Latest news with #TIPS
Yahoo
a day ago
- Business
- Yahoo
4 Ways To Protect Your Portfolio If Trade Wars Lead to Recession
The U.S. economy faced an 'elevated' risk of recession due to President Donald Trump's tariff plans, but J.P. Morgan recently reduced that risk to 40% due to the decreased tariffs on Chinese imports. Still, Joseph Lupton, a global economist at J.P. Morgan, said to 'expect material headwinds to keep growth weak through the rest of this year.' Read More: For You: J.P. Morgan CEO Jamie Dimon also raised the risk of stagflation in an interview on Bloomberg TV in late May. Stagflation happens when the economy exhibits high inflation and slow or negative growth, plus high unemployment rates. If trade wars do lead to a recession or stagflation, financial experts recommend taking these four steps to protect your portfolio. Diversification isn't just about keeping a balanced portfolio of stocks, bonds and other assets — it's also about gravitating toward assets that provide stability in an uncertain environment. The experts at Fidelity Wealth Management recommend investing 'defensively,' so you'll experience 'shallower dips' in your portfolio when the broader markets are declining. This could mean putting more money into U.S. Treasury bonds, Treasury Inflation-Protected Securities (TIPS) or alternative asset classes, such as hedge funds and derivatives. Find Out: One of the best ways to recession-proof your portfolio is to 'shore up your cash reserves,' according to Charles Schwab. Failing to do so means you could be forced to sell stocks during a market decline and face extensive losses. For non-retirees, Schwab recommended setting aside three to six months' worth of living expenses in safe places like interest-bearing checking accounts, money market savings accounts, money market funds and short-term CDs. Cash reserves for retirees should cover two to four years' worth of expenses. It's easy to let emotions such as fear or greed guide your investment decisions during periods of economic and market volatility. But that's the last thing you want to do, because it usually means you get away from the investment principles that helped you build wealth in the first place. 'We've seen lots of evidence that when people experience significant volatility in the markets, they may become emotional and abandon their financial plan,' Scott McAdam, an institutional portfolio manager with Strategic Advisers, told Fidelity. Anthony Grosso, a New York-based financial strategist and mortgage loan originator, recommended focusing on areas of opportunity, whether it means buying quality stocks at bargain prices or finding investments that do well during periods of economic stress. 'The number one thing you want to focus on is mindset,' Grosso said. 'You don't go back to the same horse that's showing weakness. You look elsewhere, even if it's just a small percentage, because every cycle turns.' In addition to adjusting your stock investments, Charles Schwab recommended moving some of your money into the following assets during a recession: Fundamental index funds: These funds 'favor value' because they're weighted toward fundamentals such as adjusted revenue, dividend yields and earnings. Longer-maturity bonds: Investing in longer-maturity bonds is a good idea when interest rates rise, because you can lock in current high rates before they fall. Editor's note on political coverage: GOBankingRates is nonpartisan and strives to cover all aspects of the economy objectively and present balanced reports on politically focused finance stories. You can find more coverage of this topic on More From GOBankingRates Surprising Items People Are Stocking Up On Before Tariff Pains Hit: Is It Smart? Mark Cuban Says Trump's Executive Order To Lower Medication Costs Has a 'Real Shot' -- Here's Why This article originally appeared on 4 Ways To Protect Your Portfolio If Trade Wars Lead to Recession Sign in to access your portfolio
Hans India
3 days ago
- Entertainment
- Hans India
Scotland schedule wrapped for Varun Dhawan's rom-com ‘Hai Jawani Toh Ishq Hona Hai'
Varun Dhawan has officially wrapped the Scotland schedule for his upcoming romantic comedy Hai Jawani Toh Ishq Hona Hai. Taking to social media, the actor shared behind-the-scenes glimpses and wrote, 'It's a schedule wrap for us here in Scotland on #haijawaanitohishqhonahai. So many days everyone pulling together to make this happen. Bringing u all the laughs soon. Now back home.' The film, helmed by David Dhawan, draws inspiration from the song 'Ishq Sona Hai' from the 1999 hit Biwi No.1, which starred Salman Khan and Karisma Kapoor. Reuniting with his father for this film, Varun is set to headline what's touted to be a nostalgic nod to the charm and madness of classic 90s rom-coms. The cast includes a powerhouse ensemble—Mrunal Thakur, Mouni Roy, Chunkey Panday, Pooja Hegde, Maniesh Paul, Jimmy Shergill, Rakesh Bedi, Ali Asgar, Kubbra Sait, Rohit Saraf, Rajeev Khandelwal, Nitish Nirmal, and Sreeleela—suggesting a laughter riot in the making. While the plot details remain under wraps, buzz indicates the film will blend humor, love, and old-school Bollywood vibes. Produced by Ramesh Taurani under the TIPS banner, the film's release date is yet to be announced. Adding a layer of fun to Varun's post, Janhvi Kapoor—his co-star from the upcoming Sunny Sanskari Ki Tulsi Kumari—commented, 'Sunny Sanskari is needed back in the bay asap pls.' Arjun Kapoor chimed in with a quirky, 'Ramesh ji!!! The hypebeast…' Apart from this, Varun is also gearing up to play Major Hoshiar Singh Dahiya in Border 2, alongside Sunny Deol, Diljit Dosanjh, and Ahan Shetty, under Anurag Singh's direction. Varun's romantic innings and patriotic portrayals seem to be keeping his calendar both packed and promising.
Time of India
4 days ago
- Entertainment
- Time of India
Varun Dhawan wraps up the Scotland schedule of 'Hai Jawani Toh Ishq Hona Hai'
Actor Varun Dhawan and the team have concluded the Scotland schedule of their much-discussed next, "Hai Jawani Toh Ishq Hona Hai". Sharing the professional update on social media, Varun penned, "It's a schedule wrap for us here in Scotland on #haijawaanitohishqhonahai. So many days everyone pulling together to make this happen. Bringing u all the laughs soon. Now back home." Varun's 'Sunny Sanskari Ki Tulsi Kumari 'co-star Janhvi Kapoor commented, "Sunny Sanskari is needed back in the bay asap pls." Additionally, Arjun Kapoor penned in the comment section, "Ramesh ji !!! The hypebeast..." The post also included some fun moments of the "Badlapur' actor in Scotland with his co-stars Mrunal Thakur, Mouni Roy, Chunkey Panday, Pooja Hegde, Maniesh Paul, Jimmy Shergill, Rakesh Bedi , Ali Asgar, Kubbra Sait, Rohit Saraf, Rajeev Khandelwal, Nitish Nirmal, and Sreeleela. Varun Dhawan's sweet gesture towards a child at airport wins hearts! The title "Hain Jawani Toh Ishq Hona Hain" is inspired by the song "Ishq Sona Hai" from "Biwi No.1." starring Salman Khan, Karisma Kapoor, and Sushmita Sen . The 1999 drama was helmed by David Dhawan, who is also directing Varun's next. Although, not much has been disclosed regarding the plot, "Hai Jawani Toh Ishq Hona Hai" is reported to have the charm of classic 90s rom-coms. Backed by Ramesh Taurani under the banner of TIPS, the release date for "Hain Jawani Toh Ishq Hona Hain" has not been revealed till now. Over and above this, Varun will once again be seen sharing screen space with Janhvi in Shashank Khaitan's "Sunny Sanskari Ki Tulsi Kumari." These two were earlier paired on-screen in the 2023 romantic entertainer, "Bawaal". Sanya Malhotra, Abhinav Sharma, Maniesh Paul, and Manini Chadha are also a part of the project's pivotal cast. Furthermore, Varun has also been roped in to play Param Vir Chakra awardee Major Hoshiar Singh Dahiya in "Border 2", which is being made under the direction of Anurag Singh. He will be co-starring Sunny Deol, Diljit Dosanjh, and Ahan Shetty in the highly-anticipated sequel. Check out our list of the latest Hindi , English , Tamil , Telugu , Malayalam , and Kannada movies . Don't miss our picks for the best Hindi movies , best Tamil movies, and best Telugu films .
Yahoo
6 days ago
- Business
- Yahoo
ACI Worldwide launches new centralised payments hub
ACI Worldwide has unveiled its cloud-native payments hub, ACI Connetic, which integrates several major UK, EU, and global payment networks' capabilities. These capabilities include Swift cross-border payments and real-time gross settlement (RTGS) systems such as Target2, SEPA Instant RT1, and TIPS payments. The move is aimed at streamlining the payment processes for banks and financial institutions by offering a platform that combines account-to-account, card payments, and AI-powered fraud prevention. The company stated that further enhancements to the platform's capabilities are planned. ACI Connetic looks to meet the needs of modern banking, enabling financial institutions of various sizes to adopt a centralised approach to managing all types of payments. The platform is engineered to provide financial institutions with 'scalability' and 'resilience', and the ability to introduce new services to their customers. It features cloud-native architecture, a modular design and open APIs that simplify the integration process with existing systems, reducing the time required to deploy. To facilitate this integration, ACI is collaborating with various global clearing and settlement systems, including the Bank of England, ECB, EBA Clearing, and Stet, as well as Swift, the Federal Reserve, and The Clearing House. The aim is to provide banks around the world with access to a broad range of payment methods through ACI Connetic. ACI Worldwide CEO and president Thomas Warsop said: 'ACI Connetic is not just a new product, it is a new standard for how banks must operate in the digital economy and approach payments transformation. 'Against the backdrop of increasing payments complexity, the rise of new technologies and a shifting regulatory environment, ACI Connetic empowers financial institutions to unlock new revenue opportunities and navigate compliance in order to drive growth and financial inclusion.' ACI Worldwide disclosed a net income of $58.9m for the first quarter of 2025, swinging back to profit from a $7.8m loss reported in the same quarter last year. "ACI Worldwide launches new centralised payments hub " was originally created and published by Electronic Payments International, a GlobalData owned brand. The information on this site has been included in good faith for general informational purposes only. It is not intended to amount to advice on which you should rely, and we give no representation, warranty or guarantee, whether express or implied as to its accuracy or completeness. You must obtain professional or specialist advice before taking, or refraining from, any action on the basis of the content on our site. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
Finextra
26-05-2025
- Business
- Finextra
Banks expect to lose millions in interest due to Sepa Instant
Nearly half of European banks expect to lose millions in interest due to new liquidity demands under the Sepa Instant Payments regulation, but still believe the benefits of the change will outweigh the costs. 0 As the industry races to meet the October compliance deadline, when instant euro payments will become mandatory across the EU, RedCompass Labs has surveyed 300 senior payments professionals at European banks on the subject. One of the biggest challenges banks face is liquidity. Sepa Instant requires 24/7/365 processing, but the European Central Bank's Target2 system — used for wholesale payments and liquidity management — only operates on weekdays between 07:00 and 18:00 CET. As a result, banks must pre-fund their accounts in the Target Instant Payment Settlement (TIPS) system to ensure liquidity during evenings, weekends, and holidays. This is expensive for banks. Idle funds held in central bank accounts tie up capital that could otherwise be deployed for lending or investment. Borrowing from central banks (such as through the marginal lending facility) incurs costs. And transferring money from interest-bearing accounts or market investments into TIPS reduces potential earnings. The planned removal of the €100,000 transaction limit will make this more difficult. Higher limits make it harder for banks to predict how much money they need. Nearly every bank surveyed (93%) expressed concern. Almost half (48%) said they are 'very concerned'. To prepare, nearly half of respondents are increasing their liquidity buffers, while a similar number are upgrading their fraud and sanctions screening tools to handle higher volumes at odd hours. Two in five banks are adjusting their risk management frameworks, and a similar percentage are setting up bilateral agreements to set limits with other banks. Sanctions screening is set to be another big challenge. Over half report a surge in rejected payments tied to sanctions screening under Sepa Instant. Most see a 30-50% increase due to requirements to clear payments in 10 seconds. To keep up, two-thirds of banks say they plan to use AI to reduce false positives in sanctions screening, while a similar number are investing in tools to improve the speed and accuracy of transaction monitoring. Despite the pressures, over eight in ten banks believe the benefits of Sepa Instant outweigh the costs. And, while nearly half of respondents say that they struggled to meet the first January deadlines, 85% believe the October date is realistic.
