Data Sources
Where the data behind Lifolio comes from, how often it is updated, and what to keep in mind when using it.
ETF and market-asset prices
Yahoo Finance is the primary source for daily closing prices and dividends. Selected verified omissions or errors are supplemented using fund issuer disclosures or other data providers, including Twelve Data. Prices account for stock splits, and returns include dividends when reinvestment is selected.
- Range: results disclose the actual shared data window for the selected assets
Exchange-rate data (USD/KRW)
USD/KRW exchange rates use Yahoo Finance daily closing prices for USDKRW=X.
- Use: convert USD asset values to KRW and present them separately from USD returns
How the data is processed
- Non-market days: use the latest available prior market-day rate
Interest-rate and inflation references
Automatic risk-free rates follow the result currency: FRED three-month Treasury bill discount rates (TB3MS) for USD and Bank of Korea ECOS 91-day CD rates (CD91) for KRW. Inflation-linked contributions use the BLS non-seasonally adjusted CPI-U (CUUR0000SA0).
How the data is processed
- CD91 is a proxy for short-term KRW rates, not the realized return of a risk-free asset.
- Rate processing: each month uses the previous month’s observation. TB3MS converts a 90-day discount rate to a 30-day return; CD91 converts the annual rate using daily compounding on a 365-day basis and the actual days in the month.
- Inflation processing: monthly CPI-U index changes adjust inflation-linked contributions
- Missing data: if a required prior-month TB3MS or CD91 observation is absent, dependent risk-adjusted metrics are unavailable. CPI-U carries the latest official index only into future, unpublished months; gaps in already published months produce a calculation error.
Korean apartment transactions
Korean real-estate assets use reported transactions from MOLIT's public system. Canceled transactions are excluded; the monthly median for the selected complex and floor-area range is used, and months without a trade carry forward the prior monthly value in backtests.
- Timing: reports, corrections, and cancellations may arrive later, so the latest month may be incomplete.
How the data is processed
- Basis: reported contract date and amount, cancellation status, and apartment-only filtering
- Processing: monthly transaction-price median by complex and permitted floor-area range
City cost-of-living data
City living costs are estimates for comparison, not real-time official statistics. Actual spending may differ with the date of the data, exchange rates, and lifestyle.
- Basis: monthly costs including a 1-bedroom apartment in the city center, food, transport, utilities, and leisure
- Lifestyle: budget, standard, and comfortable
- Also used: Frankfurter (European Central Bank reference rates) for displayed exchange rates, OurAirports for airport information, and UK FCDO and Korean Ministry of Foreign Affairs data for travel safety.
Using this data
Third-party data can contain errors, arrive late, or become unavailable. Lifolio results are educational and informational; verify the original source and current disclosures before making an investment decision.
If you find a data error, tell us with the feedback button at the bottom right or at business@lifolio.io.
Last updated 2026-10-30