Best CD Rates Today After Fed Rate Cuts Introduction The Federal Reserve recently cut its benchmark interest rate to 4.00%–4.25% , the first move in an easing cycle. This shift has many savers asking: what are the best CD rates today after Fed rate cuts? Certificates of Deposit (CDs) are still yielding higher than they did just a few years ago, but momentum is starting to shift. Locking in now, or choosing the right term, could mean the difference between maximizing returns and watching yields slip away. How Fed Cuts Impact CD Rates When the Fed lowers rates, banks gradually adjust the yields they pay on CDs. Short-term CDs (3–6 months) usually fall first because they move with market expectations. Long-term CDs (3–5 years) adjust more slowly, sometimes staying attractive even as the Fed eases. Future cuts are already signaled for later this year, meaning today’s competitive APYs may not last. Case Study: Locking vs. Laddering Let’s imagine a saver with ...
S&P 500 All-Time Highs as US Economy Cools The S&P 500 reaching all-time highs while the US economy shows signs of cooling has left many investors questioning what comes next. On one hand, slowing growth suggests caution; on the other, strong corporate earnings and expectations of Federal Reserve rate cuts are fuelling optimism. Let’s break down what’s happening, why it matters, and how you can position yourself in this unique market environment. Why Is the S&P 500 Hitting New Highs? Despite concerns about slower economic growth, several key factors are driving the index upward: Earnings resilience: Many large-cap companies, especially in tech and healthcare, continue to report strong earnings. Fed rate cut expectations: Investors are betting that cooling inflation and weaker data will push the Fed to cut rates sooner, boosting equity valuations. Global capital inflows: As US markets remain more stable than many international economies, foreign investors are channeling m...