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 web site, so that usually means an asset allocation post and a savings rate post. Today, I’ll share our broad asset allocation snapshot. If it helps with […]
Can you trust a roboadvisor? And, by the way, what is a roboadvisor? The definition of Roboadvisor still isn’t fully set in stone, but roughly speaking it’s a software tool which manages your portfolio and gives financial advice and action items without the need to consult (often) an outside human advisor. Because there are so […]
This article links to a S&P 500 Periodic Reinvestment Calculator which allows you to run through investment scenarios as if you had been invested in the past. It includes dividends paid, dividend taxes, capital gains taxes, management fees, and inflation. It allows you to modify all tax and fee fields to model custom scenarios, such […]
On this page is a Wilshire 5000 Return calculator which gives the dividend reinvested return of the Wilshire between any two arbitrary dates since December of 1970. It can also be used to adjust returns for daily inflation. It uses data from Wilshire Associates, collated by the St. Louis Fed here and here. The Wilshire […]
The other day our friend John at Married With Debt hosted a guest post from Rob Bennett of Passion Saving. You might remember John from our collaboration on the relative taxation of Presidents Obama and Bush. Rob, on the other hand, is a bit of an enigma in the Personal Finance world. On the one hand, he has very interesting theories on safe withdrawal rates and buy and hold investing based on market valuations. On the other hand? He weaves a tale which makes the stories of Alexander Litvinenko and Gareth Williams seem somehow tame by comparison. I’m not going to touch that further than describing it (Google around if you care), but there is precedence for disruptive financial theories causing anger. Let’s tackle the merits of Rob’s arguments, shall we?