What makes a purchase 'once-in-a-decade'?

A 'once-in-a-decade' purchase refers to major consumer expenditures that typically happen very infrequently - perhaps only a few times in a person's life. These include buying a new home, purchasing a vehicle, taking a luxury cruise vacation, or investing in high-end jewelry. These transactions are characterized by their high cost and the significant financial commitment they represent for most consumers.

How do interest rates affect these companies?

Interest rates have a major impact on companies selling big-ticket items because consumers often finance these large purchases. When rates are low, monthly payments become more affordable, potentially boosting sales of homes, vehicles, and other expensive items. Conversely, when rates rise, financing costs increase, which can delay consumer decisions to make major purchases, potentially affecting these companies' sales and profits.

What is a dividend yield?

Dividend yield is the annual dividend payment amount divided by the current stock price, expressed as a percentage. It shows how much cash return you might receive relative to your investment. For example, if a stock costs $100 and pays $3 in dividends annually, the dividend yield is 3%. Many companies in the Once-In-A-Decade collection pay dividends, providing income to investors in addition to potential stock price growth.

What are projected sales and projected profit?

Projected sales (or revenue) reflects analysts' expectations about how much money a company will generate from selling its products or services in the future. Projected profit (or earnings) estimates how much money will remain after subtracting all expenses from those sales. These forward-looking metrics help investors gauge a company's growth potential and financial health. For companies selling big-ticket items, these projections can indicate anticipated consumer demand for major purchases.

Why include funeral services in a collection about major purchases?

While different in nature from other items in this collection, funeral services represent a significant one-time expense for families. The average funeral costs thousands of dollars and is typically an unavoidable purchase. Companies like SCI (Service Corporation International) operate in a stable industry with consistent demand, as these services are ultimately needed regardless of economic conditions, though the timing is unpredictable. This adds portfolio diversification within the theme of high-value, infrequent consumer transactions.

18 handpicked stocks

Once-In-A-Decade

This collection features companies that profit from life's biggest purchases - the ones you make only a few times. Carefully selected by our analysts, these businesses excel at maximizing value from milestone transactions like homes, vehicles, and luxury goods.

Han Tan | Market Analyst

Published on June 17

Top Picks from This Group

Here are a few of the assets in this group. Create an account to unlock the full list.

DR Horton, Inc.

DHI

Current price

$170.81

As a leading homebuilder in the United States, it profits from the infrequent but significant purchase of new family homes.

Lennar Corp.

LEN

Current price

$127.95

This major homebuilder's revenue is driven by the large, long-term financial commitment of new home purchases.

PulteGroup, Inc.

PHM

Current price

$133.65

PulteGroup builds and sells a variety of homes, capitalizing on one of the largest and least frequent purchases a consumer makes.

Toll Brothers Inc.

TOL

Current price

$139.19

NVR, Inc.

NVR

Current price

$8,025.50

General Motors Co.

Current price

$59.36

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12 Month Growth Potential

Use the growth calculator to see how much investing in these assets could return over one year, based on aggregated analyst sentiment provided by Refinitive Ltd.

If you invested across these assets:

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In 12 months it might be worth:

$1,000.00

+19.60%

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About This Group of Stocks

Our Expert Thinking

These companies focus on high-value, infrequent consumer spending - the major purchases that mark life milestones. We've identified businesses whose profits come from transactions consumers might make just a handful of times, creating stable revenue even with less frequent sales.

What You Need to Know

These stocks tend to be sensitive to consumer confidence, disposable income, and interest rates. When financing is affordable and economic optimism is high, these companies often flourish. They're cyclical by nature but driven by essential purchases that consumers will eventually make.

Why These Stocks

We've selected industry leaders with strong brand recognition and impressive revenue-per-transaction metrics. These companies have demonstrated staying power in markets defined by infrequent but significant consumer spending, with business models built to capture maximum value from each sale.

Group Performance Snapshot

19.6%

Average 12 Month Profit

On average, analysts expect assets in this group to grow 19.6% over the next year.

12 of 18

Stocks Rated Buy by Analysts

12 of 18 assets in this group are rated Buy by professional analysts.

Source: Analyst sentiment is provided by Refinitiv Ltd, a global leader in financial market data with over 40k business clients. Refinitiv Ltd is an independent third party to Nemo. This is not advice.

Why You'll Want to Watch These Stocks

🏠

The Big-Ticket Advantage

These companies capture substantial profits from each transaction, often with higher margins than everyday purchase businesses. A single sale can significantly impact quarterly results.

📉

Rate-Cut Opportunity

As interest rates potentially decline, financing for big purchases becomes more affordable. This could trigger pent-up demand for homes, vehicles, and other major investments.

💎

Life's Milestone Moments

These companies provide products for life's most significant moments - from first homes to engagement rings. Even in challenging economies, these purchases may be delayed but rarely abandoned.

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