We've seen it before, but it’s still jarring. The Federal Reserve lowers short-term interest rates, and mortgage rates inexplicably increase. It happened last September and again with the first Fed cut of 2025 last week. So, what's going on? What happens when the Fed lowers interest rates First of all, the Federal Reserve and mortgage rates are working on two ends of a timeline. The Fed steers short-term interest rates, and mortgage rates are influenced by long-term bonds. When the Fed cuts its federal ...

The Fed decided on Sept. 17 to resume its rate-cutting cycle. - Kevin Dietsch/Getty Images The path for the U.S. stock market, which is trading near all-time highs, is probably higher after the Federal Reserve last week decided to lower its benchmark interest rate, according to LPL Financial. “Since 1984, the Fed has cut rates 28 different times when the S&P 500 was within 3% of an all-time high,” said Adam Turnquist, LPL’s chief technical strategist, in a note Wednesday. “After the cut, the broader mark ...

Welcome to the program. So we've got a range of topics to work through. First of all, given the Federal Reserve and Chair Jay Powell is in focus later on this afternoon, a man who, of course, you know well, we'd love your reaction to the latest pressure on the Federal Reserve and the daylight, the division within the committee right now and the daylight between the Governor Meyer and coming out of the White House and everybody else.David, what's your reaction to that as it builds through the summer and as w ...

ETF资金流向 - 比特币和以太坊ETF周一遭遇4.39亿美元净流出 其中比特币ETF流出3.631亿美元 以太坊ETF流出7600万美元[1] - 富达FBTC单日流出2.767亿美元 ARK 21Shares ARKB流出5230万美元 成为比特币ETF主要流出来源[1] - 以太坊ETF中富达FETH流出3310万美元 Bitwise ETHW流出2230万美元 贝莱德ETHA流出1510万美元[2] 市场动态分析 - 分析师认为周一流出主要源于短期头寸调整 交易员针对美联储降息和通胀数据重新布局[2] - 若周五PCE数据低于预期 ETF资金可能快速转正[2] - 上周比特币和以太坊ETF分别吸引9.77亿美元和7.72亿美元资金流入[3] 价格走势预测 - 若ETF资金在1-3日内转正 比特币可能快速反弹至11.3万美元以上 以太坊或涨向4200美元[4] - 若持续流出 比特币或重新测试10.8万美元支撑 以太坊可能跌至3900美元[4] - 过去24小时加密货币市场清算超过3.54亿美元 其中比特币相关4400万美元 以太坊相关5300万美元[4] 杠杆结构调整 - 市场出现获利了结和去杠杆化阶段 但并非结构性熊市[3] - 过去数周积累的杠杆正在退出市场[5] - 去杠杆化后的健康整固可能使市场重新平衡[5] 宏观环境评估 - 数字资产宏观环境仍偏乐观 支撑因素包括美联储降息 标普500和纳斯达克创新高 以及数字资产国库兴起[5] - 尽管短期看跌情绪升温(认沽认购偏度达8月初以来最高) 期权交易者对第四季度保持乐观[6]

Federal Reserve Chair Jerome Powell is due to give his first public remarks since the Fed cut rates ...

A Wall Street analyst has outlined the chances of the S&P 500 climbing to 9,000 by 2026, amid ongoing debate over whether the artificial intelligence (AI) boom is fueling a lasting rally or an emerging bubble.Notably, the benchmark index has notched multiple record highs in 2025, led by technology stocks. At press time, the S&P 500 stood at 6,664, up nearly 15% year-to-date.S&P 500 YTD price chart. Source: Google FinanceRegarding the future outlook, Evercore ISI strategist Julian Emanuel sees only a 25% pro ...

储蓄利率环境 - 美联储在2024年底三次下调联邦基金利率导致存款利率从历史高位回落[1] - 当前仍可找到年收益率超过4%的高收益储蓄账户[1] - 全国储蓄账户平均利率仅为0.4% 但顶级高收益储蓄账户利率超过该水平10倍以上[2] 机构利率表现 - Poppy Bank提供4.25%年收益率为合作伙伴中最高利率[2] - 在线银行因运营成本低能提供高存款利率和低费用 许多账户免月费且无最低开户存款要求[4] - 信用合作社作为非营利性金融合作社也提供4%-5%年收益率且费用较少 但通常有会员资格要求[5] 账户类型比较 - 储蓄账户资金受FDIC或NCUA保险保护 最高保障金额为25万美元 且不受市场波动影响[6] - 货币市场账户和存款证明(CD)对取款频率限制较多[8] - 长期储蓄目标需通过股票、指数基金和共同基金等高风险市场投资获取更高回报[7] 适用场景分析 - 高收益储蓄账户特别适合短期目标如房屋首付、度假或应急资金[8] - 需要随时取用资金时高收益储蓄账户是最佳选择之一[8] - 储蓄账户利率虽处于历史高位但仍低于市场投资回报水平[7]

抵押贷款利率变动 - 30年期抵押贷款利率从上周635%下降至626% [1] - 15年期抵押贷款利率从上周55%下降至541% [2] - 当前30年期利率较去年同期609%上升17个基点 [1] 利率变动驱动因素 - 长期美国国债收益率下降推动抵押贷款利率走低 [1] - 美联储利率政策及债券市场对经济和通胀预期产生影响 [2] - 美联储实施25个基点降息并预计年内再降息两次 [3] 利率趋势特征 - 30年期抵押利率自7月下旬以来呈整体下降趋势 [3] - 美联储降息决策反映对就业市场担忧加剧 [3] - 15年期利率较去年同期515%上升26个基点 [2]

If people were expecting the Federal Reserve to give us fireworks, they were sorely disappointed. Fed chief J. Pal is not giving hyperbole.He's trying to balance price stability with job growth. And right now, the risk tilt against the ladder. As Pal told us today, the labor market is really cooling off.So, the widely expected quarter point rate cut made a ton of sense. But the market was all over the place after we got this widely telegraphed news. Dow gaining 260 points, SME dipping.1%, NASDAQ declining.3 ...

Top Federal Reserve policy makers are meeting Tuesday and Wednesday, with a highly anticipated interest rate cut expected. With the job market cooling and inflation no longer a major threat, economists expect a 0.25% cut in the benchmark Fed Funds Rate. Additionally, Morgan Stanley and Deutsche Bank expect the Federal Open Market Committee, the central bank's monetary policy making panel, to slash rates by 0.75% by year's end. Some analysts say the Fed will split on the rate cut amount, but will wind up ...