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  • [Narrator] The Federal Reserve has signaled that it would begin steadily raising interest rates in mid-March.

    (旁白)聯準會已經釋放信號,表示三月中起將開始升息。

  • Against a backdrop of elevated inflation and a strong labor market, our policy has been adapting to the evolving economic environment.

    旨在應對目前的高通膨和強勞動力市場,我們的政策已隨著不停改變的經濟環境做調整。

  • [Narrator] It's the latest step the Fed is taking toward removing stimulus to bring down inflation and marks the first time it has raised borrowing costs since December of 2018.

    (旁白)這是聯準會的最新措施,消除經濟刺激以抗通膨,也是2018年12月以來首次調漲借款成本。

  • Expectations of a faster pace of rate rises prompted investors to change strategies they had used for nearly two years,

    預期升息速度將會更快促使投資者改變他們這兩年左右使用的策略,

  • leading to the worst stock market selloff since the early days of the pandemic.

    導致疫情初期發生拋售存貨致的股災。

  • WSJ personal finance reporter J.J. McCorvey breaks down how the rate hike could affect mortgages, loans, credit cards and your retirement planning.

    《華爾街日報》的個人理財記者J.J. McCorvey 解釋了利率上升對房貸、車貸、助學貸款、信用卡款項、養老規劃等有何影響。

  • (pensive music)

    (憂戚的音樂)

  • The market's rates have already been increasing in anticipation of the Fed rate hikes but now they're expected to go up even more through 2022.

    市場價格已因預期聯準會急遽的加息而提升,但以現在來看,市場價格甚至有可能在2022年更高。

  • However, if you have a 30-year fixed rate mortgage,

    然而,若你有三十年的固定利率貸款,

  • you have less reason to worry because your rate is locked and you likely won't be affected.

    你不用太過擔心,因為你的利率固定了,所以不太可能被影響。

  • [Narrator] While fixed rate mortgages have a set interest rate for the life of the loan,

    (旁白)固定利率貸款的利率一輩子都是確定的,

  • repayments on adjustable-rate mortgages become more expensive when interest rates go up.

    但浮動利率房貸的還款金額會因為利率調漲而變貴。

  • The rate increase could also pose challenges for those shopping for a home.

    利率調漲也會使買房變得困難。

  • For people who are new home buyers, the higher rates could make it harder to qualify for a mortgage.

    對於首購族,更高的利率讓首購族更難取得貸款的資格。

  • [Narrator] Even small rate increases can be costly if applied to big purchases when stretched over the life of a multi-year loan.

    (旁白)若用於龐大金額的購買且有長期貸款年限,即使是微幅的調漲,依然會顯得昂貴。(戲劇性的音樂)

  • Rising rates will impact both private and federal student loans.

    升息將會影響私人和聯邦學生貸款。

  • New interest rates apply to only new loans but people who have existing private loans might have the option to refinance.

    新利率只適用於新貸款,不過現有貸款的人可選擇重新貸款。

  • Refinancing student loans could be a good option for those who qualify for a better rate based on changes in credit or income.

    對於因信用或收入改變而有更好的貸款條件的人來說,重貸學生貸款可能是個好選擇。

  • When it comes to auto loans, similar to fixed rate mortgages, most won't be affected if you already have one because they usually come with a fixed interest rate.

    和固定利率的不動產貸款差不多,若你有汽車貸款,大多也不會被影響,因為汽貸通常也是固定利率。

  • But if you're shopping for a car, a new loan with higher interest means you'll be paying a little more money.

    但若你要買車,更高利率的新貸款代表你需要多付一些錢。(戲劇性的音樂)

  • Interest rates on credit cards are typically not fixed.

    信用卡利率是不固定的。

  • In fact, credit card interest rates change almost immediately after a Fed rate increase.

    事實上,信用卡利率幾乎都會馬上隨著聯準會升息而改變。

  • If your interest rate rises, so could your minimum payment and that could make it harder to pay off debt.

    若利率提高,最低應繳費用也提升,卡債就會更難繳清。

  • While higher interest rates means more money can be earned from savings, if you carry a credit card balance month to month,

    雖然更高的利率代表著存錢可以有更多利息,但若每月累積信用卡餘額,

  • a higher interest charge could be applied to those balances.

    更高的利率會影響到這些餘額。

  • Paying balances in full will help avoid additional costs.

    全額支付總應繳金額能幫助避免額外的花費。(戲劇性的音樂)

  • If you have an interest bearing savings account, that could mean a little more money for you but how much that changes depends on your bank.

    若有儲蓄帳戶,代表你會有一些利息,不過利息改變的多寡取決於你的銀行。

  • [Narrator] The national average interest rate for savings accounts is .06% but some banks have savings rates higher than the national average, which will earn savers more money.

    (旁白)全國平均存款利率是 .06%,但有些銀行的利率會比平均高一些,因此存款人可以存更多錢。

  • Experts say fixed rate savings, such as annuities and short-term bond yields will also rise.

    專家表示,固定利率儲蓄像是年金或短期債卷的收益都將提升。

  • This could benefit folks who live off interest.

    這對依靠利息生活的人們有益

  • Markets have already experienced some volatility due to the expected rate hike, which has pushed some investors towards safer bets.

    市場已因可預期的急遽加息歷經一些波動,升息促使一些投資人轉向較為安全的投資策略。

  • [Narrator] Those safer bets could include dividend stocks and gold exchange traded funds, some of which have outperformed this year.

    (旁白)較安全的投資策略包括股票股利和以黃金交易的指數股票型基金,有些已經在今年有不錯的表現。

  • (pensive music)

    (憂鬱的音樂)

  • Federal Reserve Chairman Jerome Powell has left the door open to raising rates at consecutive policy meetings, which are held about every six weeks.

    聯準會主席Jerome Powell表示不排除在連續的政策會議上升息的可能性,而會議每六週左右會舉辦一次。

  • The Fed hasn't raised rates at that frequency since 2006.

    聯準會自2006年之後從來沒有以那種頻率升息。

  • While Powell says he expects inflation rates to decline through the course of the year, he admits the economic outlook remains highly uncertain.

    雖然Powell說到,他預期通膨指數會在今年內下降,他承認經濟前景仍然保有高度不確定性。

  • With this in mind, we will remain attentive to risks,

    考慮到這一點,我們仍要留意風險,

  • including the risk that high inflation is more persistent than expected and are prepared to respond as appropriate to achieve our goals.

    包括高通膨殼能會比想像中還久的風險,以及要準備好做適當的決策,以達成我們的目標。

  • (pensive music)

    (憂鬱的音樂)

[Narrator] The Federal Reserve has signaled that it would begin steadily raising interest rates in mid-March.

(旁白)聯準會已經釋放信號,表示三月中起將開始升息。

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高通膨時代,升息是毒藥或解藥?短片讀懂升息VS.通膨 How a Fed Interest Rate Increase Could Affect You | WSJ

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    moge0072008 發佈於 2022 年 04 月 23 日
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