What Rising and Falling Interest Rates Mean for You

Interest rates affect more than just loans—they ripple through your entire financial life. In this episode, Miguel Gonzalez, CRC, explains how rising and falling rates impact your savings, borrowing, and investments.

Cortburg Retirement Advisors is a boutique financial planning firm committed to helping you grow, protect, and preserve your assets from your first job to retirement. We specialize in wealth management, estate and tax planning, group retirement, employee benefits, insurance, and retirement planning to navigate any economic climate.

Miguel Gonzalez, a Retirement Specialist with 20+ years of experience, offers expertise in retirement income planning, investment management, and retirement plan design. With an MBA from Columbia Business School, and professional experience with JP Morgan Chase, Merrill Lynch, and more, Miguel is a trusted advisor for his clients.


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Welcome to Cortburg Speaks Retirement Podcast
with Miguel Gonzalez, MBA, AIF®, CPFA®, CRC®

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Transcript

Welcome to Cortburg Speaks Retirement

An audio podcast about investing in the stock market, financial planning, money management and retirement planning.  Each Wednesday, we help investors at all stages of life learn how to potentially grow and preserve their money from first job through retirement.

Now here is your host, Miguel Gonzalez.

 HOST

Good morning and welcome to the CORTBURG SPEAKS RETIREMENT audio podcast.   

This week, let’s talk about something that’s been in the headlines a lot—interest rates. They may seem like just numbers set by the Federal Reserve, but they affect all of us—our savings, our loans, and even the overall economy.
 
 At the simplest level, interest is the cost of borrowing money—or the reward for saving it. When rates rise, borrowing becomes more expensive but savers can earn more. When rates fall, borrowing is cheaper, but returns on savings accounts and bonds usually decline.
 
 If interest rates are going up, you might notice higher borrowing costs, a slower housing market, and better returns on savings. Rising rates are often used to slow inflation.
 
 When rates drop, borrowing costs fall, mortgages become cheaper, and savings yields decline. Falling rates are often used to stimulate the economy.
 
 Interest rates also affect investments. Rising rates can pressure stocks and lower bond prices, while falling rates can encourage more investment.
 
 The bottom line: interest rates ripple through your daily financial life. Understanding how they work can help you make smarter decisions about saving, borrowing, and investing.

This is Miguel Gonzalez, Certified Retirement Counselor (CRC) and Managing Partner, with Cortburg Retirement Advisors signing off for this week’s educational podcast.  

End of video disclosures:
CRC conferred by The International Foundation for Retirement Education.

 Securities offered through LPL Financial. Member FINRA/SIPC. Investment advice offered through Private Advisor Group, LLC, a registered investment advisor.
 
 

Private Advisor Group, LLC and Cortburg Retirement Advisors, Inc. are separate entities from LPL Financial.
 
 

The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.
 
 

All information is believed to be from reliable sources; however, LPL Financial makes no representation as to its completeness or accuracy.

Past performance is no guarantee of future results. All investing involves risk, including the possible loss of principal. 

Assumed rates of return are for illustrative purposes only and do not reflect the performance of any specific investment. Market returns vary and are not guaranteed.

Tax treatment of investment earnings may affect compound growth. Consult with a tax professional for guidance specific to your situation."