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interest rates

What Is “Reflation”?

In recent years, inflation in the United States has remained below the Federal Reserve Bank’s target rate of 2 percent, despite the agency’s efforts to jumpstart economic growth with low interest rates. However, the election of Donald Trump infused the markets with the spark they needed. After an initial drop attributed to uncertainty, the stock market…

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The Science Behind Decision Making

In the 1940s, 90 percent of the stock market was owned by individual household investors. Today, with the widespread use of investment banking and mutual fund investing, individuals are responsible for trading only 20 percent of U.S. corporate equity. Do we no longer trust ourselves with investment decisions? You might think that, with so much…

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How Millennials can Still Build Equity Through Home Ownership

Financial experts have long touted that buying a home is a foundation for building long-term wealth. In fact, the younger a homeowner enters the housing market, the more potential he has for greater wealth over his lifetime. However, fewer young adults today are buying houses than in the past. This puts a damper on the…

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Why Convert a Roth IRA?

Investing in a traditional IRA while earning a paycheck is a good way to defer income taxes on the money you contribute. Currently, taxpayers who aren’t covered by a retirement plan at work may deduct the full amount of their annual contributions to a traditional IRA. Those who do participate in a work plan may…

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What Are TIPS?

Inflation has been unusually low for the past several years, but it can still have a big impact. Even if the inflation rate hovers around the Federal Reserve’s 2 percent target range, the buying power of a dollar would be reduced to 67 cents over a 20-year period. To help offset the impact of inflation,…

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Fed View on Interest Rates

In October, Federal Reserve Vice Chairman Stanley Fischer offered remarks concerning the state of the U.S. economy and some reasons for sustained low interest rates. He observed that the real interest rate could be considered the price that balances the economy’s savings reserves with its investment demand. To explain why interest rates are low, he…

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