Hardika Singh
speaker
304 appearances
5 recordings
1 series
first heard Dec 2022
last heard Mar 2024
Hardika Singh’s voice in public audio — every appearance, attributed to the second.
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Appearances
They'd want to stick to their cash holdings.
WSJ Your Money Briefing · CDs and Cashlike Investments Shine Amid Stock Market Slump · 20 Mar 2023
podcast
Well, the easy answer to that is that markets are horrible right now for investing.
People are really, really nervous about last year and this year, too.
Even though there has been a slight rebound, it seems like a lot of investors don't trust it.
From late last year, we started seeing investors just rush into cash as an asset class.
And it seems like this year, too, that trend is continuing.
People don't have many places to go where they can hide out from this market volatility.
These investments are usually considered to be cash investments or as safe as cash investments.
The reason why is that you can go inside money market funds and they contain mostly U.S.
government bonds, which are ultra safe.
So you are buying a money market fund which buys those government bonds.
So you're essentially, in a way, investing your money into something that is considered to be nearly as safe as cash, which is pretty good.
If you go inside CDs, most of your money is insured by the FDIC.
So up to 250K, the government will step in and essentially make sure that you have access to your funds.
So a lot of these different investments, such as money market funds, treasury bills, high yield savings account, certificates of deposits or CDs, they're all boasting really high rates right now.
That's something they haven't done in a really, really long time.
And obviously, in a market where stocks continue to go down, bonds continue to fall, that's going to be very attractive.
If you can get 5% by holding a CD, why would you go into stocks?
Over the past decade, the Federal Reserve kept interest rates very, very low.
And obviously that was to help the economy after the 2008 financial crisis.
Showing 121–140 of 304 · page 7 of 16
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