Gold edged higher, after two days of losses spurred by fading optimism the US Federal Reserve will cut interest rates next month https://t.co/zf72gcsr7m ...

Core Insights - In 2023 and 2024, securing a certificate of deposit (CD) with an interest rate of 5% or more was relatively easy due to the Federal Reserve's aggressive interest rate hikes to combat inflation, but current high-interest CDs now offer yields closer to 3% or 4% [1] - The Vanguard Emerging Markets Government Bond ETF (NASDAQ: VWOB) is highlighted as a viable investment option for those seeking to earn 5% or more with minimal risk [2][5] Investment Vehicle Overview - The Vanguard Emerging Markets Government Bond ETF primarily invests in government bonds from emerging market countries, with approximately 14% of its holdings in Saudi Arabian bonds, followed by significant investments in Mexico, Turkey, Indonesia, and the UAE [3] - The ETF currently offers a yield of 5.67% and has a low expense ratio of 0.15%, suggesting that total income rates could exceed 5% annually, although the principal value may fluctuate [4] Market Context - With stock markets historically expensive and CD rates declining, investors are encouraged to explore alternatives for higher yields, making the Vanguard Emerging Markets Government Bond ETF a promising option [5] - The Motley Fool Stock Advisor analyst team has identified other stocks they believe are better investment opportunities than the Vanguard ETF, indicating a competitive investment landscape [6][7]

Core Insights - The average home equity line of credit (HELOC) interest rate is currently under 8%, with a potential for limited decreases due to uncertainty around Federal Reserve rate cuts [1] - As of November 16, 2025, the average weekly HELOC rate is at its lowest for the year at 7.64%, based on specific credit criteria [2] - Homeowners have over $34 trillion in home equity, marking the third-largest amount on record [2] HELOC Rates and Market Dynamics - HELOC rates are influenced by the prime rate, which has recently fallen to 7.00%, and lenders may add a margin to determine the final rate [4] - The flexibility in pricing for HELOCs means that consumers should shop around, as rates can vary significantly based on credit scores and other factors [5] - Average national HELOC rates may include introductory rates that are temporary, leading to potential increases after the initial period [5] Usage and Benefits of HELOCs - Homeowners are likely to retain their low-rate primary mortgages, making HELOCs an attractive option for accessing home equity without refinancing [3][6] - HELOCs allow homeowners to borrow as needed, only paying interest on the amount drawn, which can be beneficial for managing cash flow [9] - The current market conditions make it a favorable time for homeowners with low primary mortgage rates to consider HELOCs for various expenses, including home improvements [11] Payment Structure and Considerations - A typical monthly payment example for a $50,000 HELOC at a 7.50% interest rate during the draw period is approximately $313, but rates are variable and can increase [12] - It is crucial for borrowers to understand the implications of variable rates and ensure they can manage potential increases in monthly payments [8]

📊 LATEST: Polymarket users are now predicting that the Fed won't change rates in December. https://t.co/WYNxGGCaxs ...

SBI to discontinue mCASH service after November 30, 2025: Here’s how customers can send money to third-party beneficiaries after thatWhich Post Office small savings schemes offer higher interest rates than FDs of many leading banks?Post Office small savings schemes are offering better returns than many leading banks’ fixed deposit schemes. Post office scheme interest rates are revised every quarter by the government. At present, below-mentioned post office schemes are offering 7% and above interest rates.In ...

Yahoo Finance head of news, Myles Udland, reports the day's latest market news for November 14, 2025. Bitcoin entered bear market territory as it suffered steep declines on Friday. The cryptocurrency has fallen 20% from its all-time record highs in October. Myles spoke with Ava Labs president John Wu about what's driving down the price. The likelihood of the Federal Reserve cutting interest rates at its upcoming December meeting is shrinking, with officials expected to disagree on what the right path forwar ...

Market Overview - The U.S. stock market experienced volatility, with the S&P 500 initially dropping 1.3% but later recovering to a gain of 0.4% [1] - The Nasdaq composite also saw a turnaround, gaining 0.6%, while the Dow Jones Industrial Average reduced its loss to 163 points, or 0.3% [1] AI Stocks and Nvidia - AI stocks, particularly Nvidia, were central to market movements, with Nvidia starting the day down 3.4% but recovering to a 2% gain [2] - Nvidia's stock has more than doubled in four of the last five years and is up 42% year-to-date, raising concerns about overvaluation [3] Economic Indicators and Interest Rates - The S&P 500 remains within 2% of its record high, indicating resilience despite recent fluctuations [4] - Lower interest rates could make stocks appear less expensive, as falling Treasury yields have been observed this year [7] - However, uncertainty surrounds potential future interest rate cuts by the Federal Reserve, with inflation remaining above the target [8][9] Company-Specific Developments - Walmart's stock edged down 0.2% following the announcement of CEO Doug McMillon's retirement, which had initially caused a 3.6% drop [5] - Nvidia's upcoming profit report is critical, as any shortfall could lead to further market declines due to its significant influence on the S&P 500 [6] Commodity Market - Bitcoin briefly fell below $95,000, a significant drop from nearly $125,000 in October, indicating sensitivity to interest rate changes [10] - Gold prices decreased by 2.4%, affected by higher interest rates which diminish its appeal as a non-yielding asset [11] Global Market Trends - International markets saw declines, with South Korea's Kospi dropping 3.8% and London's FTSE 100 falling 1.1% amid economic concerns [12]

It's Richard Bernstein, CEO and chief investment officer of Richard Bernstein Adviserss joins me. Okay, so basically you're positioning for a pause. Why is that.>> So Contessa, I think people have forgotten what the Fed's role actually is in the economy and that the Fed does not directly touch the economy. If the Fed is cutting rates, they do so explicitly to lower the cost of funding for banks, which the Fed hopes, keyword hopes will spur more lending, which they hope, again, that word will will spur more ...

COMPONENT. IF THEY ARE BECOMING LONG-DURATION ASSETS THEY WILL SWING WITH RATES. JONATHAN: TO THE FORCES I AM TALKING ABOUT PUT THE YEAR IN THE RALLY IN JEOPARDY.GEORGE: WE WILL GO THROUGH MANY CYCLES BEFORE WE GET TO THE TYPICAL YEAR END RALLY WHICH TYPICALLY KICKS OFF CLOSER TO THANKSGIVING INTO THE END OF THE YEAR. I THINK NOW WITH THE GOVERNMENT REOPENING WE WILL GET THE DATA. SOME DATA.NOT ALL OF IT. THE BURDEN OF PROOF IS THERE. YOU HAVE TO HAVE REALLY STRONG JOBS DATA TO TURN OFF THE FED.EVEN THOUGH ...

The tech-led selloff in US equities deepened Friday morning with key benchmarks dipping below support levels and mounting concerns the Federal Reserve may not cut rates at its next meeting https://t.co/cS3Ssfgwu1 ...