Every year – usually, conveniently, around tax time – we like to evaluate the total picture of our personal finances. DQYDJ is (at least occasionally) a personal finance … [Read more...]
Higher Interest Rates May Not Buoy Financials
Along with the bond sell-off recently, financials have had a huge run-up in the month since the election, up >20% from 11/4/2016 – 12/13/2016. At first glance, these … [Read more...]
Trillion Dollar Bond Sell-Off
For those with a close eye on the market, it's hard not to notice a sharp selloff in bonds following the most recent election. Your humble writer doesn’t believe he can … [Read more...]
What Would Negative Interest Rates Mean For Your Savings?
Although overnight negative interest rates don't necessarily mean that your savings account is going to slowly tick negative, soon after a negative interest rate policy … [Read more...]
CCC (and Below) Rated Corporate Bond Total Return Calculator
This article includes a speculative grade corporate bond which lets you compute the total realized returns of CCC and below rated corporate debt, as tracked by the Bank … [Read more...]
Maybe The Market Doesn’t Know Where Inflation is Headed
One of the topics we like to revisit time and time again is our calculation of the inflation, measured in CPI, that the market is expecting over various timeframes. We … [Read more...]
AAA, AA, and A Rated Corporate Bond Total Return Calculator
On this page is an investment grade corporate bond calculator which allows you to compute the total return of corporate bonds rated A, AA, or AAA. It is based on the … [Read more...]
If You Prioritize Stability, Don’t Prioritize Stocks
We haven't written about Chinese markets since our epic post comparing social and political reactions to the market fall in China and recent American market falls. We … [Read more...]
My Retirement Asset Allocation
Over the Thanksgiving weekend, I decided to play around with Morning Star's X-Ray tool. The tool takes your entire portfolio and analyzes the asset allocation by … [Read more...]
Keeping Up with the Joneses: Risk Tolerance
The idea of lifestyle creep is the slow build-up of "necessary" expenses as your income increases. I myself have experienced a bit of it in my career, noticing small … [Read more...]
Treasury Return Calculator, With Coupon Reinvestment
The Treasury Return Calculator below uses long run 10-year Treasury Data from Robert Shiller to compute returns based on reinvesting the coupon payments. You can see the … [Read more...]
How to Get Started Investing When You’re Hopelessly Clueless (Or Don’t Care!)
Don't Quit Your Day Job is primarily a site for musing about the most efficient way of going about things. We don't generally waste our time with saving pennies, … [Read more...]