Best Financial Stocks To Watch For 2014

Federal regulators will issue a rule Tuesday that requires child seat labels warning parents not to use the seats and the in-car anchors known as LATCH once children and their seats weigh about 65 pounds combined.

The National Highway Traffic Safety Administration refused a request by safety advocates and child seat makers to raise the maximum weight to 80 pounds for use of LATCH because children now stay in child seats longer. And it says the new rule should simplify instructions for proper installation of the seats by making changes to a proposed label.

LATCH stands for Lower Anchors and Tethers for Children and includes tethers are the top and anchors at the bottom of seats and corresponding attachments in cars.

Critics worry the weight warnings could discourage people from using LATCH, which is intended to make child seat installation easier.

Best Financial Stocks To Watch For 2014: Wells Fargo & Company(WFC)

Wells Fargo & Company, through its subsidiaries, provides retail, commercial, and corporate banking services primarily in the United States. The company operates in three segments: Community Banking; Wholesale Banking; and Wealth, Brokerage, and Retirement. The Community Banking segment offers deposits, including checking, market rate, and individual retirement accounts; savings and time deposits; and debit cards. Its loan products comprise lines of credit, auto floor plans, equity lines and loans, equipment and transportation loans, education loans, residential mortgage loans, health savings accounts, and credit cards. This segment also provides equipment leases, real estate financing, small business administration financing, venture capital financing, cash management, payroll services, retirement plans, loans secured by autos, and merchant payment processing services; purchases sales finance contracts from retail merchants; and a family of funds, and investment managemen t services. The Wholesale Banking segment offers commercial and corporate banking products and services, including commercial loans and lines of credit, letters of credit, asset-based lending, equipment leasing, international trade facilities, trade financing, collection services, foreign exchange services, treasury and investment management, institutional fixed-income sales, commodity and equity risk management, insurance, corporate trust fiduciary and agency services, and investment banking services. This segment also provides banking products for commercial real estate market, and real estate and mortgage brokerage services. The Wealth, Brokerage, and Retirement segment offers financial advisory, brokerage, and institutional retirement and trust services. As of December 31, 2010, the company served its customers through approximately 9,000 banking stores in 39 States and the District of Columbia. Wells Fargo & Company was founded in 1929 and is headquartered in San Franc i sco, California.

Advisors’ Opinion:

  • [By Laura Brodbeck]

    Earnings Expected From:  JP Morgan Chase & Co. (NYSE: JPM), Fastenal Company (NASDAQ: FAST), Wells Fargo & Company (NYSE: WFC)

    Economic Releases Expected: German CPI, French current account, Spanish CPI, US PPI

  • [By David Dittman]

    It also has significant positions in Microsoft Corp (NSDQ: MSFT) and Wells Fargo (NYSE: WFC). Use of leverage is something to be wary of, but holdings support a consistent dividend.
    In short, yes.

  • [By Brian O’Connell]

    At Investing Daily, we have grown increasingly concerned with the national trend toward underfunded retirement plans. As a service to our readers, for the next few weeks we’ll send you a complimentary series of focused briefs to get you thinking about new ways to maximize performance both inside and outside of a structured 401k or similar plan. We hope you’ll find these briefs useful.

    This is the fifth installment in a five-part series.

    Retirement assets can really add up, especially if you invest early and take advantage of employer perks such as company matching. So why are more men than women using 401k plans?

    That’s the deal, as reported in a new study by banking giant Wells Fargo (NYSE: WFC).

    Wells Fargo runs 401k programs for four million US workers, giving it valuable insights into the trends and habits among its army of would-be 401k Millionaires. The bank’s data points to a plan participation gap between men and women.

    Ac cording to the report:

    In a review of data compiled from 2,036 companies where gender was indicated, about half of all men (49 percent) and four out of 10 women (43 percent) are enrolled in their workplace retirement plan. When compared to Wells Fargo’s recommended contribution index, which measures how many people are saving a minimum target of 10 percent in their 401k plan, including employer match, 43 percent of men contribute at this rate versus 39 percent of women.

    Even a 4 percent gap in gender 401k plan participation rates can cost women savers real money.

    Wells Fargo points out that plan participants who contributed to their 401k plans saw their average balances rise 19 percent and 35 percent over the past two years, largely due to stock market gains.

    “In general, all men and women need to take full advantage of their workplace retirement plan and embrace the 401k as the primary retirement benefit,” explains Joe Ready, director of We lls Fargo Institution

Best Financial Stocks To Watch For 2014: PowerShares DB Agriculture Fund (DBA)

PowerShares DB Agriculture Fund (the Fund) is a separate series of PowerShares DB Multi-Sector Commodity Trust (the Trust). The Fund’s subsidiary is DB Agriculture Master Fund (the Master Fund), a separate series of DB Multi-Sector Commodity Master Trust (the Master Trust). The Fund offers common units of beneficial interest (the Shares) only to certain eligible financial institutions (the Authorized Participants) in one or more blocks of 200,000 Shares, called a Basket. The proceeds from the offering of Shares are invested in the Master Fund. The proceeds from the offering of Shares are invested in the Master Fund.

The Master Fund invests with a view to tracking the changes, whether positive or negative, in the level of the Deutsche Bank Liquid Commodity Index Diversified Agriculture Excess Return (DBLCI Diversified Agriculture ER (the Index)) plus the excess, if any, of the Master Fund’s income from its holdings of United States Treasury Obligations and other short-term fixed income securities over the expenses of the Fund and the Master Fund. The Index is calculated to reflect the change in market value of the agricultural sector. The commodities comprising the Index are corn, soybeans, wheat, kansas city wheat, sugar, cocoa, coffee, cotton, live cattle, feeder cattle and lean hogs (the Index Commodities). The Master Fund also holds United States Treasury Obligations and other short-term fixed income securities for deposit with the Master Fund’s commodity broker as margin. The Index is composed of notional amounts of each of the underlying Index Commodities.

DB Commodity Services LLC serves as the managing owner, commodity pool operator and commodity trading advisor of the Fund and the Master Fund. The Bank of New York Mellon serves as the administrator of the Fund and the Master Fund.

Advisors’ Opinion:

  • [By Paul Ausick]

    The PowerShares DB Agriculture fund (NYSEMKT: DBA) traded up 2.17% for the week and closed on Friday at $28.43, in a 52-week range of $24.04 to $28.95. Shares posted an intraday high of $28.95 on March 13.

  • [By Richard Stavros]

    Whereas in the 1970s there were limited ways to hedge against inflation, now there is a cornucopia of currency and international commodities instruments that can not only hedge against inflation but other global shocks, such as market bubbles and even war.

    And it is these very scenarios that investors have been worried about. Since the beginning of the year, stocks, bonds and just about any investment you can think of have gyrated wildly at various times amid concerns of war, inflation and the possibility that the U.S. equity market is overvalued and headed for a correction.

    In response, some market analysts in Bloomberg news reports have offered any number of wildly unsubstantiated statements for why investors should ignore today’s perils. They dismiss the danger posed by Russia’s annexation of Ukraine’s Crimea region (“Putin will stop short of other countries or war with the West”). They also argue that the Federal Reserve chairwoman misspoke (“Janet Yellen really didn’t mean a rate hike is coming soon. Inflation is under control. It was a rookie mistake”).

    For my money, here’s the most outrageous: The Shiller Cyclically adjusted P/E metric which has predicted the 1929, 2000 and 2007 downturns doesn’t apply (“Suggests only a slightly expensive market with low to moderate returns going forward on average”).

    With new records being set by the S&P 500 in the last few months, it stands to reason that some investors have not needed much convincing to stay all in and buying. This mindset has prevailed, even as the impact of a Russian war or conflict, runaway inflation or a market correction could be devastating to investor portfolios, taking years to recover.

    If you’ve never thought of certain investments as “insurance,” it’s time to start now. Protecting wealth is as important as building wealth. And as previously mentioned, we have found that the Inflation Sur vival Letter’s Thri

Best Financial Stocks To Watch For 2014: UBS AG (UBSN)

UBS AG, incorporated on February 28, 1978, is a client-focused financial services company that offers a combination of wealth management, asset management and investment banking services on a global and regional basis. UBS AG is the parent company of the UBS Group (Group).The operational structure of the Company consists of the Corporate Center and four business divisions: Wealth Management & Swiss Bank, Wealth Management Americas, Global Asset Management and the Investment Bank. As of December 31, 2011, the Company operated about 877 business and banking locations worldwide, of which about 42% were in Switzerland, 42% in the Americas, 11% in the rest of Europe, Middle East and Africa, and 5% in Asia-Pacific. During the year ended December 31, 2011, it completed acquisitions in Global Asset Management and in the equities business of the Investment Bank. In November 2011, investment management responsibility for a private equity fund of funds was transferred to Global Asset Management from Wealth Management & Swiss Bank. In October 2011, Global Asset Management acquired ING Investment Management Limited business in Australia. In July 2011, the infrastructure and private equity fund of funds businesses were transferred from its alternative and quantitative investment area to its infrastructure investment area. In January 2011, investment management responsibility for a multi-manager alternative fund was transferred to Global Asset Management from Wealth Management & Swiss Bank.

Wealth Management

Wealth Management provides wealthy private clients with financial advice, products and tools to fit their individual needs. As of December 31, 2011, Wealth Management had presence in over 40 countries and approximately 200 wealth management and representative offices, half of which are outside Switzerland, mostly in Europe, Asia Pacific, Latin America and the Middle East. During 2011, the Company had CHF 750 billion of invested assets. The Company offers products and services to private! clients, focusing in particular on the ultra-high-net-worth (clients with investable assets of more than CHF 50 million) and high-net-worth client segments (clients with investable assets between CHF 2 million and CHF 50 million). In addition, it also provides wealth management solutions, products and services to financial intermediaries. Wealth Management has a presence in over 40 countries and approximately 200 wealth management and representative offices, half of which are outside Switzerland, mostly in Europe, Asia Pacific, Latin America and the Middle East.

The Company’s Global Financial Intermediaries (Global FIM) business serves approximately 1,700 asset managers. It provides its clients with the financial advice, products and tools. The Company’s clients can trade a range of financial instruments from single securities, such as equities and bonds, to various investment funds, structured products and alternative investments. Additionally, it offers s tructured lending, corporate finance and wealth planning advice on client needs, such as funding for education, inheritance and succession. For its ultra high net worth clients, it offers institutional-like servicing that provides access to its Investment Bank and Global Asset Management offerings. Wealth Management also gives clients access to the knowledge, and product and service offerings from Global Asset Management and the Investment Bank, complemented by an open product platform providing access to an array of products from third-party providers.

The Company competes with Credit Suisse, Julius Bar, HSBC, Deutsche Bank, JP Morgan, Citigroup, Barclays and Unicredit.

Retail & Corporate

The Company delivers financial products and services to its retail, corporate and institutional clients. The Retail & Corporate unit is a core element of UBS Switzerland’s universal bank delivery model. As of December 31, 2011, the Company had a net work of around 300 branches, 1,250 automated teller machines! , self-se! rvice terminals and customer service centers, alongside e-banking and mobile banking. The Company’s retail clients have access to offering, including cash accounts, payments, savings and retirement solutions, investment fund products, residential mortgages, as well as life insurance and advisory services. It provides financing solutions to its corporate clients, offering access to capital markets (equity and debt capital), syndicated and structured credit, private placements, leasing and traditional financing. The Company’s transaction banking offers solutions for payments and cash management services, trade and export finance, receivable finance, as well as global custody solutions to institutional clients.

The Company competes with Credit Suisse, Raiffeisen and PostFinance.

Wealth Management Americas

Wealth Management Americas provides advice-based relationships through its financial advisors, who deliver a range of wealth manage ment solutions. On December 31, 2011, the business division had CHF 709 billion in invested assets. Wealth Management Americas consisted of branch networks in the United States, Puerto Rico and Canada, with 6,967 financial advisors as of 31 December 2011. Most corporate and operational functions of the business division are located in the home office in Weehawken, New Jersey. In the United States and Puerto Rico, Wealth Management Americas operates through direct and indirect subsidiaries of UBS AG. Securities and operations activities are conducted primarily through two broker-dealers, UBS Financial Services Inc. and UBS Financial Services Incorporated of Puerto Rico. Its banking services in the United States include those conducted through the UBS AG branches and UBS Bank USA, a federally regulated Utah bank, which provides Federal Deposit Insurance Corporation (FDIC) insured deposit accounts. It includes the domestic US business, the domestic Canadian business and interna tional business booked in the United States.

Ca! nadian we! alth management and banking operations are conducted through UBS Bank (Canada). The Company’s include wealth accumulation and preservation, income generation and portfolio diversification. The Company’s advisors work closely with internal consultants in areas, such as wealth planning, portfolio strategy, retirement and annuities, alternative investments, managed structured products, banking and lending, equities, and fixed income accounts, structured products, banking and lending, equities, and fixed income retirement and annuities, alternative investments, managed accounts, structured products, banking and lending, equities, and fixed income. It also offers lending and cash management services, such as securities-backed lending, the resource management account, FDIC-insured deposits, mortgages and credit cards. For corporate and institutional clients, it offers a range of solutions, including equity compensation, administration, investment consulting, defined benefit an d contribution programs and cash management services. It offers a range of equity and fixed income instruments.

The Company competes with Bank of America, Morgan Stanley and Wells Fargo.

Global Asset Management

The Company serves third-party institutional and wholesale clients and the clients of UBS’s wealth management businesses. The Company’s fund services unit, a global fund administration business, provides professional services, including legal fund set-up, accounting and reporting. Invested assets totaled CHF 574 billion and assets under administration were CHF 375 billion on December 31, 2011. Global Asset Management serves third-party institutional and wholesale clients, and the clients of UBS’s wealth management businesses. Global Asset Management’s business lines include traditional investments (equities, fixed income and global investment solutions); alternative and quantitative investments; global real estate; infras tructure and private equity, and fund services.

Global ! investment solutions offer asset allocation, currency, multi-manager, structured solutions, risk advisory and strategic investment advisory services. Alternative and quantitative investments has two primary business lines-Alternative Investment Solutions (AIS) and O’Connor. AIS offers a range of hedge fund solutions and advisory services, including multi-manager strategies. O’Connor is a provider of single-manager global hedge funds. Global real estate manages real estate investments globally and regionally within Asia, Europe, Switzerland and the United States. Infrastructure and private equity manages direct infrastructure investment and multi-manager infrastructure and private equity strategies for both institutional and high net worth investors. Infrastructure asset management manages direct investments in core infrastructure assets worldwide. Fund services, the global fund administration business, provides professional services, including legal set-up, reporting and accounting for retail and institutional investment funds, hedge funds and other alternative products.

The Company competes with Fidelity Investments, AllianceBernstein Investments, BlackRock, JP Morgan Asset Management and Goldman Sachs Asset Management.

Investment Bank

The Investment Bank provides a range of products and services in equities, fixed income, foreign exchange and commodities to corporate and institutional clients, sovereign and government bodies, financial intermediaries, alternative asset managers and UBS’s wealth management clients. The Investment Bank has three business areas: equities, fixed income, currencies and commodities (FICC), and the investment banking department. The Company operates through branches and subsidiaries of UBS AG. Securities activities in the United States are conducted through UBS Securities LLC, a broker-dealer. Securities research provides investment analysis across a range of asset class es of more than 3,400 companies worldwide.

The ! Company p! articipates in the primary and secondary markets for cash equity and equity-related products, including listed options, structured products, equity-linked securities, swaps, futures and over-the-counter (OTC) derivative contracts. Cash equities provide clients with liquidity, investment advisory, trade execution and related consultancy services. It offers trade execution for single stocks and portfolios, including capital commitment, block trading, small-cap execution and commission management services. In addition, it also provides clients with a range of electronic trading algorithms and analytical tools. Derivatives and equity-linked provides a range of flow, structured, synthetic and equity-linked products with worldwide access to primary and secondary markets.

Prime services offer brokerage business, including clearing and custody, capital consultancy, financing, securities lending and equity swaps execution. The FICC business area delivers products and sol utions to corporate, institutional and public-sector clients in all markets, as well as to private clients via targeted intermediaries. Macro consists of the foreign exchange, money market and interest rate sales and trading businesses, as well as cash and collateral trading. It provides a range of foreign exchange, precious metals, treasury, and liquidity management solutions to institutional and private clients via targeted intermediaries. Credit sales and trading consists of the origination, underwriting, trading and distribution of cash and synthetic products across the credit spectrum – bonds, derivatives, notes and loans.

The investment banking department provides advice and a range of capital markets execution services to corporate clients, financial institutions, financial sponsors, sovereign clients and hedge funds. The Company also provides liquidity in local markets across foreign exchange, credit, rates and structured products. The advisory group ass ists in acquisitions and sale processes, and also advises on! reviews ! and corporate restructuring solutions. Global capital markets is a joint venture with the securities business. It offers financing and advisory services that cover all forms of capital raising, as well as risk management solutions. Global leveraged finance provides event-driven (acquisition, leveraged buyout) loans, and bond and mezzanine leveraged finance to corporate clients and financial sponsors.

The Company competes with Bank of America/Merrill Lynch, Barclays Capital, Citigroup, Credit Suisse, Deutsche Bank, Goldman Sachs, JP Morgan Chase and Morgan Stanley.

Advisors’ Opinion:

  • [By Bloomberg News]

    “We believe land reform, free trade zones, national security, and state-owned enterprises may become long-lasting investment themes,” UBS AG (UBSN) strategist Chen Li, wrote in a report dated today. “Household registration reform, population policy, and financial reform remain to be seen, and may have a short-term negative impact on related thematic investment in terms of sentiment.”

  • [By Bloomberg News]

    UBS AG (UBSN)’s China venture plans to offer more computerized-trading services as it bets on a surge in demand from institutional money managers in the biggest emerging market.

  • [By Sofia Horta e Costa]

    BP posted its best week in 23 months after the oil producer increased its dividend. Alcatel-Lucent rallied 18 percent after predicting it will beat its cost-cutting targets this year and reporting a narrower-than-forecast quarterly loss. UBS AG (UBSN) dropped the most in almost two years after saying it may fail to reach its profitability goal until at least 2016.

Best Financial Stocks To Watch For 2014: Malvern Federal Bancorp Inc.(MLVF)

Malvern Federal Bancorp, Inc. operates as the bank holding company for Malvern Federal Savings Bank, which is a federally chartered savings bank. It provides banking services in Pennsylvania. The company engages in attracting deposits from the general public and using those funds to invest in loans and investment securities. Its deposit products include interest-bearing and non-interest-bearing checking accounts, as well as money market, savings, and certificate of deposit accounts. The company?s loan products principally include one-to four family residential mortgage loans; and consumer loans comprising home equity loans, home equity lines of credit, automobile loans, unsecured personal loans, and loans secured by deposits. It conducts business from its headquarters and eight full-service branches in Chester and Delaware Counties, Pennsylvania. The company was founded in 1887 and is headquartered in Paoli, Pennsylvania.

Advisors’ Opinion:

  • [By Tim Melvin]

    Malvern Federal (MLVF) is a great example of a small financial institution at a cheap price with a sound financial condition. The bank has 8 branches in the Chester and Delaware counties of Pennsylvania. The bank has been around since 1897 and currently has about $600 million in assets. MLVF has a great balance sheet, with an equity-to-assets ratio of 10.9 and nonperforming assets that are just 1.98% of total assets.

Best Financial Stocks To Watch For 2014: OmniAmerican Bancorp Inc.(OABC)

OmniAmerican Bancorp, Inc. operates as the holding company for OmniAmerican Bank, which is a federally-chartered savings bank that provides banking services to consumers and businesses in Texas. The company involves in accepting deposits from the general public and investing those deposits together with funds generated from operations and borrowings in loans and investments. Its deposit products consist of savings accounts, interest-bearing and noninterest-bearing demand accounts, money market accounts, and certificates of deposit. The company?s loan products include residential real estate loans, such as one-to-four-family and home equity loans; commercial loans consisting of real estate construction, commercial real estate, and commercial business loans; and consumer loans, which include direct automobile, indirect automobile, and unsecured loans. It operates through its main office in Fort Worth, Texas and 15 branches located in the Dallas/Fort Worth Metroplex and Hood County, Texas. The company was founded in 1956 and is headquartered in Fort Worth, Texas.

Advisors’ Opinion:

  • [By Lisa Levin]

    Omniamerican Bancorp (NASDAQ: OABC) shares fell 1.40% to touch a new 52-week low of $21.08. Omniamerican Bancorp’s trailing-twelve-month ROA is 0.44%.