<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:media="http://search.yahoo.com/mrss/" xmlns:post="http://www.twentyoverten.com"><channel><title><![CDATA[ImpactFI]]></title><description><![CDATA[Our thought-provoking pieces cover everything from financial planning, to investments and the latest industry news.]]></description><link>https://impact-fi.com</link><generator>RSS for Node</generator><lastBuildDate>Tue, 28 Apr 2026 12:26:28 GMT</lastBuildDate><atom:link href="https://impact-fi.com/blog/feed.xml" rel="self" type="application/rss+xml"/><item><title><![CDATA[December Market Commentary: Waiting for the Data]]></title><description><![CDATA[November brought mixed market signals and a long-expected Fed rate cut, offering some relief but not total clarity. As we head into year-end, what do the latest data points say about the economy, markets, and the road ahead?]]></description><link>https://impact-fi.com/blog/december-market-commentary-waiting-for-the-data</link><guid isPermaLink="false">6951fdabb32564a51755f367</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 08 Dec 2025 04:15:31 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/3L--A_J7Rvb/cropped/December-Market-Commentary.jfif"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[November Market Commentary: Government Shutdown, Labor Slowdown, but the Economy is Still Standing]]></title><description><![CDATA[While the shutdown has paused the release of official government data, the economy itself seems to be holding steady. Consumer confidence has slipped, but many companies report that people are still spending. What does it all mean?]]></description><link>https://impact-fi.com/blog/november-market-commentary-government-shutdown-labor-slowdown-but-the-economy-is-still-standing</link><guid isPermaLink="false">69128e7053b64096afc658a9</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 07 Nov 2025 06:04:11 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/pYChgpqB6Uf/cropped/November-Market-Commentary.jfif"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[ October Market Commentary: Is the Market Tuning Out the Noise or Ignoring a Warning Siren?]]></title><description><![CDATA[The Fed finally cut rates after months of holding steady, even as consumer confidence sinks and the labor market slows. However, GDP growth remains strong and markets seem unfazed. What does this mean for the road ahead?]]></description><link>https://impact-fi.com/blog/october-market-commentary-is-the-market-tuning-out-the-noise-or-ignoring-a-warning-siren</link><guid isPermaLink="false">68f6a57bfd3bf0c6693445ea</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 10 Oct 2025 09:29:51 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/WrMGCOG5VoF/cropped/October-Market-Commentary.jfif"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[September Market Commentary: Lower Rates, Higher Inflation?]]></title><description><![CDATA[August dropped a curveball. While summer brought record-breaking heat, the job market has been slipping into an icy stall. With inflation still lingering, Fed Chair Jerome Powell had already hinted that a rate cut was on the table for September. The real question is how deep: a cautious 25 basis points or a more aggressive 50? ]]></description><link>https://impact-fi.com/blog/september-market-commentary-lower-rates-higher-inflation</link><guid isPermaLink="false">68d1f1f0a8c45a1af8dc7cad</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 08 Sep 2025 04:21:52 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/xhggP_fuvYW/cropped/September-Market-Commentary.jfif"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[August Market Commentary: The Silly Season Gets Serious]]></title><description><![CDATA[Summer is usually known as the “silly season,” when headlines get lighter and the media fills space with fluff. Not this year. July saw tariff drama, shakeups among government officials, the President picking fights with the Fed, and fresh data that rattled expectations. Where does this leave the chances for a September rate cut?]]></description><link>https://impact-fi.com/blog/august-market-commentary-the-silly-season-gets-serious</link><guid isPermaLink="false">68d1df192d0bdefa9cc812f3</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 08 Aug 2025 12:47:50 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/8KnTDlOPH0B/cropped/August-Market-Commentary.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[July Market Commentary: Everything is Different Now]]></title><description><![CDATA[June packed in more global uncertainty. However, both the stock and bond markets brushed off the noise and still delivered positive returns. Are investors just numb after months of nonstop headlines, or is everyone quietly waiting for September before they start caring again?]]></description><link>https://impact-fi.com/blog/july-market-commentary-everything-is-different-now</link><guid isPermaLink="false">68d1d23b2d0bdefa9cc7ebf6</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Tue, 08 Jul 2025 11:42:29 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/OwyHyC-N-xC/cropped/July-Market-Commentary.jpg"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[June Market Commentary: The Limits of Data in a World That Keeps Changing]]></title><description><![CDATA[May reminded us that markets aren’t just driven by numbers. They’re driven by stories, headlines, and shifting expectations. On paper, the economy looks solid. But there’s a growing sense that cracks could be forming underneath. So what’s the Fed going to do?]]></description><link>https://impact-fi.com/blog/june-market-commentary-the-limits-of-data-in-a-world-that-keeps-changing</link><guid isPermaLink="false">68d19f2ea8c45a1af8dc2204</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 06 Jun 2025 07:25:04 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/IksfDoYEMYD/cropped/June-Market-Commentary.jfif"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[May Market Commentary: Does Volatility Plus Uncertainty Equal Recession?]]></title><description><![CDATA[April's market turbulence had investors bracing for a recession, but strong job growth, easing inflation, and steady Fed policy suggest a more resilient economy. Could tariff uncertainty and shifting consumer confidence still push us off course?]]></description><link>https://impact-fi.com/blog/may-market-commentary-does-volatility-plus-uncertainty-equal-recession</link><guid isPermaLink="false">682280325ab4091a62a9e100</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 12 May 2025 12:24:47 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/rmvfoBJhQoJ/cropped/May-Market-Commentary.jfif"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[April Market Commentary: A Shock to the System – Tariffs, Stagflation and Market Corrections]]></title><description><![CDATA[March kicked off on a hopeful note, with inflation coming in a bit cooler than expected. But that relief didn’t last long. “Liberation Day” as dubbed by the administration, was supposed to be a win. Instead, it became the day tariffs hit hard.]]></description><link>https://impact-fi.com/blog/april-market-commentary-a-shock-to-the-system-tariffs-stagflation-and-market-corrections</link><guid isPermaLink="false">68093122f0728fc5de5c4468</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 07 Apr 2025 06:48:59 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/-g7FAeEkM_C/cropped/April-2025-Market-Commentary.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[March Market Commentary: Tariffs, Inflation, and Taxes –  Where’s the Balance?]]></title><description><![CDATA[The new administration’s push to "reindustrialize America" is moving from campaign rhetoric to policy reality. The big question getting a lot of buzz right now is are we headed for a "Trumpcession," or will these signals prove to be short-term noise?]]></description><link>https://impact-fi.com/blog/march-market-commentary-tariffs-inflation-and-taxes-wheres-the-balance</link><guid isPermaLink="false">68092dd255f16a488baf229b</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 07 Mar 2025 06:27:09 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/M9wNH-Nz6jM/cropped/March-2025-Market-Commentary.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[February Market Commentary: A New Administration Steps In]]></title><description><![CDATA[January felt like it lasted forever, with the country facing wild weather swings and devastating wildfires. Despite all the noise from the new administration, the markets might not be taking the bluster too seriously. Could January’s market rally be a good omen for the rest of the year? ]]></description><link>https://impact-fi.com/blog/february-market-commentary-a-new-administration-steps-in</link><guid isPermaLink="false">67ae5ae43ca4a3ace0c2e12b</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 07 Feb 2025 02:03:06 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/Dhj8aL7bdrc/cropped/Hero-Feb-Market-Commentary-2025.jpg"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[January Market Commentary: Is History Repeating Itself?]]></title><description><![CDATA[2025 kicks off with some serious questions about the future of our economy. The U.S. president starts a second term with a majority in Congress, but with inflation still lingering and bond markets spooked, what does the future look like for investors?]]></description><link>https://impact-fi.com/blog/january-market-commentary-is-history-repeating-itself</link><guid isPermaLink="false">678dd0d6b025a0245e846502</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Wed, 08 Jan 2025 04:40:32 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/fhYY5mkEsh6/cropped/Jan-2025-Market-Commentary-m.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[December Market Commentary: A New Economic Regime Takes Shape]]></title><description><![CDATA[For now, the Federal Reserve’s approach to interest rates remains in focus. Will the strong job numbers and GDP growth make the Federal Reserve pause on lowering rates?]]></description><link>https://impact-fi.com/blog/december-market-commentary-a-new-economic-regime-takes-shape</link><guid isPermaLink="false">676308edcde16475529c5087</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 09 Dec 2024 06:00:15 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/iIUJunbdlRm/cropped/Dec-Market-Commentary.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[November Market Commentary: A Historic Election Offers Some Clarity]]></title><description><![CDATA[The recent election season, filled with twists and turns, concluded with the re-election of President Donald Trump. What impact will the continued Trump administration have on the economy and markets?]]></description><link>https://impact-fi.com/blog/november-market-commentary-a-historic-election-offers-some-clarity</link><guid isPermaLink="false">67326bf011f6f5120e1aaf20</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 08 Nov 2024 08:52:04 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/ZDq1ztVp_DG/cropped/November-market-commentary-Hero.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[October Market Commentary: A Volatile Start to the End of the Year?]]></title><description><![CDATA[The 50-basis point interest rate cut in September marked a shift in monetary policy. While this fueled a significant downward move, new data may temper expectations for further cuts. Will the upcoming election and geopolitical tensions keep markets volatile?]]></description><link>https://impact-fi.com/blog/october-market-commentary-a-volatile-start-to-the-end-of-the-year</link><guid isPermaLink="false">6708bbf1c29da2cf2665392e</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 07 Oct 2024 06:04:39 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/pkH0HFpynv2/cropped/Screenshot-October-Market-Commentary-2024.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[September Market Commentary: The Finish Line or the Starting Gate?]]></title><description><![CDATA[As we transition from summer to fall, the spotlight is on the anticipated shift in the Fed's monetary policy. While some predict a 50-basis point rate cut, other data points towards a more conservative 25-basis point cut.]]></description><link>https://impact-fi.com/blog/september-market-commentary-the-finish-line-or-the-starting-gate</link><guid isPermaLink="false">66e70ab9c46708f30828eb97</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 09 Sep 2024 08:52:59 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/5qTgab94EX7/cropped/Screenshot-September-Market-Commentary-2024.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[August Market Commentary: Too Late, Again?]]></title><description><![CDATA[After weeks of Olympic-themed press reports about the Fed “sticking the (soft) landing,” one very bad labor report flipped the script. Did Powell wait too long to begin cutting rates? Is a recession inevitable? What is the Sahm rule?]]></description><link>https://impact-fi.com/blog/august-market-commentary-too-late-again</link><guid isPermaLink="false">66b69a1b1bc787abc0b8da1a</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 09 Aug 2024 11:09:50 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/XBuynExULOp/cropped/Screenshot-August-Market-Commentary-2024-08-07-222959.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[July Market Commentary: A Disinflationary Trend Re-emerges]]></title><description><![CDATA[With a Fed still undecided on rate cuts and waiting on data, as well as continued heightened geopolitical risk and an election season that is already dramatic, what is in store for the balance of 2024?]]></description><link>https://impact-fi.com/blog/july-market-commentary-a-disinflationary-trend-re-emerges</link><guid isPermaLink="false">668d730a1371a0b314e8a720</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 08 Jul 2024 05:46:30 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/yc7IwQbKhx6/cropped/Screenshot-July-Market-Commentary-2024-07-08-220548.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[June Market Commentary: A Fragile Balance at the Mid-Point of the Year]]></title><description><![CDATA[May saw a return to more confidence in the economy and the markets. The Fed met early in the month, and Chairman Powell managed to curb market pessimism by stating that it was unlikely that the Fed’s next move would be a rate hike. ]]></description><link>https://impact-fi.com/blog/june-market-commentary-a-fragile-balance-at-the-mid-point-of-the-year</link><guid isPermaLink="false">66636301730b98733d734c9b</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 07 Jun 2024 08:33:11 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/7vf9kXvnd-r/cropped/Screenshot-2024-06-07-123808.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[The Economics of the NBA Playoffs]]></title><description><![CDATA[The NBA Playoffs are hugely exciting for basketball fans and athletes but are also a significant driver of economic growth for the host cities. Learn more about the economics of the NBA Playoffs!]]></description><link>https://impact-fi.com/blog/the-economics-of-the-nba-playoffs</link><guid isPermaLink="false">66359388fa68877c975d3773</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 13 May 2024 10:24:20 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/content/featured/featured_theeconomicsofnbaplayoffs.jpg"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[May Market Commentary: A New POV Takes Hold]]></title><description><![CDATA[April had it all, and most of it was not so great. Inflation is proving sticky again, which forced the market and the Fed to reassess the timing of interest rate cuts. ]]></description><link>https://impact-fi.com/blog/may-market-commentary-a-new-pov-takes-hold</link><guid isPermaLink="false">664529401e412f55071ddde8</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Tue, 07 May 2024 09:59:08 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/LP1oQbOCiCv/cropped/20240510-May-Market-Commentary-Hero-Image.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[April Market Commentary:  What a Long, Strange Trip It’s Been]]></title><description><![CDATA[Fed likely to hold rates due to strong jobs data, but cuts may come later in 2024. Markets rallied on anticipation of cuts. Equity & bond performance included. Investors advised to review portfolios and adjust for higher interest rates.]]></description><link>https://impact-fi.com/blog/april-market-commentary-what-a-long-strange-trip-its-been</link><guid isPermaLink="false">661569e6fa7182bb76a0d02c</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 08 Apr 2024 05:12:51 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/s6IDlsw1OCv/cropped/arno-smit-sKJ7zSylUao-unsplash.jpg"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[How is Inflation Calculated?]]></title><description><![CDATA[We hear a lot about inflation rates, but do you know how inflation is calculated? Interestingly enough, that’s a pretty simple formula that economists use! Find out how here. ]]></description><link>https://impact-fi.com/blog/how-is-inflation-calculated</link><guid isPermaLink="false">65a1ea1701d746f6d756dcfc</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 18 Mar 2024 04:00:53 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/content/featured/featured_howisinflationcalculated.jpg"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[March Market Commentary: Perspective on the Economy: Telescope, Microscope, or Kaleidoscope? ]]></title><description><![CDATA[Stocks are strong but inflation persists. The Fed is considering rate cuts but is cautious about inflation risks. The housing market remains expensive. Consumers are spending less. A strong equity market is welcome, but how will it impact the rest of the economy?]]></description><link>https://impact-fi.com/blog/march-market-commentary-perspective-on-the-economy-telescope-microscope-or-kaleidoscope</link><guid isPermaLink="false">65f0875b154cfd393c92e3cb</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Thu, 07 Mar 2024 04:12:00 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/so_XqsfhxCj/cropped/clover-march-commentary.jpg"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[February Market Commentary: Will A Booming Economy Stay Powell’s Hand?]]></title><description><![CDATA[Fed Chairman Powell came under ferocious criticism for how long he waited to raise rates. It looks now like the strength of the economic recovery allowed for a massive tightening without tipping over into recession. Is Powell a monetary policy magician? Or did he just get lucky?]]></description><link>https://impact-fi.com/blog/february-market-commentary-will-a-booming-economy-stay-powells-hand</link><guid isPermaLink="false">65c40e8a054c396678a44ff6</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Wed, 07 Feb 2024 07:32:12 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/sz6s1e--mQC/cropped/Screenshot-2024-02-16-111422.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[January Market Commentary: Is Rate Relief In Sight? ]]></title><description><![CDATA[The drama around the timing of the Federal Reserve’s first cuts to the key short-term interest rate continued in last few weeks of the old year and into the first week of the new year. Are rates still likely to come down in 2024? ]]></description><link>https://impact-fi.com/blog/january-market-commentary-is-rate-relief-in-sight</link><guid isPermaLink="false">65a1dea901d746f6d756d551</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 08 Jan 2024 01:08:37 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/gqs-48_HIAH/cropped/Screenshot-2024-01-12-163648.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[December Market Commentary: Rates – Lower and Sooner? ]]></title><description><![CDATA[The prevailing sentiment at the end of November, is that rates could begin to come down as early as March. How does cutting rates earlier in 2024 square with the scenario of keeping rates higher to ensure inflation doesn’t bounce back up?]]></description><link>https://impact-fi.com/blog/december-market-commentary-rates-lower-and-sooner</link><guid isPermaLink="false">6572524c80610e09997c72e8</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Thu, 07 Dec 2023 11:37:19 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/z5pdvFtEi6z/cropped/Screenshot-2023-12-07-115252.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[November Market Commentary: Powell on Rate Cuts - Nope. ]]></title><description><![CDATA[The Federal Reserve's November meeting went as the market expected: no change in rates. What wasn't expected was the October and early November rollercoaster of bond yields. And by rollercoaster, think Kingda Ka. ]]></description><link>https://impact-fi.com/blog/november-market-commentary-powell-on-rate-cuts-nope</link><guid isPermaLink="false">654acfe1de1db29f17834b5a</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Sun, 05 Nov 2023 11:31:40 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/LInJ7MsCC4/cropped/Screenshot-2023-11-06-182038.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[October Market Commentary: A New Era for the Economy Creates Uncertainty]]></title><description><![CDATA[The outcome of the Fed's meeting in September was to hold rates at the current level. It has been described as a "hawkish pause," and the Fed was clear in post-meeting remarks and statements that one more increase is still possible in 2023.]]></description><link>https://impact-fi.com/blog/october-market-commentary-a-new-era-for-the-economy-creates-uncertainty</link><guid isPermaLink="false">652432305f537c7b2bdad781</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 06 Oct 2023 05:26:38 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/asTzGu5rjgf/cropped/Screenshot-2023-10-09-130024.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[September Market Commentary: A Raft of Reassuring Data – or Not?]]></title><description><![CDATA[Instead of a recession, the economy is healthy and appears poised for slow, but sustainable, growth. This is pretty close to the soft landing that Jerome Powell consistently insisted was achievable. Can consumer spending continue to prop up the economy, or will inflation continually outpacing income take a toll?]]></description><link>https://impact-fi.com/blog/september-market-commentary-a-raft-of-reassuring-data-or-not</link><guid isPermaLink="false">64fcfcb27ecfd67779cf2857</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 08 Sep 2023 11:44:37 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/AzI1iLMaIXI/cropped/Screenshot-2023-09-08-190046.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[August Market Commentary:  The Sunny Side of the Street? ]]></title><description><![CDATA[Data releases in July told a story of a stronger-than-expected economy. The doom-and-gloom scenario of an all-but-inevitable recession seemed to be replaced by something that looked like optimism around the prospect of a soft landing. Will the Fed actually be able to pull off avoiding a recession?]]></description><link>https://impact-fi.com/blog/august-market-commentary-the-sunny-side-of-the-street</link><guid isPermaLink="false">64d288a92dc946557325eadf</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 07 Aug 2023 06:41:58 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/Ov5g_zcTN2D/cropped/August-Market-Commentary.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[July Market Commentary: The Fed Takes a Micro-Holiday]]></title><description><![CDATA[The Fed finally hit "pause" on interest rate increases in June after fifteen months and ten consecutive rate hikes. There are some signs that the rate increases already enacted are beginning to have an impact, however, wage growth remains strong. What does that mean for the timing of potential rate decreases?]]></description><link>https://impact-fi.com/blog/july-market-commentary-the-fed-takes-a-micro-holiday</link><guid isPermaLink="false">64a88e64f97acdc00cad6cd0</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 07 Jul 2023 12:41:36 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/Z-7awqEW_ca/cropped/July-Market-Commentary.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[June Market Commentary:  A Hot Labor Market Complicates the Fed’s Timeline]]></title><description><![CDATA[With the debt ceiling debate behind us, attention has now returned to the Fed. The Fed is trying diligently to tamp down economic growth to control inflation, but recent progress has slowed, and changes are incremental. What does that mean for the future path of rate hikes?]]></description><link>https://impact-fi.com/blog/june-market-commentary-a-hot-labor-market-complicates-the-feds-timeline</link><guid isPermaLink="false">6488bb91ef7546d6a52f18b7</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Wed, 07 Jun 2023 07:19:30 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/7qpxUD_ccP3/cropped/June-Market-Commentary.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[May Market Commentary:  The End of a Fed Cycle?]]></title><description><![CDATA[Inflation is falling, wage growth has moderated somewhat, and a strong labor market doesn't seem to be inducing a wage-price inflation spiral. The Fed's confidence may not be misplaced, and the economy may avoid a recession this year as inflation continues to head back down towards 2%. ]]></description><link>https://impact-fi.com/blog/may-market-commentary-the-end-of-a-fed-cycle</link><guid isPermaLink="false">64644883851a203ec3daa5b6</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 08 May 2023 09:50:37 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/xpGeInLV99/cropped/May-Market-Commentary.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[April Market Commentary: All’s Well That Ends Well? Not So Fast…]]></title><description><![CDATA[The impact of bank failures is going to take a while to be fully felt in the economy. The pullback in lending is likely already underway as banks trim balance sheets in anticipation of either new regulations or a further weakening economy. What does this mean for the Fed?]]></description><link>https://impact-fi.com/blog/april-market-commentary-alls-well-that-ends-well-not-so-fast</link><guid isPermaLink="false">642f4cfce2bd4577fcae4b8e</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Fri, 07 Apr 2023 05:17:14 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/mVHN-97Gec/cropped/Screenshot-2023-04-06-154406.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[March Madness: Non-Basketball Edition]]></title><description><![CDATA[While the fallout from bank failures will take a while to unravel, and the impact on markets will likely be ongoing, the bigger picture wraps right back to the Federal Reserve. But first, a little recent history lesson.]]></description><link>https://impact-fi.com/blog/march-madness-non-basketball-edition</link><guid isPermaLink="false">641dd14ae480f79828fc5124</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Thu, 23 Mar 2023 05:46:53 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/FUGuExcEdg/cropped/Screenshot-2023-03-24-093412.png"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[March Market Commentary: Why Aren’t Rate Hikes Working? ]]></title><description><![CDATA[Markets appear to have finally started taking Federal Reserve Chairman Jerome Powell's warnings seriously and caught up to the rhetoric that the Fed has been consistently pushing out. Rates will be higher for longer, yields went up, bond prices fell, and equity markets finally acknowledged that the pivot was nowhere in sight. What does this mean for the economy? ]]></description><link>https://impact-fi.com/blog/march-market-commentary-why-arent-rate-hikes-working</link><guid isPermaLink="false">64077fd84aa6562944feb7c0</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Wed, 08 Mar 2023 09:32:57 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/wBaJMWNn4F/cropped/pexels-pixabay-40721.jpg"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[February Market Commentary: Powell’s Not Done]]></title><description><![CDATA[The market adage is “as January goes, so goes the year.” Is it true? According to an analysis by Fidelity, January returns are positive about 75% of the time the full year turns out positive. But the data continues to be open to interpretation. ]]></description><link>https://impact-fi.com/blog/february-market-commentary-powells-not-done</link><guid isPermaLink="false">63e6981378a004bf5c987e60</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Thu, 09 Feb 2023 09:46:17 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/fx9ZBSkxcU/cropped/Screenshot-2023-02-07-123950.jpg"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[January Market Commentary: The Fed Goes Meta]]></title><description><![CDATA[While the equity markets, as measured by the S&P 500 index, was up in the third quarter, December was a disappointment from the gains seen in October and November. Inflation is dropping, if slowly. Employment is lower, but strong, which is supportive of the economy, and GDP returned to positive. What’s causing the volatility? ]]></description><link>https://impact-fi.com/blog/january-market-commentary-the-fed-goes-meta</link><guid isPermaLink="false">63dd6392f6369b4c90e0cafb</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 09 Jan 2023 09:51:28 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/05hNuLqVSS/cropped/Screenshot-2023-02-03-121259.jpg"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[December Market Commentary: The Predictive Limits of Data]]></title><description><![CDATA[We’re on the home stretch of a year in which “unprecedented” doesn’t even begin to capture it. Nothing went according to plan, for anyone, from Russia’s invasion of Ukraine to the Fed’s domestic attempts to combat inflation. ]]></description><link>https://impact-fi.com/blog/december-market-commentary-the-predictive-limits-of-data</link><guid isPermaLink="false">63a2b7242c960bac399640a9</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 12 Dec 2022 11:21:12 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/N_Lt9VD6Js/cropped/Market-Commentary-Hero-Dec-2022.jpg"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[November Market Commentary: Powell Threads the Needle?]]></title><description><![CDATA[Economic data showed some movements in the right directions, both up and down. The Federal Reserve responded by talking about letting the economy catch up to the rate increases already enacted. Does that mean that the path forward will be smoother and potentially skirt a recession?]]></description><link>https://impact-fi.com/blog/november-market-commentary-powell-threads-the-needle</link><guid isPermaLink="false">63a2b3cae769aaad1db851f5</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Tue, 15 Nov 2022 07:32:24 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/IGsQe_jMck/cropped/Market-Commentary-Hero-Nov-2022.jpg"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item><item><title><![CDATA[October Market Commentary: Fed to Economy: Drop Dead. Economy: Wait, No – We’re Slowing]]></title><description><![CDATA[The Fed raised the key short-term interest rate by another 75 basis points at the September FOMC meeting, but the big news wasn’t the well-anticipated rate increase.]]></description><link>https://impact-fi.com/blog/october-market-commentary-fed-to-economy-drop-dead-economy-wait-no-were-slowing</link><guid isPermaLink="false">63a110dde769aaad1db56932</guid><category><![CDATA[Markets & Economy]]></category><pubDate>Mon, 10 Oct 2022 11:21:03 GMT</pubDate><media:thumbnail url="https://static.twentyoverten.com/61ee43475a986337f88aa6ab/K8aMNEqrQG/cropped/Fall-Stock.jpg"/><post:categories url="https://impact-fi.com/blog/category/markets-and-economy" slug="markets-and-economy" name="Markets &amp; Economy"/></item></channel></rss>