Sectors that are likely to NOT give you an earnings fright Part 2

I've forgotten to add the following sector:

1. Banking / Finance. with the financial aid package which allows SMEs, private individuals to delay paying their loans, banks will likely get hit the hardest. The buck literally stops with banks. Their NPLs may shoot up in the short term and bankruptcies mount. Even with government aid, many highly leveraged companies may go bankrupt. 

Banking: short term -8, longer term 0. Disintermediation of banks will continue even after this pandemic. 

2. Insurance. Insurance premium payments may stop temporarily but insurance companies can allow the surrender values of the policies to be impacted short term without hitting the P&L. But there may be an increase in death payouts. 

Short term -2, longer term +2. 

Have I missed out any sectors?

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