Tag Archives: CME Fed Watch tool

Fed Watch… All Eyes (not on Vacation-haha) On FOMC (Federal Open Market Committee) Rate Increase or NOT – NOT being most likely … CME Fed Tracker Review …

With a Jerome Powell lead FOMC (Federal Open Market Committee) meeting this week (Announcement Wednesday to be exact) AND an economic projections due this announcement….

Let the Gaming Begin of a rate increase or not?

CME Fed Tracker – 70% Stay 30% Raise .25%

Left Graph is 70% and the markets pricing of a probability of NOT raising…

Right Graph is 30% and the probability of raising .25% or 25 basis points…

By the Way…. Of course the FOMC watches market expectations and know if they raise it will be a slight surprise…. 25 basis points is really nothing at this point, considering the meteoric rise in our rear view mirror….

Have a Great “Fed Fund Watch Week”!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

All Eyes on Jerome Powell FOMC Interest Rate Increase …. 25bps/.25% Expected …. Spring Break Working Analysis

In the middle of this week as noted here on the FOMC Calendar the FOMC chaired by Jerome Powell will most likely increase the short term federal funds rate by 25 basis points or .25%. … think your checking account interest rate.

CME Estimator at almost 100% .25-.50% increase

While the last FOMC meeting was approximately 2 months ago, what may seem like a decade given the events that have unfolded in the last 60 days, Powell in several speeches recently walked back the original 50 basis points or .50% thinking that many market participants had priced in.

Last week’s continued hot CPI report, has bond market participants pushing the probability up of further rate increases, and maybe even a higher 50 basis point rate increase this week that even the Fed has said cryptically would not occur.

As can be seen by this expanded detailed graph of the FOMC federal funds rate versus the two year treasury, the treasury market has rate increases priced in very far ahead of the FOMC.

Should the Federal Reserve increase by 50 basis points, with market participants for the most part not expecting that, turbulence would likely be the result.

This meeting is also accompanied by the economic forecasts also known as the dot plots of the Federal Reserve members, which are their expectations of future interest rates. Keep in mind these estimates fluctuate dramatically, but make for good information.

Look for more detailed information from us on the possibility of why the CPI has already neared the highest end of its range and will continue to roll over as we get copyright approval from a great new source to help explain what’s going on with that report. No doubt we are all feeling  inflation costs especially at the food and the gas lines, but due to comparables the other nonparticipating inflationary pressures will likely over power the few extreme outliers.

Have a Great “All Eyes on the Fed” day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

December 2021 Financial Planning and Capital Market Review – By John Kvale CFA, CFP

Hello and Welcome to our December 2021 Financial Planning and Capital Market Update!

If you are too busy to read, feel free to listen as we describe our post and thoughts in friendly podcast audio format as well as Video!

Newbies –

We like to articulate our thoughts and review on a Monthly basis our Financial Planning Tips, Capital Markets thoughts and current events!

Hope you enjoy!

December 2021 Video

YouTube

Financial Planning Tip(s)

First In Back to Basics Series – “The Emergency Fund”

In the inaugural post of a neat (well we think so) new idea, here in our Back to Basics series we discuss the all important Emergency fund.

This series is a review of the basics, and will serve as somewhat of a semester study of the Financial Planning foundations all the way to more advanced topics later in the series…. We plan on a mid month release of each part and somewhere south of double digit parts…. possibly with a video added to each for additional insights…. thanks in advance for sharing with those who may find this series helpful….

With the FOMC holding rates low currently, we remind that the Emergency fund is NOT investment funds, and as such may earn little if any interest in the current environment…. but that is ok, it needs to be safe, safe safe and very liquid!

We also discuss the size of the Emergency fund, depending on your situation!

FHFA Raises Conforming Mortgage Loan Amount

This post came to us due to the much larger than normal increase in the confirming (non-jumbo) loan increase amount. We have spoken at length on inflationary increases in a variety of assets, this includes homes and this much larger than normal increase in the non-jumbo Mortgage amount to $647,200 will be helpful in allowing more entry to many into the Residential Housing market, here is the actual article. and here is the link to the FHFA announcement…..

Capital Market Comments

Interest Rates and the FOMC – On Two Different Pages at Time of Post

With such importance on interest rates, the possible raising of the rates and the FOMC’s (Federal Open Market Committee) adjustment of rates…..

This post on FOMC’s rate increases, versus what the Markets are pricing in, was at the time very different. With Markets pricing in an increase in mid year of about 20% and AT THE TIME FOMC members saying a late 2022 if at all increase.

Fast forward to today and both the markets and the FOMC are saying a 60% increases in the Fed funds rate around March may be in the cards…. hmmmm

Have a Great Day, Talk to You at the End of January!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents

Bond Markets and Participants Say Raise Rates Mid 2022, FOMC Says WAY later (EOY 2022), Who is Correct?

Why this is important? Bond Markets are signaling a much faster interest rate increase(s) than Fed Speak… Someone is going to lose this game of chicken… Only time will tell us who?

Frequently, Wall Streeters (my nick name) are quoted as saying the smartest guys in the room are the Bond Markets/Participants.

Some of this rhetoric comes from the simplicity of a bond. Basically you have a time to payback (term) and risk of the asset (Quality i.e. Aa to junk).

With less to focus on, bonds and their players/participants are thought to have greater clarity…. However, in recent years (working on a decade now) the FOMC (Federal Open Market Committee) led by Jerome Powell currently, have been making direct purchases of bonds, causing possible distortions and lack of true free market discovery….

Well Maybe!

Recent Two Year Treasury Yields Rise Dramatically

Throwing water on the theme that the FOMC has taken TOTAL control of the bond market, this recent move in the 2 year treasury is signally to the FOMC by bond folks, they expect (and want) rate hikes sooner rather than later….. Hmmmmm

CME (Chicago Mercantile Exchange) FOMC Watch Tool

This neat CME Fed Watch Tool … overlays the current interest rates with a graph to show an expected increase time probability…

The way to read this chart is the orange represents the chance of a FOMC rate increase… March of 22 showing about a 20% chance of a FOMC rate increase….

Push forward to June 22, just two months later, and the probability of at least a .25% increase moves to about 80%!

The thing is, the FOMC is saying maybe one increase very late next year (2022), but certainly not the bond market/participants.

Wait too long and the FOMC may miss their chance to raise … raise too early (not likely at this time) and it could cause an unexpected headwind for the economy.

Let’s grab some popcorn and see who wins this tug of war!

Have a Great “Fed versus Bond Market” Day!

John A. Kvale CFA, CFP

Founder of J.K. Financial, Inc.

A Dallas Texas based fee only

Financial Planning Total Wealth

Management firm.

jkfinancialinc

street-cents