Popular on TelAve
- IRF Builders Forum Brings Global Leaders to Washington, D.C. to Advance Religious Freedom Through Cooperative Engagement
- The ITeam Ranked on Channel Partners 2025 MSP 501—Tech Industry's Most Prestigious List of Managed Service Providers Worldwide
- Keepy Uppy™ by Ollyball Wins Prestigious 2025 Influencer Award from Clamour & The Toy Association; Announces Fall 2025 Launch at Target Stores
- databahn Launches GenAI Sales Intelligence Platform to Revolutionize Fortune 500 and Global 2000 Account Research
- Colorado Scenthound Locations Partner with Humane Colorado to Give Adopted Dogs a "Clean Start"
- NYC Leadership Strategist Stacie Selise Launches Groundbreaking 4S Framework Series to Redefine Executive Excellence
- TCAA Welcomes Adolfo Gomez Sanchez to Its Family of Talented Speakers
- Shop American Made Goods: New Online Marketplace My American Goods Curates the Best of U.S. Made
- Spartan & Guardians Partner with Guitar Legend Buckethead to Support Global Child Rescue Efforts
- IQSTEL Surges Toward $400M Run Rate with $101.5M in Revenue—Reinforces Billion-Dollar Vision Backed by Fintech, AI, and Cybersecurity
Similar on TelAve
- Pixel Studio Productions Launches Same-Day Headshots in Houston
- SeedList Launching Institutional Crypto Crowdfunding Project to Empower Retail Investors and Disrupt the VC-Dominated Crypto Fundraising Landscape
- Sumter Landing Dental Care Launches Summer Special on Full Mouth Reconstruction
- Seligson Law Launches New Website to Support Cannabis Businesses in California and New York
- databahn Announces Subscription Access to Fortune 500 GenAI Deep Dive Sales Intelligence Reports
- AI startup Congero offers instant websites with 24/7 updates - aiming to replace web agencies
- WonderDays Launches the UK's First AI Experience Gift Finder – Gifting Just Got So Much Easier!
- Nonprofit innovator named Mensa Executive Director
- Yasmine Roulleau named Managing Director in Vancouver, Canada
- $53 Million Company Valuation Investment with Majority Acquisition Option, Plus New Stock CUSIP Supporting Brand Transition of Fan Engagement Company
After today's Federal Reserve meeting, Wharton Wealth Planning believes CD's are less attractive and fixed income markets are more attractively priced
TelAve News/10823367
NEW YORK - TelAve -- Wharton Wealth Planning, LLC, a New York-based independent fee-only fiduciary financial advisor, believes many areas in the fixed income markets are attractively priced and that it is likely not be the best idea to over-allocate to cash right now. Many investors have flocked to CD's and high interest bank accounts over the last couple of years, but that trend is likely to reverse itself.
Today's Federal Reserve meeting supports the view that inflation is cooling and rates will likely fall over the next few years, as the Federal Reserve maintained expectation for three interest rate cuts before the end of 2024. From a big picture perspective, recent Consumer Price Index (CPI) and Producer Price Index (PPI) reports, which serve as gauges to measure inflation, have been moving in the right downward direction. Two years ago, yields on 10-year Treasury bonds were below 2%. They've more than doubled since then. This is a big advantage for those planning for and in retirement in particular. The Fed Dot Plot, which many view as an orchestrated road map for the markets, suggests that current policy rates are almost 300 basis points above a 'long-run neutral stance,' which is where the Federal reserve may want to get to over time. A neutral stance would theoretically be the rate at which the economy is neither stimulated nor slowed down by interest rates.
More on TelAve News
Bonds currently have numerous advantages over cash in Wharton Wealth's view. Given where cash interest rate yields are currently, there is a very strong case for bonds right now. When you purchase bonds and longer maturity fixed income investments, you are able to lock in a higher yield for longer. So, if you buy a five-year bond or a 10-year bond, that means that interest rate will prevail over your holding period.
Another key advantage is that you do have some appreciation potential with fixed-income instruments, which is something you do not have with cash interest rate instruments. You don't have principal volatility with a CD, but that goes both ways. You can't have losses with a CD, but you can't have gains, either. As we think of rates potentially going lower in the future, the fixed-income investor stands to benefit potentially from some appreciation in such an environment.
Wharton Wealth believes there are also some attractive areas in the stock market. According to Rosenstrock, "When we look at the asset classes that have had the best long-range opportunity to outrun inflation, stocks have done that compared to other asset categories." This is also important as you are thinking about your future and allowing for growth in your investment accounts.
More on TelAve News
Wharton Wealth Planning believes that you should have a diversified mix of stocks, bonds, and short-term investments, and should diversify your portfolio within those different types of investments. The right percentages and investment selections should be customized and depend on your personal situation and circumstances.
Wharton Wealth Planning (https://whartonwealthplanning.com/ ) provides comprehensive and consultative investment management and retirement planning services. Wharton Wealth Planning employs a disciplined investment philosophy backed by academic and scientifically validated principles and processes. Unlike many other brokers and advisors, Wharton Wealth Planning advisors' compensation is not based on what products are used to implement client investments. CERTIFIED FINANCIAL PLANNER™ practitioners have taken additional steps to demonstrate their professionalism by completing a rigorous certification process, meeting continuing education requirements for ongoing certification, and adopting the CFP® Board's Code of Ethics and Standards of Conduct.
Today's Federal Reserve meeting supports the view that inflation is cooling and rates will likely fall over the next few years, as the Federal Reserve maintained expectation for three interest rate cuts before the end of 2024. From a big picture perspective, recent Consumer Price Index (CPI) and Producer Price Index (PPI) reports, which serve as gauges to measure inflation, have been moving in the right downward direction. Two years ago, yields on 10-year Treasury bonds were below 2%. They've more than doubled since then. This is a big advantage for those planning for and in retirement in particular. The Fed Dot Plot, which many view as an orchestrated road map for the markets, suggests that current policy rates are almost 300 basis points above a 'long-run neutral stance,' which is where the Federal reserve may want to get to over time. A neutral stance would theoretically be the rate at which the economy is neither stimulated nor slowed down by interest rates.
More on TelAve News
- Rent Like A Champion Acquires CollegeWeekends
- Sumter Landing Dental Care Launches Summer Special on Full Mouth Reconstruction
- Seligson Law Launches New Website to Support Cannabis Businesses in California and New York
- databahn Announces Subscription Access to Fortune 500 GenAI Deep Dive Sales Intelligence Reports
- AI startup Congero offers instant websites with 24/7 updates - aiming to replace web agencies
Bonds currently have numerous advantages over cash in Wharton Wealth's view. Given where cash interest rate yields are currently, there is a very strong case for bonds right now. When you purchase bonds and longer maturity fixed income investments, you are able to lock in a higher yield for longer. So, if you buy a five-year bond or a 10-year bond, that means that interest rate will prevail over your holding period.
Another key advantage is that you do have some appreciation potential with fixed-income instruments, which is something you do not have with cash interest rate instruments. You don't have principal volatility with a CD, but that goes both ways. You can't have losses with a CD, but you can't have gains, either. As we think of rates potentially going lower in the future, the fixed-income investor stands to benefit potentially from some appreciation in such an environment.
Wharton Wealth believes there are also some attractive areas in the stock market. According to Rosenstrock, "When we look at the asset classes that have had the best long-range opportunity to outrun inflation, stocks have done that compared to other asset categories." This is also important as you are thinking about your future and allowing for growth in your investment accounts.
More on TelAve News
- WonderDays Launches the UK's First AI Experience Gift Finder – Gifting Just Got So Much Easier!
- CelluHeal™ Launches Full Line of Advanced Wound Dressings for Online Purchase in the USA, Canada, and Beyond
- Nonprofit innovator named Mensa Executive Director
- Yasmine Roulleau named Managing Director in Vancouver, Canada
- Chasing Elizabeth Taylor — The Dazzling True Story Behind the Queen of Diamonds Now Available in Limited-Edition Hardcover
Wharton Wealth Planning believes that you should have a diversified mix of stocks, bonds, and short-term investments, and should diversify your portfolio within those different types of investments. The right percentages and investment selections should be customized and depend on your personal situation and circumstances.
Wharton Wealth Planning (https://whartonwealthplanning.com/ ) provides comprehensive and consultative investment management and retirement planning services. Wharton Wealth Planning employs a disciplined investment philosophy backed by academic and scientifically validated principles and processes. Unlike many other brokers and advisors, Wharton Wealth Planning advisors' compensation is not based on what products are used to implement client investments. CERTIFIED FINANCIAL PLANNER™ practitioners have taken additional steps to demonstrate their professionalism by completing a rigorous certification process, meeting continuing education requirements for ongoing certification, and adopting the CFP® Board's Code of Ethics and Standards of Conduct.
Contact
Wharton Wealth Planning
David Rosenstrock, CFP®, MBA
Director of Investments & Financial Planning
***@whartonwealthplanning.com
Wharton Wealth Planning
David Rosenstrock, CFP®, MBA
Director of Investments & Financial Planning
***@whartonwealthplanning.com
Source: Wharton Wealth Planning, LLC
Filed Under: Business
0 Comments
Latest on TelAve News
- ICAST 2025: The Crystal-Clear Revolution Begins at Booth #3233
- Brindle Pet Supplies Now Carries Badlands Ranch Dog Food in Canada
- $10 Million Allocated to Establish Crypto Treasury Focused on High Value Ethereum (ETH) & Bitcoin (BTC) as Long-Term Holdings for Cybersecurity Leader
- Sing For Your Supper: A Night of Musical Comedy and Drag for a Great Cause
- Cummings Graduate Institute for Behavioral Health Studies Celebrates New DBH Graduates
- $100 to $200 Million Equity Agreement with Top Digital Advisor Bitwise to Power Major Digital Asset Initiative for Bitcoin and Solana: OFA Group
- New Collaboration Launches Corporate ESG Solution for Responsible Decommissioning and Transparent Reporting
- SlickCashLoan Launches Free Loan Calculator to Help You Plan Monthly Payments
- Cellhire boosts its EE offering via deal with BT Wholesale's Complete Mobile
- 24/7 customizable AI answering service from Kell Web Solutions, Inc. helps businesses never miss a customer call, lead, or appointment again
- TikTok Star ArcadeFriends Attempts 24-Hour Claw Machine Marathon at Lucky Puppy Arcade in Las Vegas
- Next-generation virtual receptionist service leverages AI to ensure every customer call and text is answered, enhancing efficiency and engagem
- New AI-Powered Platform from Kell Web Solutions Delivers 24/7 Professional, Automated Call Handling and Appointment Scheduling
- Pyro Marketing Launches New Website to Accelerate Growth for Fitness Brands
- KCON LA 2025, 106.3 RAIN FM 'Take Over' Special Event
- The Citizens Commission on Human Rights Annual Purple Heart Day Event will be Hosted at the Historic Fort Harrison
- Blake Harris the Leading Authority in International Asset Protection Joins Tom Hegna on "Financial Freedom with Tom Hegna"
- Psychedelics for Vets? CCHR Cites History of Exploitation and Failed Science
- GreenPal Empowers Lawn Care Pros Leveraging AI, Surpasses 5 Million Transactions
- Santa Monica Businesses Push Back on Bus Stop Relocation That Threatens Access and Safety