Finance & Investing

We all know interest rates are important. Central banks control interest rates, and lowering them can stimulate the economy. It feels like adjusting interest rates is the biggest move central banks make. But have you ever thought about why interest rates are so important? Are they determined by central banks or by the market? Why can lowering interest rates stimulate the economy? Why raise interest rates during inflation? What is the relationship between interest rates and the stock market? How does it affect exchange rates?

Amidst market anticipation, the Federal Reserve has finally cut interest rates. On September 18th, the Fed announced a 50 basis point reduction, officially initiating a cycle of rate cuts for the US dollar.

Chairman Powell had been hinting at this move since the end of last year, suggesting that he would begin considering rate cuts. Throughout this year, market discussions revolved around the timing and magnitude of these cuts. Finally, in September, he made his move.

The Only Money Guide You'll Ever Need: 7 Investing Truths From "The Psychology of Money"

Introduction

I've always been fascinated by the world of investing and personal finance. Over the past two decades, I've devoured countless books on the subject, constantly searching for the holy grail of wealth creation.

For the past few years, the title of Asia's richest person has been held by two Indian tycoons: Gautam Adani and Mukesh Ambani. Their respective conglomerates, the Adani Group and Reliance Industries, cast a long shadow over the Indian economy.

The Rise and Fall of VAM Agreements in China's Capital Market

This term seems to be quite common in the capital market, appearing with high frequency. I even looked it up online, and its English translation is "Valuation Adjustment Mechanism" or "VAM." However, I've never heard of this term being used in the English-speaking world. It seems to have been taken to a whole new level in the domestic capital market of China.

I recently took a trip to Dubai and let me tell you, stepping off the plane is like landing on another planet. With surface temperatures exceeding fifty degrees Celsius, you're first met by a vast expanse of desert. Then, within this sea of sand, the silhouette of a modern city appears as if from nowhere. You've arrived in another world, one of dazzling luxury.

Since the beginning of this year, with the continuous decline of the A-share market, a large number of financial products, dubbed "Snowball" products, suddenly appeared on the market and experienced a wave of forced liquidations. This not only caused substantial losses for many high-net-worth individuals, wiping out their capital but also became a significant force further driving the market downturn.

The Federal Reserve. Arguably the most influential institution in the world when it comes to financial markets. A slight misstep in its policies led to the worst global economic depression of the 20th century. Its stimulus packages fueled a bull market in the U.S. stock market for over a decade. A slight lapse in its regulatory oversight led to multiple financial tsunamis.

The decisions made by this group of twelve individuals during their meetings can impact the global economy. And for such an important institution, it even has shareholders and pays annual dividends.

Web 3.0: Future or Scam?

Hi everyone, today we're going to delve into a complex topic: Web 3.0. You've probably been hearing about it everywhere since 2021. It seems like overnight, it became the talk of the town, touted by various media outlets as the future of the internet. Many of my former colleagues in investment banking even quit their jobs to pursue opportunities in Web3. With all the hype and buzzwords surrounding it, what exactly is Web 3.0? More importantly, where are we in its development?

The Allure and Enigma of Forex

Get ready for a deep dive into the captivating world of foreign exchange, or forex. In recent years, forex has become a hot topic in finance. It seems like everyone wants to know whether the Chinese Yuan, US dollar, or Japanese Yen will rise or fall.