Oyin Adedoyin

speaker

1,572 appearances 36 recordings 1 series first heard Mar 2023 last heard Feb 2025

Oyin Adedoyin’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · The Money Moves to Make Before the Fed Cuts Rates · 13 Jun 2024 podcast

Open up your checking account. matched

See if you're getting a good rate on it. matched

See if you're getting a good rate on your savings account. matched

If you're not happy with it, if it's sitting at 0.45% or below, maybe start searching the internet or asking your financial advisor for alternative options. matched

people should pay attention to the rate that's being offered and any rules or stipulations that may be part of that rate. matched

For example, some bank accounts might offer an attractive rate, but might say, hey, you're going to need at least a minimum of $500 in this account in order to get that yield. matched

A money market fund is a kind of mutual fund that invests in highly liquid and near-term instruments. matched

And people have been really attracted to these because— What is a near-term instrument? matched

Like a short-term instrument, like a treasury bill, for example. matched

Okay. matched

People have been really attracted to the liquidity and the high yields that these types of funds offer. matched

One thing to look out for, though, is that money market funds aren't insured by the FDIC. matched

They may be insured through the SPIC when held in a brokerage account, though. matched

So definitely make sure you know where you are investing in if you have a money market fund. matched

The Federal Reserve has indicated that it intends to lower rates at least some point later this year. matched

So if you've got your money in a more liquid instrument, then it's going to be a little bit more sensitive to those rate cuts. matched

Financial advisors recommend planning a little bit more for the long term, and that might mean sacrificing yield or interest for more longer term returns. matched

Well, a lot of people are nervous or hesitant to move their cash somewhere that they're unfamiliar with. matched

They say there's not a physical bank associated with where they're putting their money. matched

That makes them nervous. matched

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