Trump and Interest Rates!!!

There are two things that insurance companies primarily look at when it comes to adjusting interest rates:

  1.  The Ten (10) Year Treasury
  2.  The Fed Fund Rate

In recent weeks the 10 Year Treasury has gone from 1.60% up to a close of 2.60% on December 19, 2016.  The Fed Fund Rate on December 14 gained 25 basis points (.25%).

Both the Treasury and Fed rates indicate that the rates you see on,, should be heading up.  Already seeing slight improvement, but I think things will really begin to break loose in early January and continue to rise in February and March if the Treasury rate holds near its’ current level.

If you do have a concern about protecting your funds and getting a yield that’s better than the bank, please explore the CD-type annuity that’s discussed on this web site,

It is important to note that we are brokers, represent more than 50 insurance companies, and our focus is to provide you the highest interest rates available.  Further, we only work with individuals face-to-face (in our office or at your home), and all applications and checks are written to the annuity company provider.




Author: David Winer

David Winer is the President and principal planner at Elders Financial LLC. He entered the field of financial services in 1988. He has an undergraduate degree in Sociology and an MS in Marketing. David has more than 28 years insurance, 22 years retirement planning, and eight years securities experience. He completed Certified Financial Planning courses at PDI Institute, Dallas, Texas. Since 1994, David has focused on providing a financially conservative, reduced risk approach to his clients. Emphasis is given to investment safety, liquidity, and potential tax reduction. David was born and raised in Wisconsin, and has made his home in Plano, Texas with wife and family since 1981.

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