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    Chart of the Day

    45% to 59% Overvalue of Real Estate?

    Today’s chart comes from Fortune, which shows the real estate markets that are “overvalued” based on the area's local incomes and construction costs.
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    Chart of the Day

    With Bonds All Things Are Equal

    Today's Chart of the Day comes from an article in AAII.com (American Association of Individual Investors) and shows the average cumulative global corporate default rate from 1981-2021 in seven year spans. A common misconception is that the yield you see from a bond portfolio is what you can expect to earn. However, this is a best case scenario as some of the bonds will ultimately default, causing a loss that reduces the yield. In rough figures, if you take the weighted average default rate of all speculative/junk bonds and assume a 50% loss of principal of those bonds, over seven years this can reduce your total return by 2.9% annually. The current yield to maturity on speculative/junk bonds is 7.6%. When you add in the historical loss of 2.9%, this reduces the total return to 4.7%, which happens to be the same yield of 4.7% in an investment grade bond with a similar maturity.
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    Chart of the Day

    Percentages On-Time

    The Chart of the Day comes from Bloomberg. It's not a necessarily a financial chart, but instead shows percentages of on-time flights, and the amount of passengers traveled per airline.
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    Chart of the Day

    Moving the Goalposts

    Today's chart appears in a research paper titled, “Moving the Goalposts? Mutual Fund Benchmark Changes and Performance Manipulation” which was referenced in an article from the Wall Street Journal the week of August 22. The paper denotes that 37% of all actively managed mutual fund managers changed their benchmarks between 2006 and 2018, and two-thirds of these changes made the funds appear to improve their performance.
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    Chart of the Day

    Life Expectancy: 77 Years (Depending)

    Today's Chart of the Day comes from an article in the Wall Street Journal which shows the life expectancy at birth based on which state you live in. The lowest was Mississippi at 71.9 years, and the highest was Hawaii at 80.7 years. It's nice to see that Florida was on the higher end at 77.5 years.
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    Chart of the Day

    Housing Slump

    Today’s chart comes from data provided by the Department of Housing and Development (HUD) which shows that the rate of new US home sales per month has fallen 50% from 1,000,000 to 500,00 since the peak in August 2020.
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    Chart of the Day

    7 Investment Concepts

    Top 7 Investment Concepts by Samuel A. Kiburz:
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    Managing your Wealth

    Investing 101: Risk and the Possibility of Loss

    In the financial planning world, the concept of risk is often used in conversation. Risk has multiple meanings, but the first definition in the Merriam-Webster dictionary is quite simply the “possibility of loss.”
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    Chart of the Day

    The Shying Away from ESG

    Today's chart is from Bloomberg Intelligence, which shows the money flows into ESG (Environmental, Social, and Governance) ETFs since they appeared in 2015.
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    Chart of the Day

    No More Heydays for Hedge Funds

    People may ask, “Why not use hedge funds?” Today's chart comes from Bloomberg and shows us the reason why.  In addition to their typical expense ratio of 2% and 20% of gains above a benchmark, hedge funds have consistently under performed the stock market, denoted by the S&P 500 index, every year since 2014. In fact, they haven’t performed well since their heydays in the 1980s, and even less so since 2007.
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