Spaces:
Sleeping
Sleeping
File size: 30,089 Bytes
b0b150b |
1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 70 71 72 73 74 75 76 77 78 79 80 81 82 83 84 85 86 87 88 89 90 91 92 93 94 95 96 97 98 99 100 101 102 103 104 105 106 107 108 109 110 111 112 113 114 115 116 117 118 119 120 121 122 123 124 125 126 127 128 129 130 131 132 133 134 135 136 137 138 139 140 141 142 143 144 145 146 147 148 149 150 151 152 153 154 155 156 157 158 159 160 161 162 163 164 165 166 167 168 169 170 171 172 173 174 175 176 177 178 179 180 181 182 183 184 185 186 187 188 189 190 191 192 193 194 195 196 197 198 199 200 201 202 203 204 205 206 207 208 209 210 211 212 213 214 215 216 217 218 219 220 221 222 223 224 225 226 227 228 229 230 231 232 233 234 235 236 237 238 239 240 241 242 243 244 245 246 247 248 249 250 251 252 253 254 255 256 257 258 259 260 261 262 263 264 265 266 267 268 269 270 271 272 273 274 275 276 277 278 279 280 281 282 283 284 285 286 287 288 289 290 291 292 293 294 295 296 297 298 299 300 301 302 303 304 305 306 307 308 309 310 311 312 313 314 315 316 317 318 319 320 321 322 323 324 325 326 327 328 329 330 331 332 333 334 335 336 337 338 339 340 341 342 343 344 345 346 347 348 349 350 351 352 353 354 355 356 357 358 359 360 361 362 363 364 365 366 367 368 369 370 371 372 373 374 375 376 377 378 379 380 381 382 383 384 385 386 387 388 389 390 391 392 393 394 395 396 397 398 399 400 401 402 403 404 405 406 407 408 409 410 411 412 413 414 415 416 417 418 419 420 421 422 423 424 425 426 427 428 429 430 431 432 433 434 435 436 437 438 439 440 441 442 443 444 445 446 447 448 449 450 451 452 453 454 455 456 457 458 459 460 461 462 463 464 465 466 467 468 469 470 471 472 473 474 475 476 477 478 479 480 481 482 483 484 485 486 487 488 489 490 491 492 493 494 495 496 497 498 499 500 501 502 503 504 505 506 507 508 509 510 511 512 513 514 515 516 517 518 519 520 521 522 523 524 525 526 527 528 529 530 531 532 533 534 535 536 537 538 539 540 541 542 543 544 545 546 547 548 549 550 551 552 553 554 555 556 557 558 559 560 561 562 563 564 565 566 567 568 569 570 571 572 573 574 575 576 577 578 579 580 581 582 583 584 585 586 587 588 589 590 591 592 593 594 595 596 597 598 599 600 601 602 603 604 605 606 607 608 609 610 611 612 613 614 615 616 617 618 619 620 621 622 623 624 |
{
"finance_database": {
"version": "1.0",
"last_updated": "2026-01-21",
"categories": [
{
"category_id": "BANK_001",
"category_name": "Banking Products",
"products": [
{
"product_id": "BANK_CHK_001",
"product_type": "Checking Account",
"provider": "Chase Total Checking",
"description": "Full-service checking account with nationwide branches",
"features": [
"Unlimited transactions",
"ATM access at 16,000+ Chase ATMs",
"Mobile check deposit",
"Zelle integration",
"Overdraft protection available"
],
"fees": {
"monthly_fee": 12,
"monthly_fee_waiver_options": [
"Direct deposit of $500+",
"Average daily balance of $1,500+",
"Combined balance of $5,000+ in Chase accounts"
],
"overdraft_fee": 34,
"out_of_network_atm_fee": 3
},
"interest_rate": {
"apy": 0.01,
"compounding": "monthly"
},
"minimum_opening_deposit": 0,
"fdic_insured": true,
"fdic_limit": 250000,
"best_for": [
"Daily transactions",
"In-person banking",
"Nationwide access"
]
},
{
"product_id": "BANK_SAV_001",
"product_type": "High-Yield Savings Account",
"provider": "Marcus by Goldman Sachs",
"description": "Online savings account with competitive interest rates",
"features": [
"No monthly fees",
"No minimum deposit",
"Easy online transfers",
"FDIC insured",
"24/7 customer service"
],
"fees": {
"monthly_fee": 0,
"transaction_fees": 0,
"excessive_withdrawal_fee": 0
},
"interest_rate": {
"apy": 4.5,
"compounding": "daily",
"rate_type": "variable"
},
"minimum_opening_deposit": 0,
"fdic_insured": true,
"fdic_limit": 250000,
"withdrawal_limits": {
"monthly_limit": 6,
"penalty": "Account may be closed or converted"
},
"best_for": [
"Emergency fund",
"High interest earnings",
"Online banking comfort"
]
},
{
"product_id": "BANK_CD_001",
"product_type": "Certificate of Deposit",
"provider": "Ally Bank 12-Month CD",
"description": "Fixed-rate CD with guaranteed returns",
"term_months": 12,
"interest_rate": {
"apy": 5.0,
"compounding": "daily",
"rate_type": "fixed"
},
"minimum_opening_deposit": 0,
"early_withdrawal_penalty": {
"penalty_period": "60 days interest",
"description": "Forfeit 60 days of interest for early withdrawal"
},
"fdic_insured": true,
"automatic_renewal": true,
"best_for": [
"Guaranteed returns",
"Money not needed for 1 year",
"Risk-averse savers"
]
}
]
},
{
"category_id": "CREDIT_001",
"category_name": "Credit Cards",
"products": [
{
"product_id": "CC_REWARDS_001",
"card_name": "Chase Sapphire Preferred",
"card_type": "Travel Rewards",
"issuer": "Chase",
"network": "Visa",
"annual_fee": 95,
"signup_bonus": {
"points": 60000,
"spending_requirement": 4000,
"timeframe_months": 3,
"estimated_value": 750
},
"rewards_structure": {
"travel": {
"rate": 2,
"unit": "points per dollar",
"categories": [
"Hotels",
"Flights",
"Rental cars"
]
},
"dining": {
"rate": 3,
"unit": "points per dollar",
"categories": [
"Restaurants",
"Food delivery"
]
},
"online_grocery": {
"rate": 3,
"unit": "points per dollar",
"annual_cap": 1000
},
"everything_else": {
"rate": 1,
"unit": "points per dollar"
}
},
"redemption_options": [
{
"type": "Travel through Chase portal",
"value": "1.25 cents per point"
},
{
"type": "Transfer to airline/hotel partners",
"value": "Variable, often 1.5-2+ cents per point"
},
{
"type": "Cash back",
"value": "1 cent per point"
}
],
"apr": {
"purchase_apr": "21.49% - 28.49%",
"balance_transfer_apr": "21.49% - 28.49%",
"cash_advance_apr": "29.99%",
"apr_type": "Variable"
},
"fees": {
"balance_transfer_fee": "5% or $5 minimum",
"cash_advance_fee": "5% or $10 minimum",
"foreign_transaction_fee": 0,
"late_payment_fee": "Up to $40"
},
"benefits": [
"Primary rental car insurance",
"Trip cancellation/interruption insurance",
"Baggage delay insurance",
"Purchase protection",
"Extended warranty protection",
"No foreign transaction fees"
],
"credit_score_needed": "Good to Excellent (690+)",
"best_for": [
"Frequent travelers",
"Dining enthusiasts",
"Point maximizers"
]
},
{
"product_id": "CC_CASHBACK_001",
"card_name": "Citi Double Cash",
"card_type": "Cash Back",
"issuer": "Citi",
"network": "Mastercard",
"annual_fee": 0,
"rewards_structure": {
"all_purchases": {
"earn_rate": 1,
"unit": "% when you buy"
},
"payment": {
"earn_rate": 1,
"unit": "% when you pay",
"total": "2% total cash back"
}
},
"apr": {
"purchase_apr": "19.24% - 29.24%",
"balance_transfer_apr": "19.24% - 29.24%",
"intro_balance_transfer_apr": "0% for 18 months",
"apr_type": "Variable"
},
"fees": {
"balance_transfer_fee": "3% or $5 minimum (intro period), then 5%",
"cash_advance_fee": "5% or $10 minimum",
"foreign_transaction_fee": "3%",
"late_payment_fee": "Up to $41"
},
"redemption_options": [
"Statement credit",
"Direct deposit",
"Check"
],
"minimum_redemption": 25,
"credit_score_needed": "Good to Excellent (700+)",
"best_for": [
"Simple cash back",
"No category tracking",
"Balance transfers"
]
},
{
"product_id": "CC_SECURED_001",
"card_name": "Discover it Secured",
"card_type": "Secured Credit Card",
"issuer": "Discover",
"network": "Discover",
"annual_fee": 0,
"security_deposit": {
"minimum": 200,
"maximum": 2500,
"becomes_credit_limit": true,
"refundable": "Yes, when account closed in good standing or upgraded"
},
"rewards_structure": {
"rotating_categories": {
"rate": 5,
"unit": "% cash back",
"quarterly_cap": 1500,
"activation_required": true
},
"everything_else": {
"rate": 1,
"unit": "% cash back"
},
"cashback_match": "100% of cash back earned in first year"
},
"apr": {
"purchase_apr": "28.24%",
"apr_type": "Variable"
},
"graduation": {
"timeline": "8 months of responsible use",
"outcome": "Automatic review for unsecured card",
"deposit_return": "Security deposit returned"
},
"credit_score_needed": "Limited or poor credit",
"best_for": [
"Building credit",
"Rebuilding credit",
"First credit card"
]
}
]
},
{
"category_id": "INVEST_001",
"category_name": "Investment Products",
"products": [
{
"product_id": "INV_ETF_001",
"product_type": "Exchange-Traded Fund",
"ticker": "SPY",
"name": "SPDR S&P 500 ETF Trust",
"provider": "State Street Global Advisors",
"description": "Tracks the S&P 500 index, providing exposure to 500 large-cap US companies",
"asset_class": "Equity",
"investment_strategy": "Passive Index Tracking",
"benchmark": "S&P 500 Index",
"expense_ratio": 0.0945,
"minimum_investment": "Price of 1 share (~$450)",
"historical_performance": {
"1_year_return": 24.2,
"3_year_return_annualized": 10.5,
"5_year_return_annualized": 15.8,
"10_year_return_annualized": 12.9,
"since_inception_annualized": 10.2
},
"dividend_yield": 1.5,
"top_holdings": [
{
"company": "Apple Inc.",
"weight": 7.2
},
{
"company": "Microsoft Corp.",
"weight": 6.8
},
{
"company": "Amazon.com Inc.",
"weight": 3.5
},
{
"company": "NVIDIA Corp.",
"weight": 3.2
},
{
"company": "Alphabet Inc. Class A",
"weight": 2.1
}
],
"sector_allocation": {
"Technology": 29.5,
"Healthcare": 13.2,
"Financials": 12.8,
"Consumer Discretionary": 10.5,
"Communication Services": 8.9,
"Industrials": 8.3,
"Consumer Staples": 6.2,
"Energy": 4.1,
"Utilities": 2.5,
"Real Estate": 2.3,
"Materials": 1.7
},
"risk_level": "Medium",
"liquidity": "Very High",
"tax_efficiency": "High",
"best_for": [
"Core portfolio holding",
"Long-term growth",
"Passive investors"
]
},
{
"product_id": "INV_BOND_001",
"product_type": "Bond Fund",
"ticker": "AGG",
"name": "iShares Core U.S. Aggregate Bond ETF",
"provider": "BlackRock",
"description": "Broad exposure to US investment-grade bonds",
"asset_class": "Fixed Income",
"investment_strategy": "Passive Index Tracking",
"benchmark": "Bloomberg U.S. Aggregate Bond Index",
"expense_ratio": 0.03,
"minimum_investment": "Price of 1 share (~$100)",
"historical_performance": {
"1_year_return": 2.8,
"3_year_return_annualized": -2.1,
"5_year_return_annualized": 0.9,
"10_year_return_annualized": 1.8
},
"yield_to_maturity": 4.2,
"average_duration": 6.2,
"credit_quality": {
"AAA": 72.5,
"AA": 4.2,
"A": 12.8,
"BBB": 10.5
},
"bond_type_allocation": {
"US_Treasury": 42.5,
"Government_Related": 3.2,
"Corporate": 26.8,
"Securitized": 27.5
},
"risk_level": "Low to Medium",
"interest_rate_sensitivity": "Moderate",
"best_for": [
"Portfolio stability",
"Income generation",
"Risk reduction"
]
},
{
"product_id": "INV_REIT_001",
"product_type": "Real Estate Investment Trust",
"ticker": "VNQ",
"name": "Vanguard Real Estate ETF",
"provider": "Vanguard",
"description": "Invests in stocks issued by real estate investment trusts",
"asset_class": "Real Estate",
"expense_ratio": 0.12,
"minimum_investment": "Price of 1 share (~$90)",
"dividend_yield": 4.2,
"historical_performance": {
"1_year_return": 8.5,
"3_year_return_annualized": 4.2,
"5_year_return_annualized": 6.8,
"10_year_return_annualized": 7.5
},
"property_type_allocation": {
"Specialized": 28.5,
"Residential": 16.2,
"Retail": 10.8,
"Industrial": 15.5,
"Office": 8.2,
"Healthcare": 12.3,
"Diversified": 8.5
},
"risk_level": "Medium to High",
"correlation_to_stocks": "Moderate",
"best_for": [
"Real estate exposure",
"Dividend income",
"Portfolio diversification"
]
}
]
},
{
"category_id": "RETIRE_001",
"category_name": "Retirement Accounts",
"accounts": [
{
"account_id": "RET_401K_001",
"account_type": "401(k)",
"account_variant": "Traditional",
"description": "Employer-sponsored retirement plan with pre-tax contributions",
"contribution_limits_2026": {
"employee_contribution": 23500,
"catch_up_contribution_age_50_plus": 7500,
"total_employee_limit": 31000,
"total_contribution_limit_with_employer": 69000
},
"tax_treatment": {
"contributions": "Pre-tax (reduces current taxable income)",
"growth": "Tax-deferred",
"withdrawals": "Taxed as ordinary income"
},
"employer_match_examples": [
{
"match_formula": "100% match up to 3% of salary",
"example_salary": 60000,
"employee_contribution": 1800,
"employer_contribution": 1800,
"total": 3600
},
{
"match_formula": "50% match up to 6% of salary",
"example_salary": 80000,
"employee_contribution": 4800,
"employer_contribution": 2400,
"total": 7200
}
],
"withdrawal_rules": {
"penalty_free_age": 59.5,
"early_withdrawal_penalty": 10,
"early_withdrawal_exceptions": [
"Disability",
"Medical expenses exceeding 7.5% of AGI",
"Substantially equal periodic payments",
"Separation from service after age 55"
],
"required_minimum_distributions": {
"start_age": 73,
"calculation": "Based on IRS life expectancy tables"
}
},
"loan_provisions": {
"maximum_loan": "Lesser of $50,000 or 50% of vested balance",
"repayment_period": "5 years (longer for home purchase)",
"interest_rate": "Typically prime + 1-2%",
"consequences": "Interest paid to yourself, but opportunity cost of growth"
},
"best_for": [
"Tax deduction now",
"Employer match",
"High current tax bracket"
]
},
{
"account_id": "RET_ROTH_001",
"account_type": "Roth IRA",
"description": "Individual retirement account with after-tax contributions and tax-free growth",
"contribution_limits_2026": {
"under_50": 7000,
"age_50_plus": 8000
},
"income_limits_2026": {
"single": {
"phase_out_start": 146000,
"phase_out_end": 161000
},
"married_filing_jointly": {
"phase_out_start": 230000,
"phase_out_end": 240000
}
},
"tax_treatment": {
"contributions": "After-tax (no current deduction)",
"growth": "Tax-free",
"qualified_withdrawals": "Tax-free and penalty-free"
},
"withdrawal_rules": {
"contributions": "Can withdraw anytime tax and penalty-free",
"earnings_qualified": {
"age_requirement": 59.5,
"account_age_requirement": 5,
"tax_and_penalty": "None if both requirements met"
},
"earnings_non_qualified": {
"tax": "Yes, on earnings",
"penalty": "10% on earnings (with exceptions)"
},
"no_rmds": "Can leave money indefinitely"
},
"backdoor_roth_strategy": {
"description": "For high earners exceeding income limits",
"steps": [
"Contribute to Traditional IRA (non-deductible)",
"Immediately convert to Roth IRA",
"Pay taxes on any gains during conversion"
],
"considerations": "Pro-rata rule if you have other Traditional IRA balances"
},
"best_for": [
"Young investors",
"Expect higher future tax bracket",
"Tax-free retirement income"
]
},
{
"account_id": "RET_HSA_001",
"account_type": "Health Savings Account",
"description": "Triple tax-advantaged account for medical expenses",
"contribution_limits_2026": {
"individual": 4150,
"family": 8300,
"catch_up_age_55_plus": 1000
},
"eligibility": {
"requirement": "High-deductible health plan (HDHP)",
"hdhp_definition_2026": {
"individual": {
"minimum_deductible": 1600,
"maximum_out_of_pocket": 8050
},
"family": {
"minimum_deductible": 3200,
"maximum_out_of_pocket": 16100
}
}
},
"triple_tax_advantage": {
"contributions": "Tax-deductible",
"growth": "Tax-free",
"withdrawals": "Tax-free for qualified medical expenses"
},
"qualified_medical_expenses": [
"Doctor visits and hospital stays",
"Prescription medications",
"Dental and vision care",
"Medical equipment",
"Long-term care insurance premiums (age-based limits)"
],
"after_age_65": {
"medical_withdrawals": "Tax-free",
"non_medical_withdrawals": "Taxed as ordinary income (like Traditional IRA), no penalty"
},
"investment_options": "Can invest like IRA once minimum balance reached",
"portability": "Stays with you if you change jobs or insurance",
"strategy": "Pay medical expenses out-of-pocket, save receipts, let HSA grow for retirement",
"best_for": [
"Healthy individuals",
"Long-term investors",
"Maximizing tax advantages"
]
}
]
}
],
"financial_calculators": {
"compound_interest": {
"formula": "A = P(1 + r/n)^(nt)",
"variables": {
"A": "Final amount",
"P": "Principal (initial investment)",
"r": "Annual interest rate (decimal)",
"n": "Compounding frequency per year",
"t": "Time in years"
},
"example": {
"principal": 10000,
"annual_rate": 0.07,
"years": 30,
"compounding_frequency": 12,
"result": 81402.94,
"total_contributions": 10000,
"total_interest_earned": 71402.94
}
},
"retirement_savings": {
"rule_of_72": {
"description": "Estimate years to double money",
"formula": "Years to double = 72 / interest rate",
"example": "At 8% return, money doubles in 72/8 = 9 years"
},
"4_percent_rule": {
"description": "Safe withdrawal rate in retirement",
"rule": "Withdraw 4% of portfolio in first year, adjust for inflation thereafter",
"example": {
"portfolio_value": 1000000,
"first_year_withdrawal": 40000,
"probability_lasting_30_years": "95%"
}
}
}
}
}
} |