2024 Hi yield investments - PenantPark Floating Rate Capital (PFLT 0.81%) is a business development company that offers investors a huge 10.9% yield at recent prices. With such a high …

 
Jul 12, 2023 · High-yield investments often come with increased risk, and many can be yield traps – investments that have high yields but unhealthy fundamentals. When the price of a stock or bond goes down ... . Hi yield investments

Of the market’s high yield stocks, EPR Properties’ 8.19% dividend yield not only looks sustainable, but may even have room to grow. As a real estate investment trust which invests in experimental real estate, EPR Properties’ portfolio consists primarily of entertainment venues like theme parks, music theaters, movie theaters, restaurants ...I will also list my favorite safe high-yield investments, some of which are yielding more ...8. 11. 2023. ... Forgash points out favorable terms for investing in high-yield environments: "You can invest in a very resilient portfolio of high-yield credits ...A high-yield savings account offers high rates and is a safe place to keep your cash; ... An S&P 500 ETF attempts to provide investment results corresponding to the yield of the S&P 500, a listing ...One of the differences is that the UFB High Yield Savings account, which has ATM access, doesn’t have a monthly service fee. The UFB High Yield Money Market account has a $10 monthly maintenance ...Protect your hard earned money – learn more tips on investing wisely and avoiding fraud at Investor.gov. Call the SEC’s Office of Investor Education and Advocacy (OIEA) at 1-800-732-0330, ask a question using this online form, or email OIEA at [email protected]. Receive Investor Alerts and Bulletins by email or RSS feed.The fund mainly invests in investment-grade credit, securitized debt, and U.S. Treasuries but can also venture into high-yield bonds, non-U.S. debt, and foreign currencies, he writes. The $11.9 ...Oct 13, 2023 · See also: 6 Best Online Savings Accounts with High Yield. 3. Certificates of Deposit (CDs) Certificates of deposits (CDs) are a great low-risk, long-term investment option. A CD account is ... Assets in money market funds have hit all-time record levels four weeks in a row, according to cranedata.com. Investors poured a net $152.7 billion into money market funds in May. That put money ...May 6, 2023 · For a taxpayer in the 24% federal bracket, the tax-equivalent yield is 4.2%, or 5.1% for someone in the highest federal bracket of 37%. You can do slightly better on yield with VANGUARD TAX-EXEMPT ... Built to deliver easy access to high-performance investment products for individual investors. Strong track record of superior returns since 2018. No negative annual results up-to-date. Powered and operated by Mutual Fund from Cayman Islands. Cayman Islands is one of the most reputable and well-known jurisdictions for asset management companies ...1. High-Yield Savings Accounts. The high-yield savings account is pretty much the gold standard of safe investments, offering you strong returns given the total absence of risk. The money you have stashed in almost any bank is insured by the Federal Deposit Insurance Corp., meaning the government will make you whole on any losses up …In Best Low-Risk Investments for 2023, I provided a comprehensive list of low-risk investments with predictable returns.But it’s precisely because those returns …May 6, 2023 · For a taxpayer in the 24% federal bracket, the tax-equivalent yield is 4.2%, or 5.1% for someone in the highest federal bracket of 37%. You can do slightly better on yield with VANGUARD TAX-EXEMPT ... Finally, all accounts listed offer FSCS protection up to £85,000 or £170,000 for joint accounts (more on this below), and each has its own FSCS licence. A savings account is where you can ...Investors appeared buoyed by the Fed officials’ comments. Higher interest rates raise costs for consumers and companies, typically weighing on markets. The two …High Yield Global Bond Fund. A sub fund of Aegon Asset Management Investment Company (Ireland) Plc. ISIN: IE00B296WW80 SEDOL: B296WW8 ...Instead of stressing with a calculator or calling your accountant, you can figure out which tax-sheltered account is best for you — FHSA, RRSP, or TFSA — with this very simple (and fun!) flow chart. Learn about investing in Canada with our free articles, guides and videos. We’ll teach you everything you need to know about stocks, bonds ...It produced a record-breaking 323,000 barrels of oil per day last quarter, turning it into revenue of over $3.4 billion and a net income of $690 million, or $1.07 per share. That was more than ...Nov 1, 2023 · BXMT, another mortgage REIT, falls under the Blackstone Inc. ( BX) umbrella, the largest owner of commercial real estate globally. Currently, the firm owns a portfolio of 185 senior loans totaling ... High-yield investments come with a few different advantages. Higher yields; The primary attraction of junk bonds and other high-yield investments is the …It is widely accepted that bonds classified as investment grade tend to be less risky than those designated as high yield and usually deliver a lower return.Aim for 60% in stocks and 40% in low-risk investments like bonds and CDs when thinking long term with your portfolio as you save for retirement, experts say. "The only real hedge against inflation ...It produced a record-breaking 323,000 barrels of oil per day last quarter, turning it into revenue of over $3.4 billion and a net income of $690 million, or $1.07 per share. That was more than ...Dec 2, 2023 · Limelight’s four CDs earn either high rates or ones well above national averages. The minimum $1,000 deposit required is less than many banks impose, although some savers may find it to be too ... One of the differences is that the UFB High Yield Savings account, which has ATM access, doesn’t have a monthly service fee. The UFB High Yield Money Market account has a $10 monthly maintenance ...A high-yield bond–also known as a junk bond–is a debt security issued by companies or private equity concerns, where the debt has lower than investment grade ratings. It is a major component – along with leveraged loans–of the leveraged finance market. For a brief explainer on how the market works, check out this video, courtesy LCD and ...Today’s most generous high-yield savings accounts pay interest rates of 5% to 6%. That’s up from less than 1% in early 2022, before the Federal Reserve began …Leith Wheeler Investment Counsel provides leading Private Client and Institutional Portfolio Management as well as Canadian Equity and Fixed Income Funds.Ivy Bank’s High-Yield Savings account offers a highly competitive 5.3% APY, and the bank guarantees you’ll earn that yield through June 2024. But, in addition to a fairly steep $2,500 opening ...Aug 11, 2023 · High-Yield Bond: A high-yield bond is a high paying bond with a lower credit rating than investment-grade corporate bonds , Treasury bonds and municipal bonds . Because of the higher risk of ... High-yield investments offer the potential for higher returns but also have higher risks than traditional investment options. High-yield investments can encompass a range of financial products or strategies, including high-yield bonds, high-dividend stocks, peer-to-peer lending, REITs, certain alternative investments, or speculative ventures. These high-octane income stocks average a 12.06% yield, meaning a $30,000 initial investment, split equally, can allow you to collect $300/month.Second, your income will vary based on the yields that your investments generate. For example, if you have $30,000 to invest, putting it all in the S&P 500 will only make you around $735 ...This makes it a good investment for long-term investors. 8. High-Dividend Stocks and Preferred Stocks. Stocks are high-risk but can be one of the best high-yield investments if you have the risk tolerance. The two best types of stocks for high yields are high-dividend and preferred stocks.High-yield savings account (HYSA) If you want higher returns on your money but are nervous about investing, consider opening a high-yield savings account. An HYSA offers a much higher APY than a ...The term “yield,” when used in cooking, refers to the number of servings that are generated by a particular recipe. In most recipes, the term “yields, ” followed by a number, is used at the beginning or the end of an ingredient list.This ETF has attracted over $7.2 billion in AUM and currently pays a decent 7.8% trailing 12-month yield. During the rising inflation environment of 2021 and 2022, AMLP returned 34.5% and 25.1% ...Best investments for beginners. 1. High-yield savings accounts. This can be one of the simplest ways to boost the return on your money above what you’re earning in a typical checking account.High-Yield Monthly Dividend Stock #4: AGNC Investment Corporation (AGNC) Dividend Yield: 17.3% American Capital Agency Corp is a mortgage real estate investment trust that invests primarily in agency mortgage – backed securities ( or MBS ) on a leveraged basis.These high-octane income stocks average a 12.06% yield, meaning a $30,000 initial investment, split equally, can allow you to collect $300/month.High-Yield Investment Programs. The Internet is awash in so-called “high-yield investment programs” or “HYIPs.”. These are unregistered investments typically run by unlicensed individuals – and they are often frauds. The hallmark of an HYIP scam is the promise of incredible returns at little or no risk to the investor. A HYIP website ...ILTB’s benchmark is the Bloomberg U.S. Universal 10+ Year Index, which tracks dollar-denominated corporate and government high-yield or investment-grade bonds with remaining maturities of at ...Unlock the best high-yield savings account rates in December 2023. Find FDIC-insured options and start saving with rates as high as 6.17% APY today. Your path to financial growth begins here. 16. 1. 2022. ... The most common high-yield investments are stocks and bonds, but there are also various alternative investment options. Here's how it all breaks ...Designed to deliver high level of income from a portfolio of below investment grade securities. · Invests primarily in a diversified portfolio of intermediate ...Dec 1, 2023 · This varied list of high yield bond mutual funds delivers impressive cash flow, moderate price volatility and broad diversification. Investors seeking cash flow and potential capital... These are the best dividend stocks for December 2023 based on yield. ... such as finance, energy, and real estate investment trusts, typically pay higher dividends than other industries. When ...Nov 6, 2023 · Money market accounts, certificates of deposit, cash management accounts and high yield savings accounts all carry FDIC insurance. Treasury bills, notes and bonds are backed by the U.S. government ... Leith Wheeler Investment Counsel provides leading Private Client and Institutional Portfolio Management as well as Canadian Equity and Fixed Income Funds.What Are High-yield Corporate Bonds? The SEC’s Office of Investor Education and Advocacy is issuing this Investor Bulletin to educate individual investors about high-yield corporate bonds, also called “junk bonds.” While they generally offer a higher yield than investment-grade bonds, high-yield bonds also carry a higher risk of default.Investing in an IRA CD is relatively easy. ... In certain areas, its high-yield savings account offers a competitive APY. Synchrony Bank: 2.25%-5.50% APY (3 months-5 years), $0 minimum deposit.A high-yield savings account is a type of savings account that can pay up to 10 to 12 times the national average of a standard savings account. Traditionally, people have held a savings account at ...Compared to investment grade corporate and sovereign bonds, high yield bonds are more volatile with higher default risk among underlying issuers. In times of economic stress, defaults may spike, making the asset class more sensitive to the economic outlook than other sectors of the bond market. High yield bonds share attributes of both fixed ...A second ultra-high-yield dividend stock that can collectively generate $500 in super safe annual dividend income from an initial investment of $5,750 (split equally, three ways) is business ...at +1 469 844 3353 or complete the contact form below. Success! Message received. [email protected]. Office. Dallas, USA. Tallinn, Estonia. Leonberg Capital is a trusted Specialist in high yield investing with over 40,000 followers and 2,000 clients worldwide. We provide various research and consulting services on REITs, mREITs, …The fund mainly invests in investment-grade credit, securitized debt, and U.S. Treasuries but can also venture into high-yield bonds, non-U.S. debt, and foreign currencies, he writes. The $11.9 ...Mar 10, 2022 · High-yield bond definition. High-yield corporate bonds — also called “junk bonds” or “non-investment grade bonds” — are debt obligations issued by companies looking to raise capital ... Investing +More All Investing ... is a low 0.10% over $2,500 — which at that point we'd recommend shifting other savings beyond the $2,500 to a high-yielding bank account. Other savings accounts ...One of the differences is that the UFB High Yield Savings account, which has ATM access, doesn’t have a monthly service fee. The UFB High Yield Money Market account has a $10 monthly maintenance ...Enterprise Products Partners: 8% yield. Despite its market-crushing yield, the master limited partnership (MLP) Enterprise Products Partners ( EPD 1.08%) offers one of the safest distributions ...Double-digit dividend growth. Each stock on the list has increased dividends by an average of at least 12% per year over the last three years. Sustained dividend growth. All the companies must ...Learn how to choose safe and high-yield investments with low risk and high returns. Find out the best options for cash, bonds, stocks, alternative investments, and more. Compare the pros and cons of each investment type and see examples of how to invest in them.Sources: interactive investor and Morningstar. 12-month yield date for all investment trusts 31 December 2022. ... This bond portfolio i nvests in high-yielding asset-backed securities, including mortgages and credit card debt. The end result is an eye-catching yield of 7.4%.Best investments for beginners. 1. High-yield savings accounts. This can be one of the simplest ways to boost the return on your money above what you’re earning in a typical checking account.Vanguard Australian Shares High Yield ETF (VHY) 5.5%. 2.5%. 6.0%. Betashares Australian Dividend Harvester Fund (HVST) 7.5%. -5.3%. 2.2%. It’s a good demonstration of how the higher dividend of HVST limits your ability to earn capital returns – an important component of investing in shares.Currently, the national average APY for a traditional savings account sits at 0.46%, whereas some of the high-yield accounts on our list boast rates as high as 5.00%.Nov 20, 2023 · High-yield savings account (HYSA) ... Although beginners need to bare in mind that fine art is a high-risk investment compared to other forms of investments, with no recurring income, ... How do a high-yield savings account stack up to other similar investment options? Certificates of deposit Interest rates for certificates of deposit, or CDs, have reached as high as a 7.19% APY as ...High yield funds. Given the risk of uncertainty of picking a few high yield stocks, some investors then seek out high yield funds instead. On the surface, this makes total sense. It takes away the risk of picking your own stocks, outsources the effort and offers some diversification. There are simply too many funds to cover.See also: 6 Best Online Savings Accounts with High Yield. 3. Certificates of Deposit (CDs) Certificates of deposits (CDs) are a great low-risk, long-term investment option. A CD account is ...Aug 11, 2023 · High-Yield Bond: A high-yield bond is a high paying bond with a lower credit rating than investment-grade corporate bonds , Treasury bonds and municipal bonds . Because of the higher risk of ... Built to deliver easy access to high-performance investment products for individual investors. Strong track record of superior returns since 2018. No negative annual results up-to-date. Powered and operated by Mutual Fund from Cayman Islands. Cayman Islands is one of the most reputable and well-known jurisdictions for asset management companies ...High-yield investments work by attracting investors looking to make a higher rate of return on their investment. Opportunities are generally fixed-income instruments or plans. And as noted, investors sometimes, depending on the investment type, need to be willing to assume a higher risk in order to enjoy the potential for a higher …For all your short-term money needs, these are the five best investment vehicles: High-yield savings accounts. CDs. Money market accounts. Government bonds. Treasury bills.Like high-yield savings accounts, money market accounts have ongoing access to funds, while CDs don’t. Among savings accounts, CD rates are traditionally the highest, then money market accounts ...Aug 18, 2023 · It produced a record-breaking 323,000 barrels of oil per day last quarter, turning it into revenue of over $3.4 billion and a net income of $690 million, or $1.07 per share. That was more than ... 3 Paying Your Existing Debt Is the Best Way to Invest 20 000 Short Term! 4 High-Yield Online Savings Accounts Are Probably Better than What You Use Now; 5 Certificates of Deposit Aren’t Short-Term High Yield Investments, But They Keep on Ticking; 6 Money Market Mutual Funds: A Solid Option for Investing a Few $10,000sMarket value: $3.9 billion. Dividend yield: 5.2%. Highwood Properties ( HIW, $37.20) is an office REIT with an unusual twist; it owns and acquires properties in the best business districts of fast ...Like a hot baseball team, Forbes Advisor’s list of the 10 best mutual funds has strength up the middle, among core fund options. Our list also has sizzle, powered by funds that are poised to ...Best for High-Yield Online Savings Accounts. 4.60%. SoFi members with Direct Deposit or $5,000 or more in Qualifying Deposits during the 30-Day Evaluation Period can earn 4.60% annual percentage ...Hi yield investments

2. SPDR Bloomberg Barclays High-Yield Bond (JNK) Another highly traded ETF that invests in high-yield bonds is JNK, which had an SEC Yield of 3.79% as of May 2021 and an expense ratio of 0.40%. As the ticker symbol suggests, JNK invests in bonds with credit quality below investment grade.. Hi yield investments

hi yield investments

Of the market’s high yield stocks, EPR Properties’ 8.19% dividend yield not only looks sustainable, but may even have room to grow. As a real estate investment trust which invests in experimental real estate, EPR Properties’ portfolio consists primarily of entertainment venues like theme parks, music theaters, movie theaters, restaurants ...Bonds can trade at a premium or discount to the face or maturity value. Once a bond is issued, it pays a fixed amount of interest, called the coupon rate. Premium and discount prices are how the bond market adjusts current bond yields to th...A high-yield savings account is a type of savings account that can pay up to 10 to 12 times the national average of a standard savings account. Traditionally, people have held a savings account at ...Nov 16, 2023 · Low-risk investments carry a reasonable expectation that you may break even or incur a small loss. On the flip side, higher-risk investments can offer much better returns. Finding low risk, high yield investments is a tall order. That’s why we’ve come up with a list of 20 safe investments with high returns. Global High Yield. A disciplined credit process led by one of the largest dedicated global non-investment grade credit teams located across 3 continents.Investor Class Shares: Minimum initial investment is $1,000 for IRA and CESA accounts, and $2,500 for non-retirement accounts, but these minimums are waived ...On the date shown, high-yield (speculative grade) bonds as a class yielded 3.38 percentage points more than investment grade bonds. That difference is known as the spread.It is usually expressed ...Aug 18, 2023 · It produced a record-breaking 323,000 barrels of oil per day last quarter, turning it into revenue of over $3.4 billion and a net income of $690 million, or $1.07 per share. That was more than ... Like a hot baseball team, Forbes Advisor’s list of the 10 best mutual funds has strength up the middle, among core fund options. Our list also has sizzle, powered by funds that are poised to ...Built to deliver easy access to high-performance investment products for individual investors. Strong track record of superior returns since 2018. No negative annual results up-to-date. Powered and operated by Mutual Fund from Cayman Islands. Cayman Islands is one of the most reputable and well-known jurisdictions for asset management companies ...The risk/return profile of a very high-yield bond, also called a junk bond can be significantly higher. Corporate bonds are ideal for investors seeking a fixed-income instrument with greater yields than government bonds and ready to assume a little bit more risk in exchange. Learn more about Bonds. Things to consider before you invest money …26. 9. 2023. ... Key Takeaways ... Investors looking to add bonds to their portfolios face a trade-off: The safest government bonds typically pay very low yields, ...17 Best High-Yield Investments in 2023. Let’s get to it! These are some of the best high-yield investments out there right now. You’ll find options suitable for just …My Banking Direct - Best Regional Bank for High-Yield Savings Accounts (5.35% APY) Varo - Best High-Yield Savings Account and Checking Combination (5.00% on up to $5,000; additional balance earns 3.00% APY) BrioDirect - Best High-Yield Account for Serious Savers (5.35% APY) Ad.Potatoes are a popular and versatile vegetable that can be used in a variety of dishes. They are easy to grow and can provide a high yield if planted correctly. Here are some tips on how to plant and grow potatoes for maximum yield.29. 1. 2022. ... 5 High-Return Investments to Increase Your Wealth · 1. Cryptocurrency. Cryptoassets are considered extremely risky, though there is the ...HYIP websites make it possible to earn from 1% per week and up to 100% per day and more. These large varieties of investment plans, designs, conditions and terms plunge into shock both novices and experienced investors. HYIP ZANOZA is a hyip monitor or a global system for collecting various statistics on high yield investment programs.Feb 2, 2023 · A high-yield savings account offers high rates and is a safe place to keep your cash; ... An S&P 500 ETF attempts to provide investment results corresponding to the yield of the S&P 500, a listing ... High-Yield Investment Programs. The Internet is awash in so-called “high-yield investment programs” or “HYIPs.”. These are unregistered investments typically run by unlicensed individuals – and they are often frauds. The hallmark of an HYIP scam is the promise of incredible returns at little or no risk to the investor. A HYIP website ...The fund is intended for the growth-oriented investor seeking returns higher than those from capital-market interest rates, with capital growth generated ...Investing and retirement calculators Retirement calculator 401(k) ... For high-yield savings accounts, a minimum of $100 is required and must be deposited in a single transaction. For high-yield ...A high-yield investment program (HYIP) is an unregistered investment vehicle that promises significantly higher returns with little or no risk. They are typically run by unlicensed individuals and are scams, taking money from new investors to pay existing investors. HYIP can also be referred to as a prime bank scam because scammers may tell ...Dividend Yield. 7.47%. At current levels, Vector Group stock pays a healthy 7.7% annualized yield, and its shares trade at a mere 9 times projected earnings. The company's payout ratio is on the ...This varied list of high yield bond mutual funds delivers impressive cash flow, moderate price volatility and broad diversification. Investors seeking cash flow and potential capital...Sources: interactive investor and Morningstar. 12-month yield date for all investment trusts 31 December 2022. ... This bond portfolio i nvests in high-yielding asset-backed securities, including mortgages and credit card debt. The end result is an eye-catching yield of 7.4%.High-Yield Bonds: High-yield bonds usually offer extremely high returns to investors in exchange for the potential loss of the entire investment. Many high-yield …Aug 30, 2022 · 7. High-Yield Bonds . Whether issued by a foreign government or a high-debt company, high-yield bonds can offer investors outrageous returns in exchange for the potential loss of principal. These ... This makes it a good investment for long-term investors. 8. High-Dividend Stocks and Preferred Stocks. Stocks are high-risk but can be one of the best high-yield investments if you have the risk tolerance. The two best types of stocks for high yields are high-dividend and preferred stocks.Like a hot baseball team, Forbes Advisor’s list of the 10 best mutual funds has strength up the middle, among core fund options. Our list also has sizzle, powered by funds that are poised to ...The fund mainly invests in investment-grade credit, securitized debt, and U.S. Treasuries but can also venture into high-yield bonds, non-U.S. debt, and foreign currencies, he writes. The $11.9 ...One of the differences is that the UFB High Yield Savings account, which has ATM access, doesn’t have a monthly service fee. The UFB High Yield Money Market account has a $10 monthly maintenance ...A High Yield Investment Program (HYIP) is a type of investment arrangement characterized by exceptionally high and often unrealistic returns within a short ...Here are seven of the best high-yield bond funds to buy now: Bond Fund. Expense ratio. iShares iBoxx $ High Yield Corporate Bond ETF (ticker: HYG) 0.49%. …Ivy Bank’s High-Yield Savings account offers a highly competitive 5.3% APY, and the bank guarantees you’ll earn that yield through June 2024. But, in addition to a fairly steep $2,500 opening ...When you’re looking at government bonds, finding those with the highest yield potential is a common goal. A higher yield allows you to earn more from your investment, making it potentially a better choice for earnings-oriented investors.Ivy Bank’s High-Yield Savings account offers a highly competitive 5.3% APY, and the bank guarantees you’ll earn that yield through June 2024. But, in addition to a fairly steep $2,500 opening ...Dec 1, 2023 · Here are a few of the best short-term investments to consider that still offer you some return. 1. High-yield savings accounts. Overview: A high-yield savings account at a bank or credit union is ... Over the same period in the investment-grade markets, the average EBITDA has oscillated between $1.5 billion and $2 billion, excluding the extreme examples of ...Oct 24, 2023 · iShares iBoxx $ High Yield Corporate Bond ETF (HYG) This iShares ETF is one of the most popular high-yield bond ETFs and aims to track the investment performance of an index made up of U.S. high ... Like high-yield savings accounts, money market accounts have ongoing access to funds, while CDs don’t. Among savings accounts, CD rates are traditionally the highest, then money market accounts ...In the competitive world of restaurant ownership, it’s crucial for entrepreneurs to make smart marketing investments that yield a high return on investment (ROI). One effective strategy that can help restaurant owners boost their business i...2. SPDR Bloomberg Barclays High-Yield Bond (JNK) Another highly traded ETF that invests in high-yield bonds is JNK, which had an SEC Yield of 3.79% as of May 2021 and an expense ratio of 0.40%. As the ticker symbol suggests, JNK invests in bonds with credit quality below investment grade.Still, TIPS are an excellent low-risk, high-yield investment during times of rising inflation—like now. 2. I Bonds. If you’re looking for a true low-risk, high-yield investment, look no further than Series I bonds. With the current surge in inflation, these bonds have become incredibly popular, though they are limited.Online Saver Accounts. An online saver account is one that pays you a high interest each month simply for having your money in the account, usually with no monthly or annual fees. Often these ...Purchasing certificates of deposit (CDs), along with the process of laddering them, have historically been investment strategies favored by people who are on the lookout for lower-risk investing opportunities that can help them earn income ...Sources: interactive investor and Morningstar. 12-month yield date for all investment trusts 31 December 2022. ... This bond portfolio i nvests in high-yielding asset-backed securities, including mortgages and credit card debt. The end result is an eye-catching yield of 7.4%.Today’s most generous high-yield savings accounts pay interest rates of 5% to 6%. That’s up from less than 1% in early 2022, before the Federal Reserve began …1. Bank Products. Perhaps the most popular and common of all investments, bank products come in different options. The money you deposited are federally insured to up to a certain limit and can be easily withdrawn. Some examples are savings accounts, certificates of deposit (CDs), money market, and federal insurance.. Dnp select