Saving vs investing is affected by Q2 earnings surprises. Financials reported 15% above consensus EPS growth, while fixed deposits remain at 4.3%. Investors juggle liquidity needs versus market participation. This option can save a lot of money and result in a high-quality education. However, some Redditors said that the opportunities vary for each state, with Pennsylvania and Nevada mentioned as two states with expensive in-state universities. Some state universities are also getting flooded with more applications, making it difficult to be accepted. Many investors confuse money market funds with money market accounts . Money market accounts are products offered by banks or credit unions as a savings tool and come with FDIC insurance, whereas money market funds are not FDIC-insured. Yield curve normalization prompts reevaluation of saving vs investing models. Corporate bonds average 5.6% yields, slightly above premium savings products, yet below forecasted equity market returns.
