Money market accounts (MMAs) can be a great place to store your cash if you're looking for a relatively high interest rate along with liquidity and flexibility. Unlike traditional savings accounts, MMAs typically offer better returns, and they may also provide check-writing privileges and debit card access. This makes these accounts ideal for holding long-term savings that you want to grow over time, but can still access when needed for certain purchases or bills. Find out which banks have the best MMA rat ...

Core Insights - Deposit account rates are declining, but competitive returns on certificates of deposit (CDs) can still be locked in, with the best CDs offering rates above 4% [1] Group 1: Current CD Rates - The best short-term CDs (six to 12 months) currently offer rates around 4% to 4.5% APY, with the highest rate at 4.1% APY available from Marcus by Goldman Sachs, Sallie Mae, and Synchrony [2] Group 2: Historical Trends - CD rates were relatively high in the early 2000s but began to decline due to economic slowdowns and Federal Reserve rate cuts, with average one-year CDs at around 1% APY by 2009 [3] - The trend of falling CD rates continued into the 2010s, with average rates for 6-month CDs dropping to about 0.1% APY by 2013 [4] - Between 2015 and 2018, CD rates improved slightly as the Fed increased rates, but the COVID-19 pandemic led to emergency rate cuts, causing new record lows for CD rates [5] - Following the pandemic, the Fed hiked rates 11 times between March 2022 and July 2023, resulting in higher APYs for savings products, including CDs [6] Group 3: Future Expectations - As of September 2024, the Fed has started cutting the federal funds rate, leading to a decrease in CD rates from their peak, although they remain high by historical standards [7] - Traditionally, longer-term CDs offered higher interest rates, but currently, the highest average CD rate is for a 12-month term, indicating a flattening or inversion of the yield curve [8] Group 4: Choosing the Best CD - When selecting a CD, factors such as goals, type of financial institution, account terms, and inflation should be considered to ensure the best fit for individual needs [9]

Core Insights - JP Morgan Private Bank's 2026 Global Investment Outlook highlights the impact of artificial intelligence (AI), global fragmentation, and inflation on investment strategies, emphasizing the need for a refreshed investment playbook [1][3] - The report identifies AI as a key driver of industry transformation, cost reduction, and productivity growth, while also noting its influence on labor markets and investment activities [2][4] - The increasing fragmentation of the global economy and changes in inflation dynamics since 2022 are significant themes that investors must navigate [3][4] AI and Market Dynamics - AI is reshaping industries and generating new investment opportunities, although concerns about potential overvaluation exist [2] - Current AI developments are viewed as grounded in economic and technological trends rather than speculation [2] Global Economic Fragmentation - The emergence of new economic blocs and the reorganization of global supply chains are prompting investors to diversify their portfolios [4] - Regions such as North America, Europe, Asia, and Latin America are adapting their strategies in response to changing trade, security, and currency dynamics [3] Inflation and Investment Strategies - Persistent inflation and rising government deficits are contributing to increased volatility in the investment landscape [4][5] - Structural factors, including capacity constraints and consumer spending patterns, are expected to sustain inflationary pressures in the medium term [5] Portfolio Construction - Bonds remain essential for portfolio construction, but investors are encouraged to explore options beyond traditional fixed income to address ongoing inflation and rate volatility [6]

Photo: Pressmaster/Envato Moneywise and Yahoo Finance LLC may earn commission or revenue through links in the content below. What is the major fear preventing retirees from enjoying retirement? Depleting their savings. The average American between the ages of 65 and 74 had about $609,000 in retirement savings, according to the most recent survey by the Federal Reserve. Moreover, a solid 79% of retirees between the ages of 65 and 80 say they have enough money to live comfortably in retirement, according ...

Federal Reserve Governor Christopher Waller argued for "continuing rate cuts" on Monday, stating he supports cutting the Fed’s policy rate at its next meeting in December to manage risks from a deteriorating labor market.Waller Bats For Cuts, Harping On ‘Weak Labor Markets’Speaking in London, Waller identified the “weak labor market” as his primary focus, overriding concerns about inflation. “I am not worried about inflation accelerating or inflation expectations rising significantly,” Waller said in prepar ...

It is time now for money, power, politics. The president is getting ready to host Saudi Arabia's crown prince Muhammad bin Salman. This will be the crown prince's first trip to the United States since the killing of journalist Jamaal Kosigible seven years ago, which US intelligence agencies have said bin Salman likely ordered.The New York Times reports that this visit comes just as the Trump Organization, the family business, is in talks about a real estate deal with the Saudi government. According to the T ...

Hungary is poised to hold the EU’s highest key interest rate unchanged for a 14th month as policymakers focus on supporting the forint to help rein in above-target inflation https://t.co/jGrpRhDs7o ...

Core Insights - Yum! Brands is a global leader in the fast-food industry, operating well-known chains like KFC, Taco Bell, and Pizza Hut, with a strong market presence and innovative strategies [1] - The company is recognized for its solid fundamentals, with KFC and Taco Bell performing well, helping to counter inflation and maintain stable revenue growth [2] - Despite its strengths, Yum! Brands appears overvalued, trading above historical price-to-earnings averages, which may deter value investors [3] Financial Performance - Yum! Brands has a market capitalization of approximately $41.1 billion, indicating significant size in the industry [4] - The stock has shown a trading range between a high of $163.30 and a low of $122.13 over the past year, with today's trading volume at 1,942,644 shares, reflecting active investor interest [4] - The company benefits from solid cash flow and effective debt management, which are crucial for financial health [2] Strategic Considerations - Yum! Brands is considering divesting Pizza Hut, which could improve margins and liquidity, thereby enhancing shareholder value [2] - Chris O'Cull from Stifel Nicolaus set a price target of $160 for Yum! Brands, suggesting an 8.09% potential upside from its current price of $148.03 [1] Market Trends - The stock's current price of $148.03 reflects a decrease of 0.66% today, with a trading range between $148.02 and $149.72, indicating early signs of bearish trends that could limit upside potential [3]

More Americans spend 95% of their income on basic necessities in 2025. Investopedia / Photo Illustration by Alice Morgan / Getty Images Close KEY TAKEAWAYS More families are living paycheck to paycheck as inflation continues to rise nationwide, but some regions are experiencing higher cost increases than others. Living paycheck to paycheck means that a household spends more than 95% of its income on necessities, according to Bank of America. In the third quarter of 2025, nearly a quarter of American househo ...

A shopper compares beef prices at a grocery store. Joe Raedle / Getty Images Close Key Takeaways Move over eggs: Soaring beef prices are the latest talking point when it comes to expensive groceries. Tariffs on imported beef, along with import taxes on imported fertilizers and metals used by domestic ranchers, have contributed to higher beef costs, though experts said other factors are also helping push U.S. meat prices higher. Beef Importers And Tariffs The U.S. is the world's largest beef producer, but it ...