在2022年及2023年初，美联储为应对40年来最高通胀而迅速将利率上调至5%以上。自2024年末开始， 随着通胀压力有所缓解，美联储的政策制定机构FOMC开启降息进程。上周，在越来越多美联储官员对 美国国内劳动力市场走弱的担忧情绪之下，美联储将联邦基金利率目标区间下调至3.50%—3.75%，为 三年来最低水平。 华尔街各大银行业巨头们在美联储的准备金余额会按IORB(Interest on Reserve Balances)计息，IORB是 美联储实施货币政策、影响短端利率的核心工具之一。 当政策利率下调时，IORB通常也会下调，这意味着"躺在美联储账户里的现金"收益会跟着下降。美联 储2025年12月10日的FOMC声明显示，联邦基金利率目标区间已显著降至3.50%–3.75%。所以，摩根大 通把"高利率时期很好赚"的准备金资产，换成能在更长时间锁定高收益的国债资产，是很标准的"降息 下的资产再配置"。 因此摩根大通在用实际的资产配置"押注降息大概率还会继续下去，至少推动短端美债收益率回落持 续"。从"长期限美债收益率"角度而言，则可谓边际性质的利好。 据美国媒体报道，华尔街金融巨头摩根大通(JPM.U ...

智通财经APP获悉，据美国媒体报道，华尔街金融巨头摩根大通(JPM.US)自2023年以来已从其在美联储 的账户中撤出近3500亿美元现金，并几乎将同等规模的资金用于累计配置美国政府所发行的国债。摩根 大通此举可谓旨在为利率长期下行以及长期较低利率做准备工作，以对冲未来利率下行对净利息收入 (NII/NIM)的挤压，对于有着"全球资产定价之锚"称号的10年期美债收益率，以及更长期限的美债收益 率的下行趋势而言可谓边际利好。 有媒体援引行业数据追踪机构BankRegData汇编的数据报道称，这家资产规模超过4万亿美元的超级商 业银行，将其在美联储账户的余额从2023年末的4090亿美元降至2025年第三季度的630亿美元。 与此同时，媒体报道称，摩根大通将其美国国债市场的持有量从2310亿美元大幅提高至4500亿美元，这 也意味着即使美联储在特朗普提名的鸽派主席主导下持续下调利率也能确保较高收益率。 这些举措显示，这家美国最大规模商业银行正在调整其本身的配置，以抵消其停放在美联储的现金所能 获得的利息下降。据媒体报道称，该机构在央行的账户可以通过存款利息轻松获利，而摩根大通向许多 存款人支付的利息却几乎为零。 ...

美国最大银行的一项重大资产调配，可能正在揭示近期市场流动性紧张的部分原因。 摩根大通近日正将其数百亿美元的现金储备从美联储撤出，转而大举买入美国国债。这一旨在对冲利率下行风险的策略 性举动，因其巨大体量对整个银行系统的流动性产生了显著影响，并引发了市场关于2019年回购危机是否会重演的激烈 讨论。 据行业数据追踪机构BankRegData汇编的最新数据显示，自2023年底以来，摩根大通已将其在美联储的存款余额从4090亿 美元大幅削减至今年第三季度的630亿美元，提取了近3500亿美元。与此同时，该行在同一时期内持有的美国国债规模从 2310亿美元激增至4500亿美元。 据英国《金融时报》分析，摩根大通提取资金的规模之大，足以抵消全美其余4000多家银行在美联储资金流动的总和， 成为导致系统准备金净流出的决定性因素。数据显示，自2023年底以来，所有美国银行在美联储的存款总额从1.9万亿美 元降至约1.6万亿美元。这意味着，如果剔除摩根大通的操作，美国银行系统的总准备金实际上是增加的。 此举凸显了这家资产超过4万亿美元的银行巨头，如何为高利率时代的结束做准备。过去，银行可以将现金存放在美联储 赚取高额利息，而 ...

Core Insights - Contribution rates to workplace retirement plans are often set early in a career and may remain unchanged for years, significantly impacting long-term retirement readiness [2][4] - Most workers lack awareness of how their contribution rates compare to others, making it difficult to assess if they are on track for retirement [3][5] Contribution Rates by Age and Income - J.P. Morgan's 2025 report indicates that contribution rates increase with age: Gen Z averages 3.7%, Millennials 5.0%, Gen X 6.0%, and Baby Boomers just over 7%, all below the recommended 10% [6][9] - Higher earners contribute more, but even among top earners nearing retirement, average rates are under 9%, indicating a broader trend of insufficient contributions [8][11] Impact of Contribution Increases - A 1% increase in contribution rates can lead to significant long-term benefits; for example, a worker increasing from 5% to 8% in their mid-20s could accumulate about $84,000 more by retirement compared to someone who does not increase their rate [14][15] - Timing of contribution increases is crucial; a late increase yields much lower additional savings, highlighting the importance of early adjustments [15] Strategies for Improvement - Small, manageable increases in contribution rates are recommended, as they are easier to sustain and can have a meaningful long-term impact [16][19] - Automation of annual increases in contribution rates can help maintain consistent growth without requiring annual decision-making [17] - Ensuring full utilization of employer match programs can enhance total savings rates without significantly increasing personal contributions [18]

香港联交所最新数据显示，12月12日，摩根大通减持中国铁塔（00788）401.9718万股，每股作价 12.2516港元，总金额约为4924.8万港元。减持后最新持股数目约为2.78亿股，持股比例为5.96%。 香港联交所最新数据显示，12月12日，摩根大通减持中国铁塔（00788）401.9718万股，每股作价 12.2516港元，总金额约为4924.8万港元。减持后最新持股数目约为2.78亿股，持股比例为5.96%。 责任编辑：卢昱君 责任编辑：卢昱君 热点栏目 自选股 数据中心 行情中心 资金流向 模拟交易 客户端 热点栏目 自选股 数据中心 行情中心 资金流向 模拟交易 客户端 ...

Hello and welcome to Market Domination. I'm Josh Lipton live from our New York headquarters. There's just an hour to go until the closing bail and stocks falling here as investors weigh what the latest data and Fed speak mean for rate cuts. Let's welcome in now Jared Blickery joining us to break down the headlines. Jared, what are you seeing in the markets? >> Thank you, Josh. Seeing a bit of weakness in tech yet again. This would be three out of four days. But let's check out the Dow first. Down only about ...

Bitcoin remains volatile after hitting record highs earlier in 2025. Will crypto markets shift towards tokenization and stable coin adoption. Hi everyone, I'm Jenny Horn and this is Crypto Corner here on Schwab Network.With Bitcoin rangebound in the high 80s and low 90s this week, we are going to focus on some of the stories that could impact the crypto industry moving forward. Joining us now to discuss some of the recent volatility is Adam Lynch, director at the Schwab Center for Financial Research. Adam, ...

JPMorgan Chase & Co. (NYSE:JPM) is included among the 12 Best Dogs of the Dow to Invest in. JPMorgan (JPM) Launches Tokenized Money Fund for Investors Image by Steve Buissinne from Pixabay According to a report by the Wall Street Journal, JPMorgan Chase & Co. (NYSE:JPM) is stepping into a new corner of finance by bringing blockchain technology to a familiar product: the money-market fund. The bank’s $4 trillion asset-management business is launching its first tokenized money fund. Instead of traditional ...

subman / iStock Unreleased via Getty Images Quick Read JPMorgan Active Value ETF holds a 24% weighting in financials and 16% in healthcare with individual positions capped at 3%. JPMorgan Tech Leaders ETF maintains all 62 holdings below 5% weighting to reduce single-stock concentration risk. If you’re thinking about retiring or know someone who is, there are three quick questions causing many Americans to realize they can retire earlier than expected. take 5 minutes to learn more here JPMorgan (N ...

America’s largest banks are on the way to close the year 2025 with historic stock prices, strengthening balance sheets and regulatory freedom, per a Yahoo! Finance report — and investors in banking ETFs are taking notice. • JPMorgan Chase stock is showing upward bias. Where is JPM stock headed?Bank stocks are performing well as compared to other stocks in the market.One major gauge that follows the largest lenders in the country is the KBW Bank Index (BKX), which is up 30% year to date, outperforming the S& ...