Deposit account rates are on the decline. The good news: You can lock in a competitive return on a certificate of deposit (CD) today and preserve your earning power. In fact, the best CDs still pay rates above 4%. Read on for a snapshot of CD rates today and where to find the best offers. Where are the best CD rates today? CDs today typically offer rates significantly higher than traditional savings accounts. Currently, the best short-term CDs (six to 12 months) generally offer rates around 4% to 4.5% AP ...

Economic Growth and Investment - The economy is performing well, with second-quarter growth at 8%, and a forecast of 3.5% to 4% growth for the third quarter [2][3] - There is a significant capital expenditure (capex) boom driven by policies that allow full expensing, contributing to a building boom [3][9] - Investment spending is at a multi-decade high, which is expected to enhance the economy's supply-side potential [9] Interest Rates and Monetary Policy - The neutral interest rate is likely lower than market expectations, suggesting that rates should be lower to stimulate economic activity [1] - High interest rates are currently impacting the economy, but there are concerns that cutting rates too much could lead to excessive debt issuance and potential market bubbles, particularly in AI [4][5] - The yield curve remains flat, indicating that inflation expectations are well-anchored, and a capex boom could be disinflationary [6] Inflation and Wages - Inflation is primarily seen in services, with expectations that prices will decrease due to falling rents and increased housing supply [5][6] - Real blue-collar wages have increased by 1% in the first nine months of the year, marking one of the strongest performances for any new administration [12] - Policies such as the working families tax cut are expected to raise wages through capital investment, which will help address cost of living issues [10][12]

Core Viewpoint - The upcoming Federal Reserve meeting is expected to result in a 25 basis point rate cut, but the focus will be on the dispersion of views among Fed members and the accompanying economic projections [2][3][5]. Market Reactions - The market is likely to see a steeper yield curve as the Fed cuts interest rates, with expectations that short-term yields will decrease while long-term yields remain elevated around the 4% mark [6][7]. - Recent sell-offs in the bond market may indicate shifting expectations regarding the Fed's future rate cuts, with concerns about the next Fed chair potentially influencing market sentiment [8][9]. Key Economic Indicators - The labor market will be a critical focus for the Fed, with upcoming reports such as the JOLTs report and unemployment claims being significant indicators of economic health [11][12]. - A softening labor market could lead the Fed to consider additional rate cuts, impacting overall market dynamics [13].

For investors seeking momentum, Invesco KBW Bank ETF (KBWB) is probably on the radar. The fund just hit a 52-week high and rose 58.9% from its 52-week low price of $51.13/share.But, are more gains in store for this ETF? Let’s take a quick look at the fund and the near-term outlook to get a better idea of where it might head:KBWB in FocusThe underlying KBW Nasdaq Bank index is a modified-market capitalization-weighted index that seeks to reflect the performance of companies that do business as banks or thrif ...

Core Points - The article discusses the importance of following updates from freelance writers focused on ETFs, portfolio management, and macroeconomic trends [1] Group 1 - The article emphasizes the value of real-time notifications for new articles and blog posts [1]

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 from Marcus by Goldman Sachs and Sallie Mae [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][4] - 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] - A slight improvement in CD rates occurred between 2015 and 2018 as the Fed gradually increased rates, but the COVID-19 pandemic led to emergency rate cuts, causing new record lows [5] - Following the pandemic, the Fed hiked rates 11 times between March 2022 and July 2023, resulting in higher APYs on 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 Viewpoint - The article discusses the impact of rising Japanese Government Bond (JGB) yields on global markets, particularly in relation to U.S. Treasury yields and potential Federal Reserve actions. Group 1: Japanese Market Developments - JGB yields are at a decade high for 10-year bonds and a 17-year high for 2-year bonds, indicating a shift in market expectations towards a potential rate hike by the Bank of Japan (BOJ) in December [4][5]. - The increase in JGB yields is contributing to a rise in U.S. Treasury yields, reflecting a global market interconnectedness [3][5]. Group 2: U.S. Market Reactions - The U.S. market is experiencing a "risk-off" day, with Treasury yields moving up as a reaction to developments in Japan [5]. - There is speculation regarding the potential appointment of Kevin Hasset as the new Fed chair, which could influence market perceptions of Fed independence and lead to higher long-term yields [8][9]. Group 3: Interest Rate Expectations - The market is currently pricing in an over 80% chance of a rate cut by the Fed, but there are concerns that a new Fed chair aligned with the White House could create uncertainty, potentially leading to higher long-term yields [10][16]. - The 10-year Treasury yield is expected to remain rangebound, with a possible floor at 3.75% unless there is significant weakening in the labor market or higher expectations for rate cuts [15][16]. Group 4: Psychological Levels in the Market - The 4% level for the 10-year Treasury yield is identified as a psychological barrier, with the market struggling to maintain levels below this threshold [12][14].

Core Insights - The interest-rate markets are experiencing increased trading activities, with expectations for continued opportunities into 2026 due to macroeconomic factors [1] - Major Wall Street banks like JPMorgan, Bank of America, and Goldman Sachs are projected to see rising fixed-income trading revenues in the upcoming quarters [2] - Divergent interest rate policies among global central banks are prompting investors to rebalance their portfolios, leading to heightened trading activity [4][5] Company Performance - For the nine months ending September 30, 2025, JPMorgan's fixed-income market revenues rose 14% year-over-year to $17.2 billion [3] - Bank of America reported a 9.6% year-over-year increase in its fixed-income, currencies, and commodities trading revenues [3] - Goldman Sachs experienced an 8% year-over-year increase in its fixed-income trading revenues [3] Market Dynamics - Rising fiscal deficits are leading governments to issue more bonds, increasing trading volumes in the bond market [7] - A steepening yield curve, where long-term interest rates rise faster than short-term rates, is driving various trading behaviors such as hedging and speculation [8] - The increase in fixed-income trading activities is expected to benefit major dealers like Goldman Sachs, JPMorgan, and Bank of America [6]

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 from Marcus by Goldman Sachs and Sallie Mae [2] - The trend of falling CD rates has reversed since the pandemic, with the Federal Reserve hiking rates 11 times between March 2022 and July 2023, leading to higher APYs on savings products, including CDs [6] Group 2: Historical Context - CD rates were relatively high in the early 2000s but began to decline due to economic slowdowns and Federal Reserve rate cuts, reaching around 1% APY for one-year CDs by 2009 [3] - The average rates on 6-month CDs fell to about 0.1% APY by 2013, reflecting the impact of the Fed's near-zero benchmark interest rate policy following the Great Recession [4] - A slight improvement in CD rates occurred between 2015 and 2018 as the Fed gradually increased rates, but the COVID-19 pandemic led to emergency rate cuts, causing new record lows [5] Group 3: Understanding CD Trends - 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 [7][8] - Factors to consider when choosing a CD include goals for locking away funds, type of financial institution, account terms, and the impact of inflation on returns [9]

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 from Marcus by Goldman Sachs and Sallie Mae [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] - A slight improvement in CD rates occurred between 2015 and 2018 as the Fed gradually increased rates, but the COVID-19 pandemic led to emergency rate cuts, causing new record lows [5] - Following the pandemic, inflation prompted the Fed to hike rates 11 times between March 2022 and July 2023, resulting in higher APYs on savings products, including CDs [6] Group 3: Current Market Dynamics - 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]