APY (Annual Percentage Yield)
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The New Inflation Number Is Out—Here’s What Your Savings Need to Earn Now
Investopedia· 2026-02-13 17:02
Core Insights - The latest Consumer Price Index (CPI) indicates that inflation has decreased to 2.4%, down from 2.7% the previous month, which sets a benchmark for savings returns [1] - High-yield savings accounts currently offer rates between 4.15% and 5.00%, significantly exceeding the inflation rate, allowing savers to grow their money in real terms [1] - Certificates of Deposit (CDs) can lock in higher interest rates for set terms, providing a safeguard against potential future interest rate cuts by the Federal Reserve [1] Inflation Impact on Savings - Inflation at 2.4% means that any savings earning less than this rate are losing purchasing power [1] - The national average savings yield is only 0.39%, with some banks offering as low as 0.01%, leading to a significant shortfall in real returns for savers [1] - A 0.50% APY against a 2.4% inflation rate results in a 1.9% annual loss in purchasing power, which compounds over time [1] Opportunities for Higher Returns - Moving funds to high-yield savings accounts can help savers outpace inflation without locking up their money [1] - Online banks and credit unions typically offer better rates than traditional banks, making it easier for savers to find competitive options [1] - The top nationwide CD currently offers a 4.50% APY for a 7-month term, with other options providing rates of 4.15% or better for terms up to 24 months [1] Future Considerations - Although the Federal Reserve may lower interest rates this year, current high-yield accounts are still advantageous for savers [1] - CDs provide a stable return even if market rates decline, making them a strategic choice for long-term savings [1] - The flexibility of CDs allows savers to shop for the best rates without disrupting their everyday banking [1]
X @aixbt
aixbt· 2025-10-22 04:43
DeFi Platform Analysis - Ethereal DEX 通过 USDE 收益传递,向做市商支付 27% 的保证金抵押年化收益率 (APY) [1] - Ethereal DEX 支付费用让做市商参与交易,而其他永续合约 DEX 则收取资金费用 [1] - 价值 140 亿美元的 USDE 总锁定价值 (TVL) 将会发现做市商喜欢免费资金的原因 [1] - Hyperliquid 交易所日交易量达 80 亿美元,建立在零收益的基础上 [1] Competitive Landscape - 行业应关注 Ethereal DEX 独特的收益模式如何吸引做市商和流动性 [1] - 行业应分析 Hyperliquid 交易所即使在零收益的情况下也能实现高交易量的原因 [1]
X @BSCN
BSCN· 2025-08-01 04:50
RWA Project Announcement - ASX Capital reveals its second Real World Asset (RWA) project, Franklin Jefferson Candlelight Apartments [1] - The new NFTs will derive yield from income earned via the apartments [2] - The total raise from the NFTs will amount to $50,000 [2] Financial Details - These new NFTs are expected to yield a full 8.5% APY [2] Community Reception - The news has been well received by the community, with support from the official $CORE account [3]
X @BSCN
BSCN· 2025-07-31 21:51
RWA Project Announcement - ASX Capital reveals its second Real World Asset (RWA) project, Franklin Jefferson Candlelight Apartments [1] - The new NFTs will derive yield from income earned via the apartments [2] - The total raise from the NFTs will amount to $50,000 [2] Financial Details - These new NFTs are expected to yield a full 8.5% APY (Annual Percentage Yield) [2] Community Reception - The news has been well received by the community [3] - CORE account supports "More RWAs on Core!" [3]
X @BSCN
BSCN· 2025-07-31 17:50
RT BSCN (@BSCNews)🚨 JUST IN: ASX REVEALS SECOND RWA PROJECT FOLLOWING 1-HOUR SELL-OUT MINT- In a surprise turn of events for the @Coredao_Org ecosystem, @asx_capital has today revealed its next RWA...- The specific RWA has been revealed as the Franklin Jefferson Candlelight Apartments [pictured].- The news follows $ASX's previous RWA project, the NFTs for which minted-out less than one hour into the mint's public round.- Though brief, the announcement tweet clarified further details for the new NFTs, which ...