Monthly Archives: February 2020

HCR Wealth Advisors Gives Insight into Impact of Changing Rates


When you are preparing for your financial future, there are a wide variety of factors that can influence your ability to reach your goals. While you have some level of control over many of these variables, there are others that you have almost no control over. One risk that could alter your financial future is if the government decides to raise or reduce key interest rates. Recently, the team at HCR Wealth Advisors gave insight into how a change in interest rates could affect your financial future. 

Impacts Return of Cash

The most direct way that a change in interest rates can impact a person is by changing the return that they will receive on their cash. When interest rates were higher and you could earn 5% or more in a risk-free account, it made more sense to keep money in cash. However, with the reduced rates, it now makes less sense and investing elsewhere could be a better option.

How and Where you Invest

When interest rates change dramatically, it could also have a big impact on where you invest. When interest rates are going up, it is generally beneficial for banks as they will earn more interest income and will not increase deposit rates at the same rate. This could make them a good investment in rising rate environments but a bad investment when you think that rates will be going down. 

Changing interest rates is just one of many things that can impact your financial future. Since there is so much variability and risk out there today, it would make a lot of sense to seek out the guidance of a professional. One firm that can help you to better understand your financial needs and risks is HCR Wealth Advisors. When you meet with HCR Wealth Advisors, the team can provide you with a variety of services to help you prepare for the future. 

This article is provided for informational purposes only and should not be interpreted as investment advice.

James River Capital

Finding the right resources in order to get your business idea off the ground can be incredibly difficult. This is why most entrepreneurs stop before they can get their idea out the door. Fortunately, James River Capital has some information that will point you in the right direction whenever it comes to finding the funding for your business. 


Angel Investors

Working with a private investor is one of the most popular forms of financing out there. You are able to set the terms based upon both of your requirements. Choose this option if you wish to find the right amount of financing for your business without having to go through public channels.


Do you have an incredible pitch video that will be sure to catch everyone’s attention? Fortunately, crowdfunding is one of the best ways to get the money that you need to get your business idea in motion. What’s even better is the fact that you can also build an audience through this method as well. All you need to do is use your online resources in order to make an outreach program that can help you find the audience you need to succeed.

Venture Capital

Does your business idea require more than a million dollars to get started? This is where you will need to find the right venture capital experts. Fortunately, James River Capital has years of experience in this particular field and will help you with your venture capital needs. Large businesses and enterprises will benefit the most from this option. Though it may be high risk, there are plenty of rewards to reap for those who dare.