{"id":45178,"date":"2023-08-06T15:39:49","date_gmt":"2023-08-06T19:39:49","guid":{"rendered":"https:\/\/ifintechworld.com\/markets\/3-preferred-stock-funds-yielding-up-to-9-4\/"},"modified":"2023-08-06T15:39:51","modified_gmt":"2023-08-06T19:39:51","slug":"3-preferred-stock-funds-yielding-up-to-9-4","status":"publish","type":"post","link":"https:\/\/ifintechworld.com\/?p=45178","title":{"rendered":"3 Preferred Stock Funds Yielding Up To 9.4%"},"content":{"rendered":"<div>\n<p>Is there still a chance to buy the bank dip? You bet\u2014with nifty yields up to 9.4%!<\/p>\n<p>We\u2019re going to avoid the regional lenders, which pains me to say because I love banking with the small guys. But I\u2019m not looking to own them as the economy slows down.<\/p>\n<p>No, nothing personal, but I\u2019ll take the banking behemoths. None of them yield 9.4%, of course, but we engineer these payouts easily via their <em>preferred<\/em> dividends.<\/p>\n<p>Preferred stocks are often referred to as stock-bond \u201chybrids\u201d given that they share some characteristics of each asset. A quick breakdown:<\/p>\n<ul>\n<li>They represent ownership in a company (like a stock)<\/li>\n<li>They typically don\u2019t offer voting rights (like a bond)<\/li>\n<li>They pay dividends (like a stock)<\/li>\n<li>Their dividends are typically fixed at a certain level (like a bond)<\/li>\n<li>They can rise and decline based on the performance of the underlying company (like a stock)<\/li>\n<li>But they tend to be much more stable, trading around a \u201cpar value\u201d like a bond)<\/li>\n<\/ul>\n<p>Most noteworthy, for income fanatics like you and I, is that their dividends are plump. It\u2019s pretty common for preferreds to yield in the 6%-75% range, and it\u2019s not hard to find preferreds that dole out even more.<\/p>\n<p><fbs-ad position=\"inread\" progressive=\"\" ad-id=\"article-0-inread\" aria-hidden=\"true\" role=\"presentation\"><\/fbs-ad><\/p>\n<p>So, wait. What does this all have to do with banks?<\/p>\n<p>While companies from many sectors issue preferred stocks, they\u2019re most prevalent in the financial sector. Most preferred funds are at least 50% invested in the preferred stock of banks, insurers and other financial firms. And typically, the yields you can get on their preferreds is much, much larger than you can get from their common shares.<\/p>\n<p><strong>Citigroup (C)<\/strong> is a great example. Citigroup kneecapped its dividend during the Great Recession, then started rebuilding its payout in 2015. At 53 cents per share, it\u2019s just 1 cent off of its pre-Great Recession dividend\u2014if you don\u2019t account for its 1-for-10 reverse stock split in 2011, of course. Nonetheless, the yield has improved to a range typically between 2% and 5%.<\/p>\n<p>So, you could invest in Citigroup that way\u2014buying its common shares and collecting 4% in yield, while owning shares that have largely underperformed the sector for years.<\/p>\n<p>Or we could buy its Series J preferreds, which aren\u2019t nearly as volatile, and earn a fat 7% instead.<\/p>\n<p>Sure, the upside is relatively capped given that preferreds trade around a par value. But that also means you\u2019re not taking on all the risk of Citigroup\u2019s common shares, and you\u2019re collecting nearly twice the yield all the while.<\/p>\n<p><em>But I\u2019m not recommending you go out and buy Citigroup\u2019s preferreds.<\/em><\/p>\n<p>Individual preferreds are difficult for most retail investors to research, and they\u2019re frankly more difficult to buy, <em>period<\/em>. I think they\u2019re best bought in fund form, where you can get some instant diversification as well.<\/p>\n<p>Just don\u2019t bother with ETFs. Closed-end funds (CEFs) allow us to buy preferreds collectively at greater discounts than if we had bought them individually, and we get the added benefit of active managers who specialize in this kind of asset.<\/p>\n<p>To give you an idea of what I mean, I\u2019m going to show you three popular preferred ETFs\u2014responsible for billions of dollars of \u201cdumb money\u201d assets. Then I\u2019ll tell you what CEFs we should replace them with\u2014three funds yielding between 7.6% and 9.4% right now!<\/p>\n<p><strong>VANILLA ETF:<\/strong> <strong>iShares Preferred &amp; Income Securities ETF (PFF)<\/strong><\/p>\n<p><strong>Yield: <\/strong>6.2%<\/p>\n<p>The <strong>iShares Preferred &amp; Income Securities ETF (PFF)<\/strong> is the default plain-vanilla preferred ETF. It came to life in 2007, and has since amassed more than $13 billion in assets, making it the largest preferred fund by a mile.<\/p>\n<p>PFF invests in more than 460 U.S. preferreds, more than 70% of which come from financial-sector names such as <strong>Wells Fargo (WFC)<\/strong> and <strong>Bank of America (BAC)<\/strong>. It also has a relatively low credit quality\u2014just more than half of assets are investment-grade\u2014but one of the highest yields among preferred ETFs.<\/p>\n<p><strong>CONTRARIAN PLAY: JHancock Preferred Income (HPI)<\/strong><\/p>\n<p><strong>Distribution Rate: <\/strong>9.4%<\/p>\n<p>The <strong>John Hancock Preferred Income Fund (HPI)<\/strong> is plenty established itself, having traded in preferreds since 2002.<\/p>\n<p>But it doesn\u2019t always trade in preferreds. Its 131 holdings include preferred and preferred convertible securities, yes, but it also has the option of holding U.S. government agency bonds, corporate bonds, foreign bonds, and both domestic and international stocks.<\/p>\n<p>HPI management doesn\u2019t just sit on this flexibility\u2014it <em>uses<\/em> it.<\/p>\n<p>Consider this: Over the past decade, HPI\u2019s portfolio has included up to 98% preferreds. Today, that allocation is just 56%\u2014the majority of it banks and other financials\u2014while corporate bonds make up nearly 40% of assets.<\/p>\n<p>HPI\u2019s management also has another tool at its disposal: leverage. And it\u2019s similarly aggressive with it, amplifying its holdings with nearly 40% in debt leverage at the moment.<\/p>\n<p>While that results in a much more volatile portfolio of preferreds, it also enables HPI to pay out a 9%-plus yield. It\u2019s also a more productive portfolio\u2014one that has more than doubled up PFF since its inception in 2007.<\/p>\n<p><strong>VANILLA ETF:<\/strong> <strong>Global X U.S. Preferred ETF (PFFD)<\/strong><\/p>\n<p><strong>Yield: <\/strong>6.6%<\/p>\n<p>The <strong>Global X U.S. Preferred ETF (PFFD)<\/strong> isn\u2019t in the top-three of preferred ETFs, but it\u2019s still a respectable fund with more than $2 billion in assets. It\u2019s a portfolio of U.S. preferreds that\u2019s little different than the rest\u2014fat in preferreds (70%), with lighter exposure to other sectors, such as utilities (11%) and communication services (7%).<\/p>\n<p>This is also a high-quality portfolio\u2014one with nearly 65% exposure to investment-grade bonds.<\/p>\n<p><strong>CONTRARIAN PLAY: Nuveen Preferred &amp; Income Opportunities Fund (JPC)<\/strong><\/p>\n<p><strong>Distribution Rate:<\/strong> 8.1%<\/p>\n<p>The<strong> Nuveen Preferred &amp; Income Opportunities (JPC)<\/strong> delivers an 8%-plus yield through a basket of fairly high-quality preferreds.<\/p>\n<p>Nearly two-thirds of JPC\u2019s 231-stock portfolio are investment-grade, including 6% exposure to A-rated preferreds. BBs are another 27%, leaving just a peppering of B-rated and unrated issues. And following the theme of preferred funds loving banks, financial preferreds represent more than three-quarters of assets.<\/p>\n<p>JPC has a great deal of international exposure, with ex-U.S. preferreds making up nearly 40% of the fund. Indeed, JPC is a very global CEF, with positions including the likes of <strong>HSBC (HSBC)<\/strong>, <strong>Lloyds Banking Group (LYG)<\/strong> and <strong>Barclays (BCS)<\/strong>. And like the other preferred CEFs on this list, it uses a high amount of debt leverage (37%).<\/p>\n<p>The Nuveen CEF is a longtime outperformer since it came to life in 2003. But rocketing interest rates have yanked the fund lower\u2014not just because of what they did to preferred-stock prices, but also because they raised the expenses of that debt leverage.<\/p>\n<p><strong>VANILLA ETF:<\/strong> <strong>First Trust Preferred Securities and Income ETF (FPE)<\/strong><\/p>\n<p><strong>Yield: <\/strong>5.7%<\/p>\n<p>The <strong>First Trust Preferred Securities &amp; Income ETF (FPE)<\/strong> is a fairly large preferred ETF at $5.6 billion in assets. It has a robust portfolio of more than 280 preferreds, about two-thirds of which are investment-grade in nature. Three-quarters of holdings are financial-sector stocks; energy stocks are the only other meaningful chunk at about 8%.<\/p>\n<p>First Trust\u2019s ETF is a big outlier in that only about half of its portfolio is U.S.-based. The rest is international, boasting preferreds from the U.K. (11%), Canada (10%), Bermuda (6%) and more. Also, FPE is a rarity in that it\u2019s an actively managed preferred portfolio\u2014and as you\u2019d expect, you lose a lot of that low-fee edge you get from index preferred ETFs.<\/p>\n<p><strong>CONTRARIAN PLAY: Flaherty &amp; Crumrine Preferred Securities (FFC)<\/strong><\/p>\n<p><strong>Distribution Rate:<\/strong> 7.6%<\/p>\n<p><strong>Flaherty &amp; Crumrine Preferred Securities (FFC)<\/strong> is on the lower end of preferred CEF yields, and even it easily bests all of the preferred ETFs on this list.<\/p>\n<p>Flaherty &amp; Crumrine\u2019s closed-end fund is as tilted toward the finance sector as they come. More than 80% of the portfolio comes from banks, including a 23% slug in insurance companies. That\u2019s a nice mix, as insurers invest their float\u2014or the premiums customers pay\u2014in safe fixed-income securities. But they don\u2019t have the same liquidity issues some banks can run across if customers decide to withdraw all at once.<\/p>\n<p>FFC hedges us from that risk in another way, too, with preferreds from big players like Citigroup, Wells Fargo and <strong>Morgan Stanley (MS)<\/strong> making up the bulk of bank issues in its top 10 holdings.<\/p>\n<p>FFC also has a global tilt. A little more than a quarter of the portfolio is invested in international preferreds, from countries including the U.K. (7%), France (6%) and Canada (3%).<\/p>\n<p>A big difference here is credit quality; less than half of FFC\u2019s portfolio is investment-grade in nature. But it can rev up its yield with nearly 40% debt leverage, much like HPI.<\/p>\n<p>The result, over the past decade, has been a roller-coaster performance\u2014one where the difference between outperformance and underperformance is stark, and largely determined by your entry point.<\/p>\n<p><em>Brett Owens is chief investment strategist for <\/em><em data-ga-track=\"ExternalLink:https:\/\/contrarianoutlook.com\/free-monthly-dividend-report-offers\/forbessig?source=MNTHLYFSIGCOREG=&amp;utm_source=forbes&amp;utm_medium=cpc&amp;utm_campaign=signature\">Contrarian Outlook<\/em><em>. For more great income ideas, get your free copy his latest special report: <\/em>Your Early Retirement Portfolio: Huge Dividends\u2014Every Month\u2014Forever.<\/p>\n<p><em>Disclosure: none<\/em><\/p>\n<\/div>\n<p>Read the full article <a href=\"https:\/\/www.forbes.com\/sites\/brettowens\/2023\/08\/06\/3-preferred-stock-funds-yielding-up-to-94\/\" target=\"_blank\" rel=\"noopener\">here<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Is there still a chance to buy the bank dip? You bet\u2014with nifty yields up to 9.4%! We\u2019re going to avoid the regional lenders, which pains me to say because I love banking with the small guys. But I\u2019m not looking to own them as the economy slows down. No, nothing personal, but I\u2019ll take [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":45179,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[241],"tags":[83],"class_list":["post-45178","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-markets","tag-featured"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>3 Preferred Stock Funds Yielding Up To 9.4% | iFintechWorld<\/title>\n<meta name=\"description\" content=\"Is there still a chance to buy the bank dip? You bet\u2014with nifty yields up to 9.4%! 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