Where our data comes from

How often figures are updated

The site refreshes automatically every weekday morning (European time). Stocks get the previous trading day’s data. Government bonds take the latest figure each official source has published, which is usually one to three days old for daily sources and about five weeks old for monthly ones. A figure is only ever replaced by a newer one.

Dividend stocks and REITs

• Prices, dividends, payout ratios, financial statements, analyst ratings and price targets: Yahoo Finance, collected with the open-source yfinance library.
• Dividend Aristocrats (25+ years of increases): the S&P Dividend Aristocrats index constituent lists. Dividend Kings (50+ years): public dividend-history records.
• Company filings: SEC EDGAR annual reports (10-K) as the primary reference for U.S. companies.
• Which companies are covered: the published constituent lists of the S&P 500, S&P MidCap 400, S&P SmallCap 600 and FTSE 100 (read weekly from Wikipedia’s lists of index members), plus a list of widely held dividend ETFs. Dividend streaks for these are counted from Yahoo Finance’s dividend history; see the methodology.

Government bonds: official feeds

These are read straight from the publishing institution on every update.

• United States (10, 20, 30 years): U.S. Department of the Treasury, daily par yield curve.
• Germany (10–30 years): Deutsche Bundesbank, daily yields on Federal securities.
• Japan (10–40 years): Ministry of Finance Japan, daily JGB rates.
• United Kingdom (10–40 years): Bank of England, daily nominal zero-coupon (spot) gilt curve.
• Switzerland (10, 20, 30 years): Swiss National Bank, daily rates on Confederation bonds.
• Canada (10, 30 years): Bank of Canada, daily benchmark yields.
• Norway (10 years): Norges Bank, daily.
• Sweden (10 years): Sveriges Riksbank, daily.
• Australia (10 years): Reserve Bank of Australia, daily (table F2); 15, 20 and 30 years: the Treasury Bond with the closest remaining life, daily (table F16). Each bond's page names the bond.
• Singapore (10, 15, 20, 30, 50 years): Monetary Authority of Singapore, daily closing yields of the benchmark SGS bonds.
• Spain (10, 15, 30 years): Banco de España, daily secondary-market yields.
• Belgium (10, 15, 20, 30 years): National Bank of Belgium, daily reference yields of OLOs.
• Other EU countries (10 years): European Central Bank, official monthly averages.
• South Africa and Chile (10 years): OECD long-term interest rates via FRED, monthly averages.

Bonds we don't list

We show only figures from official, free sources, refreshed automatically. Where no official source publishes a yield for free (several euro-area maturities beyond 10 years, Iceland, and all company bonds), we don't list the bond rather than copy a figure from a commercial website. When an official source becomes available, the bond comes back by itself. France's maturities beyond 10 years will return once the Banque de France feed is connected.

Exchange rates

• Euro reference rates: European Central Bank, about 30 currencies, published around 16:00 CET each working day. Pairs that don't involve the euro (for example GBP to JPY) are calculated from each currency's euro rate.
• Romanian leu: National Bank of Romania (BNR) reference rates, the official rate in Romania, published around 13:00 Bucharest time each banking day. Every pair involving the leu, and currencies only the BNR publishes (such as the Moldovan leu and Ukrainian hryvnia), use these.

Reference rates are for information. Banks, exchange offices and card providers buy and sell at their own rates. Each currency page names its source and the date of the rate shown.

Markets and earnings dates

The Markets pages show the closing values of the last completed trading day for the main stock indices, gold, silver, oil, natural gas, copper, bitcoin, ether, the US 10-year Treasury yield and the VIX, from Yahoo Finance. Commodity prices are those of the nearest futures contract. The earnings calendar shows each company's next expected results date and analysts' average forecasts, also from Yahoo Finance, refreshed on a rolling basis so every company is checked at least every three days. Dates not yet confirmed by the company are shown as a range.

Credit ratings

Issuer ratings are those published by S&P Global, Fitch and Moody’s. Where we hold no verified rating we show NR; we never estimate one. Always confirm a rating with the agency.

Retirement ages

The default retirement age in the planning tools is a typical statutory pension age for your country, which we maintain by hand. Pension ages change, so check your own government’s official figure for your situation.

Spotted an error?

Email contact@quietsaving.com with the page and the figure. How we handle corrections is in our editorial policy; how the scores are calculated is in our methodology.