Can your bank account handle financial emergencies? Unexpected expenses can force you to rely on credit cards, which can lead to debt if you don’t have enough savings to cover car repairs, medical bills, home repairs, job loss and more. That’s why a great financial decision is to build an emergency savings fund right now, according to personal finance expert Suze Orman. Learn More: Fidelity Says This Is a Surprising Risk of Holding Too Much Cash — Do You Have Too Much? For You: 4 Affordable Car Brands You ...

Economic uncertainty often forces a shift in how we spend and save. During the Great Recession of the late 2000s — when unemployment hit 10% and home values dropped by 30% — many tightened their budgets and focused on financial survival. For You: Mark Cuban Says Trump's Executive Order To Lower Medication Costs Has a 'Real Shot' -- Here's Why Trending Now: 8 Frugal Habits Americans Are Ridiculed for — and Why You Shouldn’t Care Fast forward to 2025: interest rates are volatile, inflation still ebbs and fl ...

The S&P 500 Index has gained roughly 3.7% so far in September, bringing year-to-date gains to 13%. With the Fed delivering its first rate cut of 2025 in September and markets pricing in two more cuts this year, some market upside appears likely in the near term.According to the CME FedWatch tool, markets are anticipating a 94.1% likelihood of an interest rate cut in October and a 99% likelihood of an interest rate cut in December. However, weak consumer confidence, fears of rising inflation levels and persi ...

Gold futures on Tuesday surged to a fresh high of over $3,800 as investors continue to bet big on the safe haven asset.The real gold price, which adjusts for inflation, hit a record high earlier this month for the first time since 1980.In a note on Monday, Deutsche Bank analysts forecast that gold prices could rise above $4,000 by the end of the year – notching a massive full-year return of more than 50%.The real gold price, which adjusts for inflation, hit a record high earlier this month for the first tim ...

黄金价格表现 - 黄金期货价格周一上涨2%至每盎司3,780美元的历史新高[2] - 经通胀调整后的实际金价本月早些时候达到自1980年以来的首次纪录高位[2] - 德意志银行预测金价可能在2025年底前突破4,000美元 意味着全年回报率超过50%[3] 机构需求动态 - 世界黄金理事会调查显示95%的央行行长预计今年全球黄金储备将增加[7] - 43%的央行预计自身黄金储备将在同期增加 创下历史纪录[7] - 85%的受访央行认为黄金在危机期间的表现与其投资组合高度相关 71%认可其作为地缘政治风险对冲工具的作用[8] 美元走势影响 - 美元指数今年下跌超过10% 主要跌幅发生在3月初至7月初贸易不确定性和全球紧张局势高峰期[9] - 近四分之三的央行预计美元在全球储备中的份额将在未来一年下降 因机构增持黄金及欧元、人民币等其他货币[8] - 美元疲软预计将继续成为黄金价格的推动因素 因黄金以美元计价[11] 利率政策影响 - 美联储今年首次降息 并暂定在2025年底前再进行两次降息[12] - 较低的联邦基金利率可能导致国债收益率下降 使无息黄金对投资者更具吸引力[12] - 投资者今年已向黄金基金投入创纪录的850亿美元[12] 地缘政治因素 - 欧洲和中东冲突以及美中紧张局势促使各国央行成为黄金主要买家[7] - 特朗普政府对美联储的抨击引发对央行独立性的质疑 可能削弱投资者对美元和国债的信心[13] - 白宫可能通过明年5月任命美联储主席鲍威尔的继任者来加强对美联储的控制[14]

经济环境变化 - 近年来经济环境变得更加危险 包括通胀和增长放缓 [1] - 当前消费者支出水平降低 导致资本配置和投资难度增加 [1] - 整体金融状况呈现更高不确定性 [1]

Last night, FedEx reported a much better than expected quarter, almost out of nowhere, which is why it stock jumped more than 2% today. Now, this is a stock that struggled since the summer of last year, especially during the original tariff turmoil this spring. While FedEx rebounded from its post liberation day lows in April, it never really got back to pre-tariff levels, pretty much trading sideways over the course of the summer.Going to last night's earnings report, the stock was down nearly 20% for the y ...

Why are gold prices up 44 per cent so far this year?Gold prices have gained primarily due to fears of higher global inflation, economic uncertainty due to the US’ trade dispute and geopolitical tensions. Australia’s Office of the Chief Economist says that since late 2024, gold prices have been boosted by 3 factors: first, a sharp rise in trade barriers raised concerns over world economic growth and corporate earnings. Then, worries over the US fiscal outlook saw investors take a less favourable view of US T ...

核心观点 - 网络安全、人工智能和经济不确定性成为2025年内部审计部门最关注的三大风险领域 其中网络安全连续五年位列新兴风险首位 人工智能关注度急剧上升至第二位 经济不确定性成为新晋关键因素[1][2] - 超过85%的审计部门因技能短缺而依赖外部合作伙伴 主要缺口集中在网络安全、人工智能、IT审计和数据分析领域[3][4] 行业趋势 - 生成式人工智能正重塑审计策略、工具集和风险管理技能要求 成为审计行业第二大关注点[2] - 全球雇主第四季度招聘计划趋于谨慎 45%企业预计维持现有员工规模 为年初以来最高比例[9] 专业服务领域 - 专业服务公司提供财务与会计、内部审计、风险合规及税务领域的咨询、思想领导力、综合资源和高管寻访服务[5] - 全球人力资源解决方案公司为数十万组织提供人才招募、评估、发展和管理服务 覆盖超过70个国家和地区[6]

就业市场趋势转变 - 美国劳动力市场出现从频繁跳槽到坚守岗位的显著转变 这一行为被就业咨询公司Korn Ferry定义为"job hugging"（岗位坚守）现象[1][3] - 员工坚守岗位主要源于经济必要性而非忠诚度或满意度 反映就业市场挑战加剧的经济现实[2] - 自愿离职率稳定在2%左右 显示劳动力流动性降低[4] 就业市场数据表现 - 2025年已记录80万岗位流失 为2020年疫情以来最高水平[5] - 美国劳工统计局下调5月和6月就业创造数据 7月仅新增73,000个工作岗位[5] - 换工作带来的薪资涨幅已下降至约7% 较2019年水平下降超过3个百分点[8] 不同群体就业行为差异 - Gen Z员工和男性员工在未来六个月内留守现岗位的可能性最高[4] - 22至27岁应届大学毕业生经历十多年来最高失业率水平[16] 影响因素分析 - 生活成本压力、通胀担忧和全球政治不确定性使员工视岗位变更为高风险行为[6] - 人工智能对岗位安全的潜在影响引发广泛忧虑 自动化正扩展到传统认为安全的领域[7] - 薪酬、岗位安全、健康福利和灵活工作安排成为员工留守现雇主的主要原因[10] 组织层面影响 - 2025年多家公司自愿离职率接近零 引发对组织创新停滞的担忧[15] - 过度岗位坚守可能阻碍组织创新和技能发展 尽管低流动率通常有利于降低招聘成本[15] - 经验丰富员工坚守岗位导致新入职者机会减少 形成人才流动受限的循环[16][17] 员工行为变化 - 岗位坚守员工表现出压力增加 影响团队动态[9] - 员工更注重展示自身优势而非承担可能暴露弱点的关键任务[9] - 部分员工在维持现岗位同时承担额外职责 部分员工因市场恐惧而滞留已不适配的岗位[9] 长期职业发展影响 - 留守现岗位员工牺牲潜在收入增长 换工作者通常获得更高薪资涨幅[12] - 过度安于现岗位可能导致停止追求额外职责或学习新技能 影响长期市场竞争力[13] - 专注岗位安全而非成长可能逐步降低绩效标准或产生变革抗拒[14]