美联储降息，会影响到谁？

Group 1 - The Federal Reserve's interest rate cut will have widespread effects, impacting everything from mortgages to investments and job opportunities [1] - Borrowers will benefit from lower interest rates on variable loans, including credit cards and mortgages, with a specific example showing a $120 monthly saving on a $400,000 mortgage if rates drop by 0.5% [1] - Savers and fixed-income individuals will face challenges as banks lower interest rates on savings accounts and CDs, which could drop from nearly 2% to below 0.1% during previous rate cuts [1] Group 2 - For investors, the impact of rate cuts is complex; lower financing costs can boost economic activity and benefit stock markets, particularly growth-oriented tech and real estate sectors [2] - Historical data indicates that the S&P 500 typically achieves positive returns within 6-12 months following the start of a Fed rate cut cycle [2] - Rate cuts can lead to short-term market volatility as they may signal economic recession, while also putting pressure on the dollar's value, increasing costs for consumers planning overseas travel or purchases [2]