Top Income Companies To Own In Right Now

If the idea of tax-free growth throughout your lifetime sounds attractive to you, then using a Roth 401k could be one of the most valuable parts of your retirement savings strategy. But given all the other choices you have with the money you're setting aside for retirement, figuring out when a Roth 401(k) is your best option can be complicated.

Whenever you have to consider tax issues in your investing, things can get complex in a hurry. But when you step back and consider the basics of the Roth 401(k) and how it works, there are some simpler guidelines you can use to decide whether the plans are right for you.

The basics of the Roth 401(k)
Most Americans are familiar with the traditional 401(k), in which you're allowed to put money into an employer-sponsored retirement account on a pre-tax basis. By contributing to a regular 401(k), you're able to reduce your current-year taxable income, giving you an immediate reduction in the amount of tax you pay. With contribution limits this year of $17,500 for those under age 50 and $23,000 for those 50 or older, the tax savings from using a traditional 401(k) can amount to thousands of dollars.

Best Consumer Service Stocks To Own Right Now: Marsh & McLennan Companies Inc. (MMC)

Marsh & McLennan Companies, Inc., a professional services company, provides advice and solutions in the areas of risk, strategy, and human capital. It operates in two segments, Risk and Insurance Services, and Consulting. The Risk and Insurance Services segment provides risk management and insurance broking, reinsurance broking, and insurance program management services for businesses, public entities, insurance companies, associations, professional services organizations, and private clients. The Consulting segment offers advice and services to the managements of organizations in the area of human resource consulting, comprising retirement and investments, health and benefits, outsourcing and talent; and strategy and risk management consulting, such as management, economic, and brand consulting. The company also provides investment consulting services for endowments and foundations in the United States; health and benefit recordkeeping, and employee enrollment technology; human resource knowledge, data, and solutions for professionals in various industries; and Medicaid policy consulting services. It principally serves customers in the United States, the United Kingdom, the Asia Pacific, and Continental Europe. Marsh & McLennan Companies, Inc. was founded in 1871 and is headquartered in New York, New York.

Advisors' Opinion:

• [By Reuters]

  Wendy Maeda/The Boston Globe via Getty Images NEW YORK -- Walgreen is moving 120,000 employees to a private health insurance exchange from coverage provided directly from carriers, the company will announce Wednesday. The pharmacy chain will join 17 other large employers on the Aon Hewitt Corporate Health Exchange as part of a growing movement to offer employees fixed dollar amounts to purchase their own plans on such exchanges. The end-cost to employees depends on the plan chosen, but they typically get more options than under traditional arrangements. Private exchanges mimic the coverage mandated as part of the Affordable Care Act. Enrollment in the public exchanges starts Oct. 1. "What happens to employer contributions over time? Will they put in as much as they put in the past? These are unanswered questions but potential negatives," says Paul Fronstin, a senior research associate with the Employee Benefit Research Institute. The benefit to Walgreen and other employers is unknown at this point, as their cost-savings aren't clear. Of the 180,000 Walgreen (WAG) employees eligible for health care insurance, 120,000 opted for coverage for themselves and 40,000 family members. Another 60,000 employees, many of them working part-time, weren't eligible for health insurance. Aon Hewitt (AON) says other participants in its program include retailer Sears Holding (SHLD) and Darden Restaurants (DRI). These new additions raise enrollment to 330,000 from 100,000 last year, and Aon Hewitt estimates enrollment will jump to 600,000 next year, a fivefold increase from 2012. By 2017, nearly 20 percent of employees nationwide could get their health insurance through a private exchange, according to Accenture Research (ACN). A recent report by the National Business Group on Health said that 30 percent of large employers are considering moving active employees to exchanges by 2015. Other major providers of private exchanges include Mercer, a division of Marsh & Mc

• [By Keith Speights]

  Flourishing
  While the federal Obamacare exchanges flail, private health insurance exchanges are flourishing. For example,�Mercer, a subsidiary of Marsh & McLennan Companies (NYSE: MMC  ) ,�announced in April that several large insurers -- including Aetna, Cigna, Humana, and UnitedHealthcare -- would be part of its Mercer Marketplace private exchange. Mercer Marketplace allows employers to contribute a defined amount for its employees to use on health coverage. Employees use the system to shop around for the insurance plans that best meet their needs.

• [By Christina Rexrode]

  Marsh & McLennan Cos Inc. (MMC) and MetLife Inc. (MET) have been rising since those companies reported earnings earlier this week.

Top Income Companies To Own In Right Now: Wave Systems Corp.(WAVX)

Wave Systems Corp. develops, produces, and markets products for hardware-based digital security. Its products are based on the Trusted Platform Module (TPM), a hardware security chip that enables secure protection of files and other digital secrets, and performs critical security functions. The company offers EMBedded Application Security SYstem (EMBASSY) Trust Suite, a set of applications and services that are designed to bring functionality and user value to TPM enabled products. The EMBASSY Trust Suite includes the EMBASSY Security Center, Trusted Drive Manager, Document Manager, Private Information Manager, and Key Transfer Manager. It also offers middleware and tools, which include Trusted Computing Group (TCG) enabled toolkit that assists application developers in writing new applications or modifying existing ones to function on TCG-compliant platforms; and Wave TCG-Enabled Cryptographic Service Provider, which allows software developers to utilize the security of a TCG standards-based platform. In addition, the company offers EMBASSY Trust Server Applications comprising EMBASSY Key Management Server, a server application designed to provide corporate-level backup and transition of the TPM keys; EMBASSY Authentication Server that offers centralized management, provisioning, and enforcement of multifactor domain access policies; and EMBASSY Remote Administration Server, which provides centralized management and auditing of TPMs and self-encrypting drives. Further, it offers eSign Transaction Management Suite and broadband media distribution services. Wave Systems Corp. sells its products to chip original equipment manufacturers (OEMs), PC OEMs, enterprise customers, and systems integrators. The company was formerly known as Cryptologics International, Inc. and changed its name to Wave Systems Corp. in January 1993. Wave Systems Corp. was founded in 1988 and is based in Lee, Massachusetts.

Advisors' Opinion:

• [By Bryan Murphy]

  Looking for a quick trade? Don't put Wave Systems Corp. (NASDAQ:WAVX) in your portfolio just yet, but do put WAVX on your watchlist. It's on the verge of becoming a breakout monster.

• [By Bryan Murphy]

  Well, it didn't even come close to unfurling the way I thought it was going to when I first suggested it back on March 5th. I suppose there's more than one way to skin a cat though. What I'm talking about is a breakout from Wave Systems Corp. (NASDAQ:WAVX). While it took a round-about way of getting into a groove, WAVX has indeed worked its way into a bullish mode, and now that it has, it could roll for a while.

Top Income Companies To Own In Right Now: The KEYW Holding Corporation(KEYW)

The KEYW Holding Corporation, through its subsidiaries, provides mission-critical cybersecurity and cyber superiority solutions to defense, intelligence, and national security agencies in the United States. Its solutions, services, and products support the collection, processing, analysis, and use of intelligence data and information in the domain of cyberspace. The company offers engineering services and solutions to solve discreet and complex cybersecurity, cyber superiority, and intelligence challenges; and specialized training, field support, and test and evaluation services. The KEYW Holding Corporation is also involved in collecting data and information in cyberspace encompassing the entire electromagnetic spectrum; processing data and information from cyberspace to make it accessible to a range of analytical needs and resources; analyzing data and information that is collected, processed, correlated, and made accessible to transform them into usable information for its customers. In addition, it impacts or creates integrated intelligence data and information, which is used in observing, preventing, and responding to known and emerging threat events, actions, and agents in a real time. Further, the company engages in the development, integration, deployment, and sustainment of agile airborne intelligence, surveillance, and reconnaissance collection platforms to austere environments. Additionally, it develops and sells hardware products to create intelligence insight and capture information that help identify, locate, and monitor activity to its intelligence agency customers. The KEYW Holding Corporation is headquartered in Hanover, Maryland.

Advisors' Opinion:

• [By Ben Levisohn]

  Stallard sees KEYW Holding (KEYW) and Textron (TXT) potentially missing earnings, while Honeywell (HON),� Alliant Techsystems (ATK),�Lockheed Martin (LMT),�Raytheon (RTN) and�Wesco Aircraft (WAIR) could beat.

• [By Roberto Pedone]

   

  KEYW Holding (KEYW), through its subsidiaries, provides mission-critical cybersecurity, cyber superiority, and geospatial intelligence solutions to the U.S. Government defense, intelligence, and national security agencies, and commercial enterprises. This stock closed up 5.5% to $10.70 in Monday's trading session.

   

  Monday's Volume: 1.27 million
  
  Three-Month Average Volume: 601,773
  
  Volume % Change: 108%

   

  From a technical perspective, KEYW ripped higher here right off its recent low of $9.98 with above-average volume. This stock has been downtrending badly for the last two months and change, with shares sliding lower from its high of $23.09 to its recent 52-week low of $9.98. During that downtrend, shares of KEYW have been consistently making lower highs and lower lows, which is bearish technical price action. That said, shares of KEYW are now starting to rebound off its 52-week low of $9.98 with strong upside volume flows. This move could be signaling a trend change is in the cards for KEYW in the short-term.

   

  Traders should now look for long-biased trades in KEYW as long as it's trending above Monday's low of $10.31 or above its 52-week low of $9.98 and then once it sustains a move or close above Monday's high of $11.15 to some more near-term overhead resistance at $11.50 with volume that hits near or above 601,773 shares. If that move kicks off soon, then KEYW will set up to re-test or possibly take out its next major overhead resistance levels at $13.35 to its 200-day moving average of $14.37.

   

• [By Seth Jayson]

  Calling all cash flows
  When you are trying to buy the market's best stocks, it's worth checking up on your companies' free cash flow once a quarter or so, to see whether it bears any relationship to the net income in the headlines. That's what we do with this series. Today, we're checking in on KEYW Holding (Nasdaq: KEYW  ) , whose recent revenue and earnings are plotted below.

• [By Seth Jayson]

  KEYW Holding (Nasdaq: KEYW  ) reported earnings on April 30. Here are the numbers you need to know.

  The 10-second takeaway
  For the quarter ended March 31 (Q1), KEYW Holding beat expectations on revenues and missed expectations on earnings per share.

Top Income Companies To Own In Right Now: First Trust Health Care AlphaDEX Fund (FXH)

First Trust Health Care AlphaDEX Fund (the Fund) is an exchange-traded fund. The Fund seeks investment results that correspond generally to the price and yield of an equity index called the StrataQuant Health Care Index (the Index). The Index is an enhanced index created and administered by the AMEX, which employs the AlphaDEX stock selection methodology to select stocks from the Russell 1000 Index. The AMEX constructs the Index by ranking the stocks, which are members of the Russell 1000 Index on growth factors, including 3, 6 and 12-month price appreciation, sales to price and one-year sales growth, and separately on value factors, including book value to price, cash flow to price and return on assets. The selected stocks are divided into quintiles based on their rankings and the top ranked quintiles receive a higher weight within the Index. The Index is reconstituted and rebalanced quarterly. The Fund�� investment advisor is First Trust Advisors L.P. Advisors' Opinion:

• [By MONEYMORNING.COM]

  That's why investors would do well to take a good look at First Trust Health Care AlphaDEX (NYSE: FXH) ("First Trust Healthcare"). This investment gives us access to several sectors within the overall healthcare field. These include pharmaceuticals, life sciences tools, medical equipment and services, as well as biotech and healthcare providers.

• [By David Fabian]

  Another interesting ETF that treads the line between passive and active investing in the healthcare field is the First Trust Health Care AlphaDEX Fund (FXH). This ETF is a smart beta strategy that screens healthcare stocks for book value, cash flow, and return on assets.

Top Income Companies To Own In Right Now: ProShares Short QQQ (PSQ)

ProShares Short QQQ is focused on daily investment results that correspond to the inverse (opposite) of the daily performance of the NASDAQ-100 Index. The NASDAQ-100 Index represents non-financial domestic and international issues listed on The NASDAQ Stock Market. The Fund takes positions in financial instruments (including derivatives) that in combination should have similar daily return characteristics as the inverse of the NASDAQ-100 Index. ProShares Short QQQ will not directly sell short the equity securities of issuers contained in the NASDAQ-100 Index. The Fund will concentrates its investments in a particular industry or group of industries to approximately the same extent as the Index is so concentrated. ProShare Advisors LLC serves as the investment advisor to the Fund. Advisors' Opinion:

• [By MONEYMORNING.COM]

  It's the ProShares Short QQQ (NYSE: PSQ). The good thing about this type of inverse ETF is that it pays you when the Nasdaq drops roughly on a 1-to-1 basis. For every percentage point the index goes down, PSQ rises by that amount.

Top Income Companies To Own In Right Now: Spectrum Pharmaceuticals Inc.(SPPI)

Spectrum Pharmaceuticals, Inc., a commercial-stage biotechnology company, primarily focuses on oncology and hematology. The company engages in acquiring, developing, and commercializing a broad and diverse pipeline of late-stage clinical and commercial products. It markets Zevalin, a prescribed form of cancer therapy, radioimmunotherapy; and Fusilev, a novel folate analog formulation and the pharmacologically active isomer of the racemic compound, calcium leucovorin. The company?s drugs in late stage development include Apaziquone, an anti-cancer agent; and Belinostat, a histone deacytelase inhibitor. Its drugs in development also include Ozarelix a luteinizing hormone releasing hormone antagonist, which is in Phase II clinical stage; SPI-1620, a peptide agonist of endothelin B receptors, which is in Phase I clinical stage; and RenaZorb, a lanthanum-based nanoparticle phosphate binding agent, which is in preclinical stage. The company was formerly known as NeoTherapeutics, Inc. and changed its name to Spectrum Pharmaceuticals, Inc. in December 2002. Spectrum Pharmaceuticals, Inc. was founded in 1987 and is based in Henderson, Nevada.

Advisors' Opinion:

• [By Keith Speights]

  Another prime case study for this comes from Spectrum Pharmaceuticals (NASDAQ: SPPI  ) . Spectrum's stock more than doubled from October 2011 through July 2012. However, shares plunged 55% from those highs because business dynamics changed since then. A shortage of a generic rival to Spectrum's lead drug Fusilev was alleviated, resulting in sales slowing down considerably.�

• [By Keith Speights]

  Biotech stocks are highly volatile. A good example of this is Spectrum Pharmaceuticals (NASDAQ: SPPI  ) . Spectrum rode a wave of generic leucovorin shortages in late 2010 and early 2011 to stock gains of more than 170%. Shares then plunged more than 30% from July through September 2011. But the ride wasn't over yet.

• [By Ben Levisohn]

  Spectrum Pharmaceuticals (SPPI) has risen 4.7% to $9.30 after being granted accelerated approval for its lymphoma drug.

  SeaWorld Entertainment (SEAS) has jumped 1.7% to $29.59 after the theme-park operator was upgraded to Buy from Neutral at Longbow.