The best way to plan for retirement is to assume that you’re not going to get any help. Unlike in previous generations, where corporate pensions could be relied upon to provide the bulk of retirement income, savings is much more of a “do-it-yourself” scenario these days. And although Social Security remains a bedrock of the American retirement system, there will undoubtedly be changes to the program in the future, as it’s projected to become insolvent in 2034. Fortunately, there are plenty of accounts, to ...

I want to start off with the question I think a lot of people are trying to figure out if uh if or where we should look for reaction in the bond market. Uh we have Bill Leaf from Milk and on as I just mentioned he said the long end of the curve is where he expects to see some type of reaction again if it's a prolonged shutdown. Do you agree with that thesis.>> You know I would say the long end uh is cheap on any metric because there's been concerns around the deficit the sell America trade after liberation ...

When you’re young, the savings strategy is pretty simple. Create a small emergency fund and put most of your money into equities. Stocks, real estate, crypto, and other investments can grow at a faster rate than the cash in your savings account. Learn More: ‘You’ll Run Out of Money in 20 Years’ — Why Retirees Are Rethinking Their Savings Strategy Consider This: 5 Cities You Need To Consider If You're Retiring in 2025 However, savings strategies change as people get older and their financial situations cha ...

When an adult inherits money, there is often freedom in how they can use it, unless specified otherwise through a will or estate plan. However, when a minor inherits money, it must be managed through a trust account because they are deemed too young to manage it by themselves. While this is a common method of estate planning, it can also create complications for the person managing the trust. Take Caroline, for example. Her sister passed away and left $100,000 in a trust for her 12-year-old nephew, and sh ...

美联储政策路径 - 核心PCE通胀率8月同比上涨2.2% 符合预期但高于美联储2%目标[3] - 美联储官员对政策路径存在分歧 部分认为应快速调整至中性政策 部分强调需维持限制性直至通胀达标[5][6] - 债券市场定价反映美联储明年将利率降至3%的预期 但12月可能暂停降息[2][3] 经济数据表现 - 第二季度GDP修正值强劲 个人收入与支出增长超预期[3][7] - 失业金申领数据显示劳动力市场温和降温而非崩溃[8] - 消费者对未来5-10年通胀预期升至4.7% disinflation势头减弱[4] 信贷市场动态 - 9月美国投资级债券发行量近2000亿美元 创历史第四高纪录[21][22] - 垃圾债券发行量突破480亿美元 创2020年以来新高[23][31] - 甲骨文发行180亿美元债券用于AI领域投资 包括罕见4年期品种[22][23] 期限利差与避险需求 - 美国/英国/日本30年期国债收益率9月以来下降15-25基点[17] - 长期国债避险属性显现 经济不确定性推动需求上升[18] - 抵押贷款证券相对公司债存在显著利差优势 成为对冲选择[34] 信用风险分化 - 甲骨文信用违约互换(CDS)升至5月以来高点[29] - 消费领域出现个体违约案例 但主要集中于次级借款人[38][39] - 高收益债利差处于数十年高位 需通过个券选择控制风险[32][36] 政策工具改革 - 美联储讨论以更广泛短期利率替代联邦基金利率作为新基准[14] - 改革旨在提高货币政策传导效率 但短期实施可能性较低[15][16] 行业融资特征 - 科技公司通过长债锁定AI投资资金 投资者接受度超预期[25][27] - 主动管理在利差收窄环境下凸显价值 个券选择成为关键[24][37] - 金融债相对非金融债存在配置价值 担保债券需分析具体结构[41] 短期风险事件 - 美国政府可能停摆 影响9月非农就业报告发布[19][43] - 预计9月新增就业5万人 失业率维持4.3% 时薪环比涨0.3%[45] - 特斯拉将公布生产和交付数据 欧洲市场表现疲软[44]

Investors will hone in on U.S. jobs data, where any signs of weakness could reignite prospects of a series of interest-rate cuts in the months to come. ...

Rather, they're deciding how much of their portfolio they want to keep in cash and choosing whether that share should be placed in money markets or similar products, most often savings accounts. In other words, "cash competes with cash," Crane said. Crane predicted the amount of cash in money markets will easily top $8 trillion before the end of the year.Peter Crane, the president of Crane Data and the publisher of the Money Fund Intelligence newsletter, said such admonitions overlook a common tendency in i ...

Cash feels like the safest bet to most people. It’s steady, predictable and always there when you need it. But according to Fidelity’s research, holding too much cash could quietly erode your wealth rather than protect it. With interest rates falling and inflation still creeping up, the value of cash is shrinking. While having some cash on hand is necessary for emergencies, Fidelity’s long-term data shows that cash has historically been the worst-performing asset class, significantly lagging behind stocks ...

Analysts note that it's unconventional for technology companies to offer bonds that mature in 40 years given how quickly tech can evolve. ...

Charles Schwab is eyeing a big push into the crypto space in early 2026. This as it contends with stock prices at record highs and a new generation of investors looking to get into the action. Caught up with Charles Schwabio Rick Worster for today's opening bid power player segment.Well, our our clients are really engaged. They're trading at about 30% more than they were last year. Uh we see margin balances up. We see more use of uh options.Our investors are really engaged in the market and I think there's ...