Today in Markets & Money: “Savers Are Quietly Winning” 💵
Ethan Teng
Published September 8, 2025
1 min read
🏷️ Inflation & Rates
CPI is at 322.13 (core 328.66), inflation is running about 2.7%, and the Fed Funds Rate is parked at 4.33%. Translation: prices are still sticky, but cash isn’t eroding like it did in 2022.
💸 What this means for your wallet:
Leaving cash in a 0.01% savings account? That’s financial malpractice. With inflation stable, this is the moment to let your cash actually work for you.
💵 Treasury Yields (Where Savers Should Look)
- 1-year: 3.76%
- 5-year: 3.65%
- 10-year: 4.17%
Flat, boring, but solid. Bonds aren’t flashy, but they’re finally handing out returns that beat your bank’s “high-yield” account.
💸 What this means for your wallet:
Short-term Treasuries give you steady yield with low risk. Locking in longer terms can protect you if rates fall after the Fed eventually cuts.
📈 Stocks (Quick Check)
The S&P 500 sits at 647.24, down -0.29% today but still up 18.7% year-over-year. Stocks are hot, but if you’re parking cash, don’t let FOMO push you into risks you’re not ready for.
🏡 Mortgages (Context for Savers)
30-year fixed mortgage? Around 6.5%, and predictions suggest they won’t fall below 6.4% anytime soon. Savers aren’t suffering here — borrowers are.
💸 What this means for your wallet:
Your emergency fund is finally earning something while house hunters sweat. Enjoy the win.
🧾 Bottom Line
Inflation is tame, bonds are steady, banks are still stingy. If you’re holding cash, you’re in one of the best spots you’ve had in years — as long as you actually move it somewhere productive.
💡 Money Move of the Day
Check your savings yield. If it’s under 4%, shift to a Treasury ladder or a high-yield account. Don’t donate free money to your bank.
👋 This is why I built Ask Linc — an AI investing app that takes your actual accounts + today’s rates and answers:
👉 “Where should I park my cash so it actually keeps up with inflation?”
That’s the kind of saver’s call Ask Linc makes clear → asklinc.com