Finance

In this post, I want to compare the total fee at three Japanese banks. The scenario is that all of the incoming wire transfer in US dollars (USD) is converted to Japanese yen (JPY).

Accounting for Computer Scientist by Martin Kleppmann uses graph theory from computer science to explain accounting.

It is a common rule-of-thumb to keep 6 months of expenses in cash as emergency fund. Sometimes the recommedation is 3 or even 12 months. Is there a better way than parking that cash in the bank?

It’s a common sense to pay off the debt with the highest interest first. This also applies to retirement investment accounts.

In a previous post, we talked about asset allocation for retirement. To design an asset allocation for a financial goal for an investor, we need to understand time horizon of the goal and risk capacity for the investor. We discussed time horizon previously. Using time horizon, we can arrive at asset allocations for different goals. In this post, we will talk about risk capacity for the investor.

In a previous post, we talked about asset allocation for retirement. To design an asset allocation for a financial goal for an investor, we need to understand time horizon of the goal and risk capacity for the investor. In this post we will talk about the concept of time horizon. Using time horizon, we can arrive at asset allocations for different goals. In another post, we will talk about risk capacity for the investor.

In this post, we showed that the S&P 500 stock market index is a candidate investment that results in a bigger nest egg than our twin’s. In this post, we discuss mutual fund products, including a S&P 500 one, that we can invest in. A portfolio can own one or more mutual funds. We will make a comparison between a few portfolios that are candidates for retirement investing.

In a post about twins and investing, if annual interest rate of a hypothetical investment is about 6%, then someone who starts contribution early with a lower total contribution can tie at retirement age with another who starts contribution later with a much higher total contribution. The time span of this investing career is 35 years. Does such an investment exists?

Suppose you have a twin. You start investing USD 10,000 annually for the next 10 years and then stop. At which point, your twin starts and also contributes USD 10,000 annually until retirement age. If no sales occur, who would have more money at age 65? How does the annual interest rate change the answer?