ExodusPoint expects the European Central Bank to cut interest rates twice more in the first half of next year — a contrarian call given markets favor no more reductions. https://t.co/IX5BWYoLrH ...

Core Insights - Cash investments have been favorable for investors in a volatile market due to high interest rates, with high-yield savings accounts and U.S. Treasury notes providing attractive yields [1][2] - As interest rates decline, yields on cash-heavy accounts are expected to drop significantly, making cash less appealing compared to dividend ETFs [2][4] Group 1: Interest Rate Trends - High-yield savings accounts have seen a decrease from an average interest rate of 5.1% in March to around 4% in November [3][7] - Analysts predict that rates on cash-heavy accounts could fall to approximately 3.5% if the Federal Reserve cuts rates two more times before mid-2026 [4] Group 2: Inflation Impact - The real return on cash investments is diminished by inflation; for instance, a 3% inflation rate against a 4% yield results in a real return of only 1% before taxes [4] - After accounting for federal and state taxes, many investors may only break even on their cash returns [5] Group 3: Investment Alternatives - Dividend ETFs are highlighted as a more attractive option, offering competitive yields and the potential for payout growth over time [5][6] - Specific ETFs mentioned include Schwab U.S. Dividend Equity ETF (SCHD) with a 3.88% yield and Vanguard High Dividend Yield ETF (VYM) with a 2.51% yield, which includes stocks from major companies like Broadcom and JP Morgan [7]

Romania’s central bank held interest rates unchanged at the last policy meeting of a year in which the Black Sea nation endured a deep political crisis and market turmoil. https://t.co/WDUhmp7P1B ...

“They've gotten comfortable enough that this is an environment that they can operate in and do deals in. I don't know that they're fully comfortable that they can really forecast everything,” said Todd Dubner, a principal and deal advisory and strategy leader for industrial manufacturing at KPMG US. “But that's not dissuading them from starting down the deal path.”KPMG’s report noted that aerospace and defense deals were notably down earlier in the year, while sectors such as automotive continued to be acti ...

Romania’s policymakers are poised to keep interest rates unchanged at their last meeting of a year that was marked by a political crisis and market turbulence https://t.co/SJIZK9ky27 ...

Monetary Policy & Inflation - The Fed's 2% inflation target is considered by some to be above the original dual mandate, with a zero percent target preferred for pure price stability [2] - The Fed aims for stable inflation, but its track record in achieving this is questionable [3] - A little bit of deflation is considered a natural part of economic development due to technological and productivity improvements [6] - Current inflation measures, such as the Consumer Price Index (CPI) and the Personal Consumption Expenditures (PCE) indicator, may not accurately reflect the price inflation experienced by average American families [8] - The Fed's deliberate debasement of purchasing power necessitates inflation adjustments, creating confusion [9] Interest Rates & Economic Impact - The Fed's method of curbing inflation by restricting growth is questioned, particularly its reliance on Keynesian models that ignore the impact of lower taxes and less regulation on increasing supply [12][13] - High interest rates restrict access to capital, hindering real prosperity gained through the production of goods and services [15][21] - The Fed's actions empower the government at the expense of the private sector, especially small and medium-sized businesses [14] - Lowering rates is suggested to stimulate small business hiring by improving access to capital [21] Fiscal Policy & Government - Perpetual deficit spending is viewed as immoral and corrupt, creating purchasing power based on future, unproduced goods and services [16] - A balanced budget is crucial, and the inability to manage government finances is demoralizing [22][23] Alternative Monetary Solutions - A proposal suggests Treasury should issue a gold-backed long-term bond to compensate for losses in purchasing power, potentially competing with assets like Bitcoin [17] - Relinking the dollar to gold could be a cost-effective way for the government to borrow and signal a move towards sound finances [19][20]

Brazil’s annual inflation slowed more than expected in October, as high interest rates begin to cool prices in Latin America’s biggest economy https://t.co/KzJIiQV2gr ...

Bank of England policymaker Megan Greene signaled she continues to back keeping interest rates on hold, despite figures showing UK unemployment climbing to its highest rate since the pandemic https://t.co/XEGNL7hKuC ...

Group 1 - Investing in long duration bonds is favorable when interest rates are declining, but the current rate environment is volatile since the last Fed meeting [1] - There is an opportunity to secure high short-term yields amidst the fluctuating interest rates [1] Group 2 - The article emphasizes the importance of informed decision-making in finance, aiming to empower readers with insights and analysis [1]

I want to talk about the top issue for voters in last week's election and I would say most elections, the economy, affordability, and housing. Now, for millions of Americans, buying a home is financially out of reach. Today, this number might surprise you.The average age of a firsttime home buyer is a record high, 40 years old. That is why President Trump says he is proposing what his administration is calling quote a complete gamecher. A 50-year fixed rate mortgage.So, what does that actually mean for you. ...