Python – Be on the Right Side of Change

Equal Weight vs Market Cap S&P 500 Performance: A Tie for $10,000, a $128,086 Gap at $500 a Month

November 13, 2026 by Michael

Featured line chart: $500 a month invested from May 2003 to Nov 2026 grew to $764,878 in market-cap SPY vs $636,793 in equal-weight RSP, a $128,086 gap, even though $10,000 lump sums nearly tied

Equal weight vs market cap S&P 500 performance: a $10,000 tie since 2003 ($124,203 vs $126,266) but a $128,086 gap at $500/month. Python inside.

Gold vs S&P 500 Last 20 Years: $10,000 Became $79,224 in Stocks vs $58,437 in Gold (Python)

November 12, 2026 by Michael

Featured line chart: $10,000 invested Nov 2006 grew to $79,224 in the S&P 500 with dividends, $58,437 in gold (GLD) and $54,963 in the S&P 500 price only by Nov 2026

Gold vs S&P 500 last 20 years: $10,000 became $79,224 in SPY with dividends vs $58,437 in gold. Win rates, drawdowns, 80/20 mix + Python.

Stock Bond Correlation Over Time: 33 Years of SPY vs Treasuries, and Why It’s +0.42 Now (Python)

November 10, 2026 by Michael

Featured line chart of the 36-month rolling correlation between SPY and long-term Treasuries, 1996 to October 2026: negative from 2000 to 2021, positive since 2022, now +0.42

Stock bond correlation over time, 1993-2026: SPY vs Treasuries was -0.29 in 2000-2021, +0.42 now. Inflation link, 60/40 impact + Python.

Sequence of Returns Risk Example: Same 25 SPY Years, Reversed, and $1M Ends at $119,235 vs $3.77M (Python)

November 9, 2026 by Michael

Featured line chart: $1M in SPY with the 4% rule over the same 25 annual returns (2000-2024). Real order with the crash first ends at $119,235; reversed order ends at $3.77M, a $3.65M gap

Sequence of returns risk example: same 25 SPY years, $1M, 4% rule. Real order ends at $119,235, reversed at $3.77M. Charts, fix + Python.

Missing the Best Days in the Market: Skip SPY’s 10 Best Days Since 1993 and $313,613 Becomes $136,082 (Python)

November 4, 2026 by Michael

Featured bar chart: $10,000 in SPY from Jan 29, 1993 to Nov 3, 2026 grew to $313,613 invested every day, $187,437 missing the 5 best days, $136,082 missing the 10 best (-57%), $78,634 missing 20, $49,189 missing 30 and $22,024 missing 50

Missing the best days in the market, tested: skip SPY’s 10 best days since 1993 and $10k ends at $136,082, not $313,613 (−57%). Charts + Python.

Dividend Reinvestment Calculator: $10,000 in SPY Became $83,195 With DRIP vs $59,123 Without (Python)

November 2, 2026 by Michael

Featured line chart: $10,000 invested in SPY on Jan 3, 2000 grew to $83,195 with dividends reinvested vs $59,123 with dividends taken as cash by Oct 30, 2026, a gap of $24,072 (41%)

Dividend reinvestment calculator on real data: $10k in SPY became $83,195 with DRIP vs $59,123 as cash since 2000. VYM, SCHD, QQQ, taxes, Python.

60/40 Portfolio Max Drawdown: −35.8% in 2008, but Only 3.7 Points of Cushion in 2022 (Python)

November 1, 2026 by Michael

Featured bar chart of max drawdowns, 100% stocks vs 60/40, daily data 1986-2026: 1987 -33.1% vs -21.7%, 2000-02 -47.5% vs -25.9%, 2008-09 -55.3% vs -35.8%, 2020 -33.8% vs -21.6%, 2022 -24.6% vs -20.9%, a gap of only 3.7 points

60/40 portfolio max drawdown: −35.8% in 2008 vs −55.3% for stocks, but only a 3.7-point cushion in 2022. Daily data since 1986, tables, Python.

How Long Does It Take the Stock Market to Recover From a Crash? Median 2.1 Years (Python)

October 30, 2026 by Michael

Featured bar chart of the 12 S&P 500 declines of 20% or more since 1928, years from record high to the next record high: 1929 25.0 years, 1973 7.5, 2000 7.2, 2007 5.5, all others 0.5 to 3.3 years; median recovery 2.1 years

How long does it take the stock market to recover from a crash? S&P 500 median: 2.1 years across 12 crashes since 1928. Depth table, dividends, Python.

Sharpe Ratio vs Sortino Ratio: A Sharpe Tie Became 2.08 vs 1.65 (Python)

October 29, 2026 by Michael

Featured scatter chart of annualized Sharpe ratio vs Sortino ratio for eight assets, Oct 2016 to Sep 2026: Bitcoin and QQQ have nearly the same Sharpe (0.98 and 0.97) but Sortino ratios of 2.08 and 1.65, a 0.43 gap

Sharpe ratio vs Sortino ratio in Python: Bitcoin and QQQ tied on Sharpe (0.98 vs 0.97) over 10 years, but Sortino scored them 2.08 vs 1.65. Here’s why.

Best AI for KDP: The Draft Is Only 0.6% of Your Book Budget (Pick the AI That Saves Edits)

November 10, 2026October 28, 2026 by Michael

Featured bar chart of what one 60,000-word romance costs to produce at Reedsy average rates: developmental edit $1,740, copy edit $1,320, proofread $960, cover design $720 and the AI draft $30, which is 0.6% of the $4,770 total

Best AI for KDP? The draft is only 0.6% of a $4,770 pro-edited romance, and $20 to $37 on any ImagineYourBook plan. Pick the AI that saves editing passes, with budget tiers, break-even sales and an FAQ.