One way to evaluate retirement savings is to look at a retirement savings to income multiple. Taking a household's total retirement savings and dividing by typical … [Read more...]
Checking in on Risk Premiums: Mid-May 2018
A risk premium is the excess return an investor captures or anticipates between a risky asset and a comparable safer asset. A risk premium can either be a forward … [Read more...]
Using Yield Curve Inversion as a Recession Indicator
In our last post, we looked at extending our measure of the United States yield curve back in time. To recap, a yield curve inversion occurs when short-term debt yields … [Read more...]
Long Run Yield Curve Inversions, Illustrated (1871-2018)
On this page we examine the history of the relationship between long term and short term government debt yields in the United States. We're especially interested in when … [Read more...]
Mortgages vs. the Expected Inflation Rate, April ’18
Inflation expectations through Treasury breakevens – a concept we just visited – are a decent take on the market's opinion on the 'cost of holding money'. Mortgages are, … [Read more...]
Inflation Expectations as of 4/12/2018
For a time, we were closely watching inflation expectations – or a close approximation known as treasury breakevens, anyway. By subtracting the yield on inflation … [Read more...]
American Retirement Savings by Age: Averages, Medians and Percentiles
In 2016 in the United States, there were large differences in retirement savings by age. Taking strict retirement savings, households headed by 30-34 year olds averaged … [Read more...]
Average American Retirement Savings, Medians and Percentiles
In 2016, American households headed by someone aged 32-61 averaged $120,809.40 in retirement savings, or $264,453.30 using an expansive calculation. Using the same … [Read more...]
How Many Accredited Investors Are There by Age?
We present here estimates for the number of accredited investors by age in the United States for full-year 2016. In our accredited investors in America post, we estimated … [Read more...]
My 2017 Savings Rate
At DQYDJ, tax season has us recently rolling out our annual savings rate. The personal finance blogosphere constantly emphasizes its importance and demonstrates its … [Read more...]
What Was Your Savings Rate in 2017?
We here at DQYDJ have recently been sharing some of our insights into our own personal finances – you can thank tax season for that. Recently, I covered our current asset … [Read more...]
My 2018 Asset Allocation
In honor of tax season, we at DQYDJ annually post savings rate and asset allocation summaries. Unfortunately, I find mine particularly boring. I am young enough and … [Read more...]