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Bipin Singh's avatar

From the second piece on Certificate of Deposit (CDs)- "If rates are expected to go up, banks might delay issuing CDs, hoping to get better rates later. Why lock in 7% today if you can get 7.5% next month?"

Is the above argument sound?

If interests rates are expected to go north in future, banks would do well to issue CDs at lower rates now, instead of paying higher yields later when rates go up.

The investors may delay their investments in CDs, if rates are expected to rise in the future. That would fetch them better returns from the banks.

Am I getting this right or is there something I am missing?

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Chandan Malla's avatar

The job data seems to be affected by the outlier, during covid there was massive boom, most of the while collar jobs were added during that period, since then addition of jobs in the market is muted at best.

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