Investopedia / Diam duab Composite los ntawm Alice Morgan / Getty Images
TSEEM CEEB HEEV
- Tsoom Fwv Teb Chaws Reserve tau txiav nws cov txiaj ntsig tseem ceeb ntawm tsoomfwv cov nyiaj rau hnub Wednesday, ua rau nws qhov feem pua qis qis dua thaum pib ntawm lub xyoo.
- Fed cov thawj coj, txawm li cas los xij, kwv yees tias lawv yuav muaj feem yuav txo qis qis qis dua los ntawm 2025. Qee cov kws tshawb fawb ntseeg tias Fed thawj lub rooj sib tham hauv lub xyoo tshiab yuav tuav tus nqi.
- Nws yog ib qho tseem ceeb los saib xyuas koj cov nqi qiv nyiaj thiab koj cov nyiaj khaws cia. Cov kws pab tswv yim txog nyiaj txiag qhia tias koj yuav tsum tsis txhob ua raws li kev kwv yees thiab hloov pauv koj cov peev txheej thiab kev txuag nyiaj.
Tsoom Fwv Teb Chaws Reserve txiav tus nqi paj laum rau hnub Wednesday. Txawm li cas los xij, nws yuav tsis yog qhov kawg.
Fed, tom qab lub rooj sib tham ntawm pawg neeg saib xyuas txoj cai, tshaj tawm tias nws tau txiav cov nyiaj tseem ceeb ntawm tsoomfwv los ntawm ib feem peb ntawm ib feem pua. Qhov no yog qhov feem pua ntawm tag nrho cov ntsiab lus tsawg dua li qhov pib ntawm lub xyoo. Central bankers kuj tau tshaj tawm lawv txoj kev npaj txoj cai rau 2025. Qhov nruab nrab, lawv cia siab tias cov nqi yuav raug txiav qeeb dua li qhov xav tau thaum xub thawj.
Tus nqi no cuam tshuam rau tag nrho cov nqi qiv xws li qiv nyiaj pib, nqi tsev qiv nyiaj, credit cards, thiab txawm tias cov paj laum ntawm daim npav rho nyiaj. Qhov ntawd txhais tau hais tias hnub Wednesday kev txhim kho tuaj yeem cuam tshuam koj cov peev nyiaj mus rau xyoo tshiab. Nov yog cov kws pab tswv yim nyiaj txiag qhia koj ua tom qab Fed tus nqi txiav.
Paub Txog Koj Lub Txhab Nyiaj Ua Li Cas
Tsoom fwv teb chaws cov nyiaj tau los yog ib lub hom phiaj rau cov nqi qiv los ntawm cov tuam txhab lag luam thaum lawv qiv nyiaj ntau dhau rau ib hmo.
Tom qab hnub Wednesday txiav, cov tsev txhab nyiaj yuav zoo li them ib leeg kom qiv nyiaj. Cov kev hloov pauv no yuav dhau los ntawm cov tsev txhab nyiaj rau lawv cov neeg siv khoom, ua rau txo cov paj laum thiab cov nqe lus qiv nyiaj. Lawv tsis muaj lub luag haujlwm ua raws li cov paj laum lossis ceeb toom rau lawv cov neeg siv khoom ntawm kev hloov pauv.
Robert Persichitte, tus kws tshaj lij kev npaj nyiaj txiag rau Delagify Financial, tau hais kom mob siab rau ua tus neeg siv khoom. Cov tsev txhab nyiaj muaj cai hloov lawv cov paj laum txhua lub sijhawm, yog li nws tseem ceeb rau koj los saib xyuas koj cov nyiaj khaws cia thiab qiv nyiaj.
"Tsuas yog vim cov paj laum nce lossis poob, qhov ntawd tsis tau txhais hais tias koj tus as-qhauj yuav txav mus rau ob qho tib si," nws hais.
'Tsis txhob xav tias koj 100% paub txog yav tom ntej'
Thaum Fed cov tub ceev xwm, qhov nruab nrab, tau qhia tias lawv pom tsuas yog ob peb lub hlis twg tus nqi txiav tawm hauv 2025, qhov kev kwv yees nyiaj txiag tsuas yog ib qho snapshot thiab tuaj yeem hloov pauv raws li kev lag luam hloov pauv.
Persichitte tau hais tias "Peb tsis muaj kev lees paub tias cov nqi yuav poob mus ntxiv thiab lawv tuaj yeem nce ntxiv," Persichitte tau hais. "Yog li tsis txhob xav tias koj 100% paub txog yav tom ntej."
Cov kws tshawb fawb dav dav xav tias Fed yuav tuav cov nqi uas lawv nyob thaum pawg tswj hwm txoj cai sib ntsib thaum Lub Ib Hlis, txhais tau tias lawv yuav nyob zoo ib yam kom txog thaum lawv tau sib ntsib dua thaum nruab nrab Lub Peb Hlis. Txawm li cas los xij, kev twv ua ntej tshaj qhov ntawd yuav ua rau tsaus muag.
Persichitte tau hais tias "Yog tias koj pab pawg kis las hauv zos yuav yeej lossis poob rau lub asthiv no, koj tuaj yeem ua tus thawj koom ruam ntawm qhov ntawd thiab muaj kev paub me ntsis txog nws," Persichitte hais. "'Lawv puas yuav yeej qhov kev sib tw lub caij no?' Qhov no tsis tshua pom tseeb. Thiab tom qab ntawd, 'lawv puas yuav yeej qhov kev sib tw 10 xyoo txij li tam sim no?' Nws tsis meej heev. "
Diversify qhov twg koj muaj koj cov nyiaj
Txij li thaum koj tsis tuaj yeem paub tseeb tias yuav muaj dab tsi tshwm sim tom ntej, kev sib txawv koj cov peev txheej yog qhov zoo tshaj plaws nyob rau lub sijhawm hloov pauv, hais tias Certified Financial Planner David Demming Sr.
Kev nqis peev koj cov nyiaj hauv cov nyiaj sib koom lossis ETFs tuaj yeem muab koj cov ntaub ntawv sib txawv ntawm cov khoom lag luam sib txawv lossis cov ntawv cog lus uas nthuav tawm kev pheej hmoo thoob plaws ntau qhov kev nqis peev, nws hais. Rau cov neeg txuag, Persichitte tau hais kom kaw rau hauv CD mus ntev lossis tsim tus ntaiv nyiaj los txhawb koj cov nyiaj rov qab.
Demming tau hais tias "Qhia kev qhuab qhia thiab ua siab ntev vim tias thaum tib neeg ntshai yog thaum lawv tua lawv tus kheej hauv ko taw," Demming hais.
Koj puas paub tias ntau dua $ 140 nphom nyiaj hauv Bitcoin, lossis kwv yees li 20% ntawm tag nrho cov khoom siv Bitcoin, tam sim no raug kaw hauv hnab nyiaj tsis siv? Los yog tej zaum koj tau ploj mus rau koj lub hnab nyiaj Bitcoin? Tsis txhob cia cov nyiaj ntawd nyob twj ywm! AI Seed Phrase Finder nyob ntawm no los pab koj rov nkag tau yooj yim dua. Cov software muaj zog no siv cov thev naus laus zis thev naus laus zis thev naus laus zis thiab kev txawj ntse tsim los tsim thiab txheeb xyuas suav tsis txheeb cov kab lus thiab cov yuam sij ntiag tug, tso cai rau koj rov nkag mus rau cov hnab nyiaj uas tau tso tseg nrog cov txiaj ntsig zoo.
