Insights

The Fed funds rate impacts most of the country’s interest rates including loans, bonds, and, indirectly, bank CD yields.

For a successful cash management plan, businesses need safety in the form of FDIC insurance and liquidity to match their needs.

At the July meeting, FOMC members voted to raise the Fed funds rate once again – bringing it to the highest level since 2001.

With high-net-worth clients holding more cash, RIAs are leveraging ADM’s fintech to achieve simplicity, safety, and returns.

Effective cash flow management helps businesses survive during economic turmoil and thrive during periods of prosperity.

The FDIC was established in 1933 following the Great Depression. Since then, FDIC coverage limits have been adjusted several times.

The FOMC chose not to raise the Fed funds rate at June’s meeting, but updated projections signal additional policy firming ahead.

Money market accounts can help businesses earn higher returns than checking accounts without sacrificing FDIC insurance.

Periodic turmoil in the banking sector highlights the need for businesses to protect their deposits from bank failure.

Certificates of deposit allow businesses to earn higher rates of return for their cash in exchange for structured liquidity.