JOURNAL CATEGORIES

Four topics.
A useful place to begin.

Browse the Journal by product family and the fundamentals that connect them.

4 IN-DEPTH GUIDES

CDs & savings

Explore CD terms, APY calculations, ladder schedules, and the difference between accessible savings and a time commitment. Start with the kind of access your goal needs, then compare the terms that apply. The articles use hypothetical arithmetic rather than live offers, so their value is the process: understanding a rate, translating it into dollars, and checking what could change the result. Read the APY guide first for the math, the shopping guide for account details, and the ladder guide for organizing maturity dates.

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2 IN-DEPTH GUIDES

Bonds & Treasuries

Coupon rate, current yield, and yield to maturity answer different questions. This collection starts with those definitions and then examines Treasury bills alongside CDs. Follow the scheduled cash flows, distinguish promised payments from realized returns, and consider an early sale separately from holding to maturity. The comparisons do not assume that government securities, bank deposits, or corporate bonds have identical protection or access rules. Use the worked examples to identify the assumptions in a quote before evaluating a real instrument and its issuer.

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2 IN-DEPTH GUIDES

Dividend investing

A dividend payment can be useful cash flow without making the overall investment profitable. These guides explain the connection between distributions, share prices, and total return, then build a research checklist for high-yielding shares. They distinguish trailing payments from forward estimates and separate recurring dividends from special distributions. Begin with the arithmetic, then investigate the company or fund behind the payout. No stock picks, predicted dividend increases, or guaranteed-income claims are part of this collection.

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2 IN-DEPTH GUIDES

Yield fundamentals

Good yield comparisons need more than a percentage. They need a consistent starting amount, an actual timeline, a definition of risk, and an explanation of costs. This collection connects those pieces through two practical questions: what does the money need to do, and what remains after the relevant adjustments? Work through the hypothetical examples without treating their inputs as forecasts. Then use current disclosures and appropriate professional guidance for decisions that depend on personal tax, legal, or financial circumstances.

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