The education library

Learn fixed income, minus the jargon wall

Short, honest guides for people managing their own money. Written for investors, not for a CFA exam — every piece states its caveats out loud.

Bond ladders vs GIC ladders

Both turn a lump sum into a schedule of maturing money. Liquidity, guarantees, and yield decide which one fits — a side-by-side comparison.

The one number that predicts how much a bond or fund moves when rates change — with the rule of thumb and a worked table.

Price, yield to maturity, yield to worst, accrued interest — decoding what your brokerage actually shows you.

The simplest ladder there is: short government paper, rolled on a schedule, for cash you can't risk.

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