인플레이션 변화에 따른 현금 관리 전략

### 변화하는 금리 환경에서의 현금 관리
* 💰 Julie는 고수익 예금 계좌에서 현금을 옮겨 **현재의 고금리를 고정**할지, 아니면 금리 인하 가능성을 기다릴지 문의했습니다.
* 📉 연사는 현재 많은 개인이 **현금 계좌에서 5% 이상의 수익률**을 누리고 있으며, 이는 몇 년 전의 낮은 수익률에 비해 크게 개선된 수치라고 언급했습니다.
* 🔍 다니엘의 최근 분석에 따르면 인플레이션이 둔화 조짐을 보이며 **2020년 이후 처음으로 전월 대비 하락세**를 보였지만, 향후 인플레이션 추세에 대한 불확실성은 여전히 남아 있습니다.
* 📊 애널리스트들은 당초 올해 여러 차례의 금리 인하를 예상했지만, 이후 **한두 차례에 그칠 것**이라는 전망으로 바뀌면서 시장의 예측 불가능성을 강조하고 있습니다.
* 💳 향후 3년간 금리를 고정하려는 분들에게는 **양도성 예금증서(CD)** 같은 옵션이 적합할 수 있고, 유동성을 선호하는 분들에게는 **머니마켓 뮤추얼 펀드에 자금을 보관**하는 것이 좋습니다.
* ⚖ 연사는 **머니마켓 계좌의 7일 수익률이 온라인 은행이 제공하는 수익률보다 낮을 때**만 조치를 취해야 최적의 현금 관리를 보장할 수 있다고 조언했습니다.
* 📅 **3~6개월 분량의 생활비를 비상 자금**으로 유지하는 것이 필수적이며, 은퇴가 가까워진 분들은 **여분의 현금으로 더 높은 금리**를 고정하는 것을 고려할 수 있습니다.
* 💡 궁극적으로 개인은 **이자율의 미묘한 차이에 지나치게 신경 쓰기보다는 전반적인 재무 전략에 집중**하여 효과적으로 저축을 극대화해야 합니다.

줄리는 재무 목표를 평가한 후 고금리에 고정할지 아니면 현금을 유연하게 사용할지 결정해야 합니다.

[Music] I do have a great question to start us off from Julie. She says, I saw Daniel's article on inflation slowing down over at moneyguy.com. Do I need to start moving my cash out of my high-yield savings account and lock in the high-interest rates, or should I wait for the rate cuts? What do you recommend moving it to? Yes, so I think a lot of people are wondering this. You know, it seems we all remember back a couple of years ago where cash was trash. It was paying nothing. Like, if you were getting a quarter of a percent or half a percent on your cash holdings, you felt like that was great. And now we've come to the season where a lot of folks are getting greater than 5% yield on their cash accounts, whether they're in high-yield savings accounts or money market mutual fund accounts. And it feels awesome, and we love seeing those monthly interest payments or monthly dividend payments coming in. And we've gotten so addicted to them that we want to figure out, okay

what can we do to make sure that that doesn't go away? Because if inflation slows down and then rates begin to fall, does that mean that I'm not going to be able to get that same yield on my cash? And does it mean that I need to start looking at locking in the rates where they are now instead of staying in the current high-yield type structure? Yeah, what I love is, first of all, Julie, thank you for referencing Daniel has what he writes for us. We call it Beyond Basic. It's incredible. If you haven't signed up, just go to money.com and check out. You can is when you sign up with your email. You also get access to our newsletters. And then do we have a separate sign-up for Beyond Basics? We do, don't we? We do. There's a little section on the website. If you click on articles, it will say Beyond Basics. And that's the whole deep dive newsletter that Daniel writes and curates for us. So what Daniel Des show, he sent out to everybody last week.

is that inflation? When you look at prices month over month, they actually came in down. This is the first time this has happened since 2020. I mean, so that's a pretty, that's four years different, you know, election administration, you know, president in office. There's lots of things that have changed since then. We were all, as Daniel laid out, we were in lockdown from the pandemic the last time this happened. So, a lot has changed. But then he's very quick to share, does this mean inflation has been conquered and vanquished, and we just don't know? I mean, and the context to let you know is Daniel has a great chart in there. It shows that most analysts and all the people who get paid probably large six-fig salaries to predict what's going on with inflation at the beginning of the year, they thought that there was going to be like six drops of rates. Now, I think people are saying one to two, so they don't really know either. And so, I'd be wary.

of just saying, Hey, this is my moment in the sand where I'm going to bet the farm on what's going to happen with inflation. But I do think it is probably the point where you can ask yourself if there's money that you know you want to lock up for, like, say, the next 3 years, and you like getting 5%. There's nothing wrong with looking at CDs or things like that. However, if you're one of these people—and this is I fall into this camp—is that I keep excess cash, but I like maximizing the moment, and I'm okay with just letting it go with where market rates are to a degree because I might need that money within that 3-year period. You never know what investment opportunity, real estate, or other things will come, so I'm going to keep my money in probably the money market mutual funds. But there will come a point once they start—the Federal Reserve starts cutting rates—that the online high-yield savings accounts might be better than

the money markets because those money markets are going to adjust immediately. As soon as they start cutting rates, they will start going down. But you don't have to take action until you actually see that 7-day Yi goes below what the online banks are offering, and that's when you'll probably want to take action. And I think for most accumulators, that's probably the best advice. If you're keeping your emergency fund and your emergency fund is somewhere between three to six months of living expenses, you want that to stay readily liquid and readily available, so that's a great strategy. I think the folks who maybe would be looking at CDs or some type of fixed income investment to try to lock in these rates, there's probably going to be folks at retirement, near retirement, or in retirement who have healthier cash cushions. Maybe they have that 18 to 24 months of cash. You know, you're going to keep 6 months to a year in liquid cash, and then the excess you might want to lock into the

higher rate. I think you need to be true to where you are in your financial journey, and I just wouldn't get too cute over it. I wouldn't try to focus on this if it's not a significant part of your financial life. I would rather you focus on how am I saving, where are my dollars going, am I building my armies of dollar, Army of dollar bills, and am I maximizing as much as I need to without wasting unnecessary calories.

Should I Move Cash from My HYSA Now or Wait for Lower Rates?

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고금리 환경에서 현금 관리하기

인플레이션이 둔화되고 금리 인하가 임박하면서 많은 사람들이 고수익 예금 계좌에서 현금을 인출하는 것을 고려하고 있습니다.

현재 현금 계좌는 5% 이상의 수익률을 제공하고 있기 때문에 이러한 금리를 고정하려는 욕구로 이어지고 있습니다.

이 발표자는 변화하는 환경에서 현금 관리에 대한 심층적인 통찰력을 얻으려면 Daniel의 "기본을 넘어서" 뉴스레터를 확인해보라고 권합니다.

최근 인플레이션과 투자 전략의 변화

인플레이션율은 분석가들 사이에서 계속되는 불확실성에도 불구하고 2020년 이후 처음으로 전월 대비 하락세를 보였습니다.

향후 금리 하락에 대한 예측은 6개에서 1개 또는 2개로 줄어들어 합의가 부족하다는 것을 나타냅니다.

현금이 여유 있는 개인들은 연방준비제도의 금리 인하를 기다리면서 양도성예금증서나 머니마켓 뮤추얼펀드 등 다양한 투자 옵션을 고려하고 있습니다.

금리 인하 기간 동안 현금을 관리하는 전략

금리가 인하되면 자금 시장은 즉시 조정되므로 7일물 이가 온라인 은행의 제안 금리 아래로 내려갈 때까지 기다렸다가 조치를 취하세요.

3~6개월치 생활비를 비상 자금으로 준비해 두는 것도 현명한 전략입니다.

은퇴자처럼 현금 여유가 많은 분들은 양도성예금증서나 채권 투자로 금리를 고정하는 것이 좋은 선택이 될 수 있습니다.

재정 여정에 충실하고 사소한 세부 사항에 지나치게 집중하지 않는 것이 중요합니다.

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