Latest analysis
21 articles published — newest first.
The dividend yield trap: when 12% is a warning, not a prize
Yield is a division, and there are two ways for the result to get large. Only one of them is good news for the person buying today.
Personal Finance · David Okonkwo
Emergency fund: how much, where, and when to actually use it
The "six months of expenses" rule is a fine starting point and a poor final answer. The right number depends on three variables almost nobody measures.
Personal Finance · BlackMoney Desk
Five biases that cost money — with the price tag on each one
What separates a fund's return from its investors' return is not information. It is behaviour — and behaviour has a measurable price.
ETFs & Funds · Ellen Marsh
Index versus active: what the math says once fees are in the calculation
The debate is usually argued with anecdotes. It is settled with arithmetic that fits in one paragraph — and that arithmetic explains why the record looks the…
Markets · BlackMoney Desk
The Fed does not set your mortgage rate — and the difference matters
Every cut announcement produces the same headline and the same confusion. What actually moves long-term borrowing costs is a different number entirely.
