Federal Reserve rate cut

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Best high-yield savings interest rates today, September 19, 2025 (up to 4.25% APY return)
Yahoo Finance· 2025-09-19 10:00
Core Insights - The Federal Reserve has cut the federal funds rate three times in late 2024, leading to a decline in deposit interest rates from historic highs, yet high-yield savings accounts still offer rates above 4% APY [1][2] - The national average savings account interest rate is currently 0.40%, while top high-yield savings accounts can offer rates more than 10 times this average, with Poppy Bank offering the highest rate at 4.25% APY as of September 19, 2025 [2] - Online banks and credit unions are highlighted as key providers of competitive savings account rates, often offering rates between 4% and 5% APY, with online banks benefiting from lower overhead costs [4][5] Group 1 - High-yield savings accounts are a viable option for short-term savings goals, such as down payments or emergency funds, due to their accessibility compared to other deposit accounts [8] - Online banks typically have no monthly fees or minimum deposit requirements, making them attractive for consumers seeking high savings rates [4] - Credit unions, as not-for-profit entities, also provide competitive rates and fewer fees, although membership requirements may vary [5] Group 2 - Savings accounts are insured by the FDIC or NCUA, protecting deposits up to $250,000, making them a safe place for funds [6] - Despite high savings interest rates, they do not match the potential returns from market investments, which are necessary for long-term savings goals like retirement [7] - The importance of shopping around for the best savings account rates is emphasized, as interest rates can vary significantly among different banks and credit unions [3]
Average rate on a 30-year mortgage falls again, dips to lowest level since early October
Yahoo Finance· 2025-09-18 16:04
Group 1 - The average rate on a 30-year U.S. mortgage decreased to 6.26% from 6.35% last week, with a year-ago average of 6.09% [1] - The average rate on 15-year fixed-rate mortgages fell to 5.41% from 5.5% last week, compared to 5.15% a year ago [2] - The decline in mortgage rates is attributed to expectations of the Federal Reserve cutting rates for the first time since last year, with a quarter-point cut already implemented [3] Group 2 - The average rate on a 30-year mortgage has been mostly declining since late July, influenced by the Federal Reserve's interest rate policy and economic expectations [2][3] - The Federal Reserve projected it would lower its benchmark rate two more times this year, reflecting concerns over the U.S. job market [3]
Investors who thought Fed would give in to the President are 'delusional', says Jim Cramer
Youtube· 2025-09-18 00:05
Group 1 - The Federal Reserve's decision to implement a quarter-point rate cut aligns with the current economic conditions, balancing price stability with job growth, although the labor market is cooling off [1][2][3] - Market reactions were mixed following the announcement, with the Dow gaining 260 points while the S&P and NASDAQ experienced slight declines, indicating differing investor sentiments regarding future rate cuts and stock valuations [2][3] - There was no widespread support for a larger 50 basis point cut, leading to expectations of selling pressure in the market, as some investors anticipated a more aggressive stance from the Fed [3][4] Group 2 - The market's volatility post-announcement created potential buying opportunities, as the focus should be on how the bond market reacts rather than solely on the Fed's statements [5][6] - Bond prices fell while yields increased, reflecting a return to normal market conditions despite some criticism directed at the Fed for its cautious approach [6]
The Fed is set to cut interest rates. Here are the risks
Yahoo Finance· 2025-09-16 17:01
Top Federal Reserve policy makers are meeting Tuesday and Wednesday, with a highly anticipated interest rate cut expected. With the job market cooling and inflation no longer a major threat, economists expect a 0.25% cut in the benchmark Fed Funds Rate. Additionally, Morgan Stanley and Deutsche Bank expect the Federal Open Market Committee, the central bank's monetary policy making panel, to slash rates by 0.75% by year's end. Some analysts say the Fed will split on the rate cut amount, but will wind up ...
September Fed meeting kicks off in Washington, Trump files $15B lawsuit against the New York Times.
Yahoo Finance· 2025-09-16 14:56
Market Trends & Economic Indicators - US stock futures indicate a higher open, extending record runs, driven by better-than-expected retail sales growth of 061% in August [1] - Bank of America's fund manager survey shows the most bullish sentiment since February, with equity allocations at seven-month highs and cash balances at 39%, below the 4% threshold [3][4] - A record 58% of respondents in the fund manager survey say stocks are overvalued, and 77% expect stagflation [5][6] - August retail sales increased 06% month-over-month, exceeding expectations, with clothing and clothing accessories increasing about 1% and non-store retailers increasing about 2% [8][9][10] Federal Reserve & Monetary Policy - The Federal Reserve is kicking off its two-day policy meeting, widely expected to result in a 25 basis point rate cut [1][2] - The market is focused on the potential for further rate cuts and how the Fed perceives weakness in the labor market juxtaposed with inflation [2][3] Company Specific News - Oracle's shares are extending gains amid news of its involvement in a deal for TikTok [1] - President Trump filed a $15 billion defamation lawsuit against the New York Times, exceeding the newspaper's market capitalization of approximately $96 billion [15][17] - Warner Brothers Discovery shares are taking a hit after TD Cowan downgraded the stock to hold, with a potential bid at $20 per share but a risk of shares hitting $11 to $12 if the bid falls through [17][18] - Disney is acquiring a 2% equity stake in Webtune, with Webtune's shares surging 32% [18][20] AI & Technology - Alphabet reached a record high $3 trillion market cap, reflecting the market's appreciation of the AI opportunity [23] - AI models are improving faster than Moore's Law, potentially adding $5 trillion of economic value by making knowledge workers 10% more productive [30][25] - Microsoft took out 9000 people from their cost structure and are still growing at high or mid-teens growth rate and their cloud business is accelerating [35]
We're not here yet with the Fed: Investment strategist
Youtube· 2025-09-16 06:00
分组1 - Tesla's stock has increased by 63% over the past six months, rising from approximately $224 to around $48 [2] - Elon Musk purchased 2.5 million shares of Tesla for about $1 billion, marking his first open market purchase since February 2020, indicating his commitment to the company's growth beyond electric vehicles [1][2] - Tesla is currently among the top performers in the S&P and NASDAQ, contributing to a potential record close for the NASDAQ index [1][3] 分组2 - The Federal Reserve is expected to announce a rate cut, with predictions ranging from 25 to 50 basis points, which could impact market sentiment [4][5] - Concerns have been raised by major banks about the potential for a slowing economy following any rate cuts, which may affect investor confidence [5][6] - The yield curve indicates that while short-term rates may benefit from cuts, large-cap stocks might not see significant gains, whereas small-cap stocks could present investment opportunities due to their higher leverage [9][10] 分组3 - ProShares is utilizing a daily options strategy to generate income from small-cap stocks, specifically through writing calls on the Russell 2000 index [10][12] - The strategy has yielded an 8.6% gain over three months, demonstrating effective management of options to capitalize on market movements [13] - The approach allows for consistent income generation through premiums, making it an attractive option for investors seeking exposure to small-cap equities without direct interest rate risk [12][13]
X @Bloomberg
Bloomberg· 2025-09-16 00:42
Gold held a gain that saw it reach a fresh record, as investors bet on a Federal Reserve rate cut this week https://t.co/0G5cZhLevR ...
Ongoing inflation is more important than a Fed rate cut, says Charles Schwab's Kathy Jones
CNBC Television· 2025-09-15 19:13
Market Trends & Inflation - The bond market is heavily influenced by inflation, which is currently around 3% and edging higher, creating a stagflationary environment [3] - Inflation trends, rather than Federal Reserve actions, will primarily drive bond yields over the next 6 to 12 months [4] - There's hesitancy in longer-term bonds globally due to large fiscal deficits and concerns about inflation [6][7] Federal Reserve Policy & Impact - The market has already largely factored in the Federal Reserve cutting rates [2] - Cutting rates while the job market slows and inflation remains high presents a challenging situation for the bond market [3] - The Fed reducing its holdings of longer-term bonds raises concerns about whether private investors can compensate [7] - The possibility of the Fed matching its balance sheet maturities with Treasury issuance could impact long-term bond yields [10] - Quantitative tightening (QT) is important because the Fed's balance sheet management significantly influences borrowing costs [9] Mortgage Rates & Yield Curve - A Federal Reserve rate cut does not guarantee a decrease in mortgage rates; they could remain stable or even increase [4][5] - The yield curve may steepen even as the Fed cuts rates, as longer-term yields are influenced by inflation expectations, growth prospects, and supply and demand [5][6] - It's unlikely that mortgage rates will fall below 6% even after the anticipated Federal Reserve rate cut [8]
The Federal Reserve has an opportunity to cut rates by 50 basis points and send gold well above $3,700 - abrdn's Minter
KITCO· 2025-09-15 17:56
Neils ChristensenNeils Christensen has a diploma in journalism from Lethbridge College and has more than a decade of reporting experience working for news organizations throughout Canada. His experiences include covering territorial and federal politics in Nunavut, Canada. He has worked exclusively within the financial sector since 2007, when he started with the Canadian Economic Press. Neils can be contacted at: 1 866 925 4826 ext. 1526 nchristensen at kitco.com @Neils_cShareDisclaimer: The views expressed ...
ASX Market Open: Markets pricing in the slice before ‘cemented’ Fed Reserve rate cut | Sep 15
The Market Online· 2025-09-14 22:39
Group 1: Market Overview - The upcoming Federal Reserve rate cut is anticipated due to rising inflation and weakening labor data [1] - The ASX 200 is expected to open lower, with futures indicating a -0.7% loss [2] - Major indices like the S&P, Dow Jones, and FTSE closed in the red, while the Nikkei and Nasdaq saw slight gains of +0.9% and +0.4% respectively [3] Group 2: Company News - ANZ Group has been fined $240 million by Australia's corporate regulator for "engaging in unconscionable conduct," indicating issues in managing non-financial risks [4] - XRG's bid for Santos has a deadline approaching, with a $30 billion buy-up in negotiations that have been paused for four weeks [5] - Lendlease faces a crucial vote to fend off rival Mirvac from its $2 billion property fund [5] - Wildcat Resources confirmed the presence of spodumene at its Harry and Hermione prospects, generating interest on forums [5] Group 3: Commodity and Forex Update - The Australian dollar is trading at 66.4 cents against the US dollar [6] - Iron Ore prices increased by +0.4%, now at $105.90 per tonne [6] - Brent Crude is priced at $66.86 per barrel, while Gold remains strong at $3,646 [6] - US natural gas futures rose by +0.5%, reaching $2.96 per gigajoule [6]