Deposit account rates are on the decline. The good news: You can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power. In fact, the best CDs still pay rates above 4%. Read on for a snapshot of CD rates today and where to find the best offers. Where are the best CD rates today? CDs today typically offer rates significantly higher than traditional savings accounts. Currently, the best short-term CDs (six to 12 months) generally offer rates around 4% to 4.5% AP ...

Deposit account rates are on the decline — but the good news is you can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power. In fact, the best CDs still pay rates above 4%. Read on for a snapshot of CD rates today and where to find the best offers. Where are the best CD rates today? CDs today typically offer rates significantly higher than traditional savings accounts. Currently, the best short-term CDs (six to 12 months) generally offer rates around 4% to ...

At BlackRock Inc., PGIM and other Wall Street firms, bond-fund managers are sticking to trades that will likely pay off even if the Federal Reserve’s path is again knocked off course by surprising turns in the economy. Most Read from Bloomberg The run-up to the Fed’s first interest rate cut in nine months has already supplied solid returns, driving the Treasury market to its biggest annual gains since the pandemic forced the central bank to drive its lending rate to the cusp of zero. But when Jerome P ...

Welcome back to Market on Close. I'm Sam Bis alongside Marley Kaden over in Chicago. Joining us now to discuss this week's action and what lies ahead for the market and the economy.I'm very pleased to say is Paul Chhatz, who is the president and chief investment officer at Heritage Capital LLC. Thanks so much for joining us, Paul. Happy Friday to you.So, it's the Wall Street metaphor. Don't fight the Fed seems to be the mantra here. Is that what you're saying.So those expressions are often trit and not back ...

Key TakeawaysThe Federal Reserve enacted a 25 basis point (bps) interest rate cut today, bringing the federal funds rate to a range of 4.00% to 4.25%, marking its first rate reduction since December 2024.JPMorgan Chase & Co. announced a subsequent cut to its prime lending rate to 7.25%, effective September 18.DoubleLine Capital's Jeffrey Gundlach supported the Fed's 25 bps rate cut but cautioned about the risk of higher inflation if the central bank over-eases.Gundlach anticipates the yield curve will conti ...

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Deposit account rates are on the decline — but the good news is you can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power. In fact, the best CDs still pay rates above 4%. Read on for a snapshot of CD rates today and where to find the best offers. Where are the best CD rates today? CDs today typically offer rates significantly higher than traditional savings accounts. Currently, the best short-term CDs (six to 12 months) generally offer rates around 4% to ...

Brian Gilmartin, is a portfolio manager at Trinity Asset Management, a firm he founded in May, 1995, catering to individual investors and institutions that werent getting the attention and service deserved, from larger firms. Brian started in the business as a fixed-income / credit analyst, with a Chicago broker-dealer, and then worked at Stein Roe & Farnham in Chicago, from 1992 - 1995, before striking out on his own and managing equity and balanced accounts for clients. Brian has a BSBA (Finance) from Xav ...

美联储政策预期 - 市场预期美联储9月将降息25个基点 年底前累计降息70-75个基点 一年内预计降息100-135个基点 [3] - 部分观点认为美联储不应进行超过两次降息 否则可能因经济无过剩产能而推高通胀 [2][7] - 美联储可能迫于政治压力和就业市场考量 实施超过市场预期的降息幅度 [14][18] 通胀形势 - 通胀呈现粘性特征 多项指标显示价格水平持续高于去年同期 [2][4][5] - 企业面临成本传导挑战 消费者对价格敏感度提升 [5] - 债券市场可能低估通胀持续性风险 长期收益率存在上行压力 [9][18][20] 债券市场动态 - 10年期美债收益率逼近4% 国债波动率降至三年半低位 [1][4] - 收益率曲线呈现扁平化趋势 但策略师预期陡峭化交易将占主导 [12][14][17] - 财政部可能通过削减20/30年期债券发行规模来管理长端收益率 [20] 信用市场表现 - 投资级信用利差收窄至2月以来最低水平 接近1990年代末期低位 [1][25] - 高收益债券发行活跃 本周12家发行人完成95亿美元发行 连续三周超90亿美元 [22][23] - 垃圾级债券中CCC级品种表现落后 利差维持高位 显示风险分层明显 [30][31] 信贷基本面 - 企业通过再融资改善债务结构 高收益市场71%发行用于债务重组 接近历史纪录 [27] - 升级/降级比率达3:1 显示整体信用质量提升 [23] - 私募信贷与公开市场流动性增强 大型交易（超10亿美元）活跃度上升 [36][37] 机构观点 - 富兰克林邓普顿固定收益CEO认为美联储降息空间有限 不超过两次 [7] - 美银证券利率策略主管预计降息幅度约3% 推荐5年期债券 [8] - 黑岩宏观信贷研究主管指出信贷市场韧性来自基本面向好和技术面支持 [26][27] 跨市场比较 - 私募信贷与公开市场界限模糊化 优质借款人可双向融资 [36][38] - 资产支持证券等结构化产品提供相对于直接贷款更有吸引力的收益率 [41] - 固定收益工具 contractual yield 特性在股债配置中凸显防御价值 [39][41] 风险定价 - 长端利率对通胀风险补偿不足 投资者延长久期意愿有限 [18][20] - 信用利差收窄与基本面改善匹配 但持续收紧空间有限 [28][29] - 政策不确定性可能引发波动率跳升 当前波动率处于周期性低位 [1][4]

债券市场动态 - 5年30年期收益率曲线近期趋平 短期收益率下行空间有限 因市场已定价美联储明年6次降息[1] - 30年期国债收益率进一步下降 昨日拍卖需求强劲 利差从220基点收窄至100基点[2] - PIMCO认为债券交易已充分定价 收益率曲线长端可能表现更强 而短端利率将保持相对刚性[3] 宏观经济展望 - 美国经济存在衰退可能性 劳动力市场呈现疲软态势 但坏消息反而被市场解读为利好[4] - 工业金属表现强劲 铜价即将突破关键技术位 反映经济韧性预期[5] - 尽管经济放缓迹象显现 市场仍保持乐观情绪 资金持续流入各类风险资产[6] 资产配置趋势 - 全球资金积极配置美国股票、欧洲股票和新兴市场股票 同时增持债券及流动性替代资产[6] - 除美国国债外 投资者几乎全面增持各类资产 现金部署需求旺盛[7] - 黄金创通胀调整后历史新高 反映对货币贬值的担忧 央行购金与供应限制助推金价[8][9] 货币与避险资产 - 美元走弱预期促使投资者增持黄金 作为货币替代品[10] - 黄金供应有限且央行持续购买 使其成为重要的避险保护工具[9] - 实际需求方面 城市经济活动保持韧性 街道人流和自行车流量显示基层活力[11]