-term bonds were popular for a minute, but long-term bonds should not be forgotten.
And let's not forget, fixed income isn't just about bonds. With the American Century Multisector Income ETF (MUSI), we can access a wide range of that sweet, sweet fixed income world. 💰
How Direct Indexing Can Benefit From Volatility
The crazy stock market has got investors feeling 😬 especially those with a lot of 💰 who are watching their portfolios dwindle. But fear not, dear investors! There's a way to win in the face of these turbulent times. Enter: direct indexing technology for tax-loss harvesting opportunities.
Tax loss harvesting is when you sell a losing investment and use that money to invest in something else. This can actually turn your losses into gains and help keep your portfolio from even more. With direct indexing, high-net-worth investors can sell individual stocks at a loss to offset capital gains. It's like having your own personal portfolio based on a benchmark, and you own the individual stocks that represent that index.
As Investors Turn to Quality, Check Out SPHQ
While value- and yield-oriented factors continue to fall out of favor, investors are now turning to quality.
The Invesco S&P 500 Quality ETF (SPHQ) has seen a spike in flows year to date.
SPHQ, which has $4.7 billion in assets under management, has seen the third greatest net flows year to date across Invesco’s lineup of
While value- and yield-oriented factors may not be as popular 💔, investors are now looking towards quality. The Invesco S&P 500 Quality ETF (SPHQ) has been seeing a lot of love this year with $794 million in net flows as of April 11. The fund has also received $295 million in net flows over the past month 🤑. Why? Advisors are turning to higher quality investments due to market uncertainty 🤷♀️. So don't be surprised if you see more investors flocking to quality ETFs for their investments & HSA portfolios.
DISCLAIMER: None of this is financial advice. This newsletter is strictly educational and is not investment advice or a solicitation to buy or sell any assets or to make any financial decisions. Please be careful and do your own research.
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Enjoy,
Frank
