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Insights

Why Are CD Rates So Low?

As a purchaser of a CD, you are effectively lending money to the bank and the rate they are willing to pay will be slightly higher than the Federal Funds Rate. As such, as long as the Fed Funds Rate stays pinned to the floor as it currently is, do not expect the interest rates on CDs, money markets, or savings accounts to meaningfully budge.

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Is the Stock Market Too Expensive?

The great investor Peter Lynch once said, “Far more money has been lost preparing for corrections, or trying to anticipate corrections, than has been lost in the corrections themselves.” Think about the investor in 2013 who wanted to wait until things cooled off because the market was at all-time highs.

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