Fed yog npaj los coj tus mob. Koj puas tau npaj?
Lub lis piam dhau los, Tsoom Fwv Teb Chaws Reserve Chair Jerome Powell tau ceeb toom tias yuav muaj "Qee qhov mob rau tsev neeg thiab kev lag luam" raws li lub tuam txhab nyiaj hauv nruab nrab jacks nce cov paj laum los tawm tsam kev nce nqi uas siab dua li nws tau nyob hauv plaub xyoo lawm.
Powell thiab lwm tus tswv cuab ntawm Fed Tsoom Fwv Teb Chaws Qhib Kev Lag Luam Pawg Neeg sib phim Wall Street qhov kev cia siab rau hnub Wednesday nrog 75-piv-taw tes mus taug kev mus rau tsoomfwv cov nyiaj tau los, rov ua dua ntawm Fed's yav dhau los kev txiav txim siab nyob rau lub Rau Hli thiab Lub Xya Hli. Qhov kev nce no ib zaug ntxiv cuam tshuam rau credit-card tus nqi, qiv tsheb, qiv tsev thiab tau kawg, peev nyiaj tshuav nyiaj li cas.
Qhov no coj txoj cai tus nqi mus rau thaj tsam ntawm 3% mus rau 3.25%. Thaum lub sijhawm xyoo tas los no, nws tau ze li 0%. Tab sis tam sim no Fed tau xaum xaum ntxiv hauv 125-pab-point nce ua ntej xyoo kawg. Powell tau hais hauv lub rooj sib tham hauv xov xwm tom qab tshaj tawm tias "Peb yuav khaws nws mus txog thaum txoj haujlwm tiav,"
Qhov nruab nrab feem pua ntawm cov credit card tshiab yog tam sim no 18.10%, inching ze rau ib 18.12% APR kawg pom thaum Lub Ib Hlis 1996. Tsheb qiv tau mus txog 5% thiab cov nqi tsev qiv nyiaj ntaus 6% thawj zaug txij li xyoo 2008.
Tsis muaj qhov no tau ploj ntawm Wall Street. Dow Jones Industrial Nruab Nrab
DJIA,
yog poob 15.5% xyoo rau hnub tim thiab S&P 500
SPX,
yog tawm ntau dua 19%, rub los ntawm ntau yam kev txhawj xeeb, ib tug hawkish Fed suav nrog. Choppy trading nyob rau yav tav su tig qis dua tom qab tshaj tawm thiab Powell cov lus hais.
"'Kuv ntseeg tias Fed yuav tau ua rau mob yog tias lawv xav khaws lawv qhov kev ntseeg siab, uas peb ntseeg tias lawv yuav, thiab yog tias lawv tab tom nrhiav tiag tiag kom coj nyiaj txiag los tswj.'"
Rau ntawm 10 tus neeg hais tias lawv nyob nruab nrab lossis txhawj xeeb txog kev nce paj, raws li kev tshawb fawb tawm hnub Tuesday los ntawm Nationwide Retirement Institute. Ntau tshaj li ob feem peb cia siab tias cov nqi yuav nce siab dua, muaj peev xwm ntau dua, nyob rau rau lub hlis tom ntej.
Fed tab tom nce nqi qiv nyiaj rau crimp xav tau thiab kev nce nqi txias, hais tias Amit Sinha, tus thawj coj thiab tus thawj coj ntawm ntau cov cuab yeej cuab tam ntawm Voya Investment Management, cov cuab yeej tswj kev lag luam ntawm Voya Financial
VOYA,
"Kuv ntseeg tias Fed yuav tau ua rau mob yog tias lawv xav khaws lawv qhov kev ntseeg siab, uas peb ntseeg tias lawv yuav, thiab yog tias lawv tab tom nrhiav tiag tiag kom coj nyiaj txiag los tswj," Sinha hais.
Tab sis cov kws tshaj lij qhia tias tib neeg yuav tsum tsis txhob coj Fed qhov kev txiav txim siab dag. Tau txais cov nuj nqis raws li kev tswj hwm, lub sij hawm loj tus nqi-rhiab yuav khoom thiab txiav txim siab txog cov khoom lag luam rov qab tuaj yeem pab cuam tshuam qhov mob nyiaj txiag.
Them cov nuj nqis kom sai li sai tau
Neeg Asmeskas muaj kwv yees li $ 890 nphom hauv credit-card nuj nqis dhau lub quarter thib ob ntawm 2022, raws li Tsoom Fwv Teb Chaws Reserve Bank of New York. Ib daim ntawv ntsuam xyuas tshiab qhia tias ntau tus neeg tuav lawv cov nuj nqis ntev dua - thiab nrog nce APRs ua rau nws kim dua los nqa qhov nyiaj tshuav, lawv yuav tau them nyiaj ntau dua li qhov tshwm sim.
Tsom ntsoov rau chipping tawm ntawm cov nuj nqis siab, cov kws tshaj lij hais. Muaj tsawg tsawg cov khoom lag luam uas muab ob-tus lej rov qab, yog li nws them nyiaj kom tshem tawm cov credit-card tshuav nrog ob tus lej APRs, lawv nco.
Qhov ntawd tuaj yeem ua tau, txawm tias muaj kev nce nqi siab dua 8%, hais tias tus kws pab tswv yim nyiaj txiag Susan Greenhalgh, tus thawj tswj hwm ntawm Rhode Island-based Mind Your Money, LLC. Pib los ntawm kev sau tag nrho koj cov nuj nqis, rhuav tshem tus thawj tswj hwm thiab paj. Tom qab ntawd pab pawg tag nrho koj cov nyiaj tau los thiab kev siv nyiaj rau lub sijhawm, teev cov kev siv nyiaj los ntawm qhov loj mus rau me me, nws hais.
Nws tau hais tias "kev sib txuas ntawm qhov pom" yog qhov tseem ceeb. Cov neeg yuav muaj hunches txog seb lawv siv nyiaj li cas, Greenhalgh hais, tab sis "txog thaum koj pom nws dub thiab dawb, koj tsis paub."
Los ntawm qhov ntawd, tib neeg tuaj yeem pom qhov twg lawv tuaj yeem txiav cov nqi. Yog tias kev sib pauv hloov tau nyuaj, Greenhalgh coj nws rov qab rau qhov uas ua rau muaj kev mob nkeeg tshaj plaws. "Yog tias cov nuj nqis ua rau mob ntau dua li kev txiav lossis kho qee qhov kev siv nyiaj, ces koj txiav lossis kho kom txaus siab them cov nuj nqis," nws hais.
Ua tib zoo lub sijhawm yuav khoom loj
Cov nqi siab dua yog pab cuam tshuam cov neeg los ntawm kev yuav khoom loj. Saib tsis muaj ntxiv lawm lub tsev lag luam.
Tab sis lub neej kev hloov pauv nyiaj txiag thiab kev hloov pauv tsis yog ib txwm mesh nrog Fed cov cai. “Koj tsis tuaj yeem siv sijhawm thaum koj cov menyuam mus kawm ntawv qib siab. Koj tsis tuaj yeem sijhawm thaum koj xav tau txav ntawm qhov chaw A mus rau qhov chaw B, "said Voya's Sinha.
Nws yog ib qho teeb meem ntawm categorizing kev yuav khoom rau hauv "xav tau" thiab "xav tau". Thiab cov neeg uas txiav txim siab tias lawv yuav tsum tau mus yuav ib lub tsheb lossis tsev yuav tsum nco ntsoov tias lawv tuaj yeem rov qab tau nyiaj dua tom qab, advisers hais.
Yog tias koj txiav txim siab tuav tawm ntawm qhov kev yuav khoom loj, xaiv qee qhov pib ua qhov rov nkag. Qhov ntawd tuaj yeem yog cov paj laum lossis nug tus nqi ntawm lub tsheb lossis lub tsev poob rau ib theem.
Thaum koj tab tom tos, tsis txhob muab cov nyiaj them poob qis rov qab rau hauv kev lag luam Tshuag, cov kws tshaj lij nyiaj txiag hais. Lub volatility thiab kev pheej hmoo ntawm kev poob ntau dua lub caij nyoog ntawm cov nyiaj tau los luv luv.
Muaj kev nyab xeeb, cov kua dej zoo li cov peev nyiaj lag luam lossis txawm tias cov nyiaj khaws cia - uas tau txaus siab nce feem pua ntawm cov txiaj ntsig txhua xyoo vim tias nce nqi - tuaj yeem yog qhov chaw nyab xeeb rau cov nyiaj uas yuav npaj mus yog tias muaj kev yuav khoom tshwm.
Qhov nruab nrab APYs rau cov nyiaj khaws cia hauv online tau dhia mus rau 1.81% los ntawm 0.54% hauv lub Tsib Hlis, raws li Ken Tumin, tus tsim thiab tus editor ntawm DepositAccounts.com, thaum online daim ntawv pov thawj ib xyoos ntawm kev tso nyiaj (CDs) tau nce mus rau 2.67% los ntawm 1.01% hauv lub Tsib Hlis.
Portfolio rebalance rau lub sijhawm rocky
Cov txheej txheem ntawm kev nqis peev tseem siv tau: Cov tub ua lag luam mus sij hawm ntev nrog lub sijhawm tsawg kawg 10 xyoo yuav tsum nyob twj ywm tag nrho, Sinha hais. Nws tau hais tias qhov kev puas tsuaj rau cov khoom lag luam tam sim no tuaj yeem nthuav tawm cov khoom lag luam uas yuav them rov qab tom qab, tab sis tib neeg yuav tsum xav txog kev txhawb nqa lawv cov nyiaj tau los tas li, yam tsawg kawg raws li lawv txoj kev pheej hmoo.
Qhov ntawd tuaj yeem pib nrog tsoomfwv daim ntawv cog lus. "Peb nyob hauv ib puag ncig uas koj tau them nyiaj los ua tus cawm," nws hais. Qhov ntawd tau tshwm sim hauv qhov nce nyiaj tau los ntawm cov nyiaj khaws cia thiab tseem nyob rau hauv cov txiaj ntsig ntawm 1-xyoo Treasury daim nqi
TUBMUSD 01Y,
thiab 2 xyoo sau ntawv
TUBMUSD 02Y,
Nws hais. Yields rau ob leeg yog hovering ntawm 4%, nce los ntawm ze li 0% ib xyoos dhau los. Yog li xav tias muaj kev ywj pheej rau lean rau qhov ntawd, nws hais.
Raws li cov paj laum nce, cov nqi qiv nyiaj feem ntau poob. Cov ntawv cog lus luv luv, nrog tsawg lub sijhawm rau cov paj laum kom txo qis kev lag luam tus nqi, muaj kev nyiam, hais tias BlackRock's Gargi Chaudhuri. Chaudhuri, tus thawj coj ntawm iShares Investment Strategy Americas tau hais tias "Qhov kawg luv luv ntawm kev nqis peev-qib tuam txhab lag luam-daim ntawv cog lus nkhaus tseem txaus nyiam," Chaudhuri, tus thawj coj ntawm iShares Investment Strategy Americas, tau hais rau hnub Tuesday.
Chaudhuri tau hais tias "Peb tseem ceev faj ntxiv rau cov ntawv cog lus ntev dua li peb xav tias cov nqi tuaj yeem nyob ntawm lawv qib tam sim no rau qee lub sijhawm lossis txawm tias nce," Chaudhuri tau hais. "Peb yaum kom ua siab ntev vim peb ntseeg tias peb yuav pom ntau qib txaus nyiam kom nkag mus rau cov haujlwm ntev dua nyob rau ob peb lub hlis tom ntej."
Raws li kev sib npaug, xav tias ruaj khov thiab zoo tam sim no, zoo li kev kho mob thiab kev lag luam tshuaj, nws hais.
Txawm li cas los xij ntawm cov khoom lag luam thiab cov ntawv cog lus, xyuas kom tseeb tias nws tsis yog qhov sib xyaw ua ke rau kev sib xyaw, hais tias Eric Cooper, tus kws npaj nyiaj txiag ntawm Pawg Nyiaj Txiag Pab Pawg.
Ib qho kev sib npaug yuav tsum yog raws li cov tswv yim zoo xav thiab yuav tsum ua rau tib neeg lub plab rau kev pheej hmoo thiab nqi zog, tam sim no thiab yav tom ntej, nws hais. Thiab nco ntsoov, kev lag luam kev ncaj ncees qhov mob tam sim no tuaj yeem them rov qab tom qab. Thaum kawg, Cooper hais tias, qhov "txuag koj [hauv lub sijhawm ntev] yog dab tsi ua rau koj tam sim no."
Tau qhov twg los: https://www.marketwatch.com/story/brace-yourself-the-fed-is-about-to-inflict-some-pain-in-its-fight-against-inflation-heres-how-to- npaj-your-wallet-and-portfolio-11663770484?siteid=yhoof2&yptr=yahoo