Apple's M1 Pro and M1 Max chips mean new trouble for Intel

Apple's M1 Pro and M1 Max chips mean new trouble for Intel

A year ago, Apple announced it was taking on Intel's most efficient chips by introducing lightweight MacBook laptops powered by the M1, a homegrown processor. On Monday, the consumer electronics giant expanded its challenge, launching MacBook Pro laptops built around the new M1 Pro and M1 Max that take on Intel's beefier chips.

The new MacBook Pros bode well for Apple's attempt to take firmer control over its products. And they're bad news for Intel, whose chips Apple is ejecting from its Macs after a 15-year partnership. It's a loss of revenue, prestige and orders to keep its factories running at full capacity.

"Intel has completely lost the Mac and is unlikely to regain it any time soon," New Street Research analyst Pierre Ferragu said in a research note Tuesday.

Intel didn't lose this big customer overnight. The company that was once synonymous with consumer computers -- remember Intel Inside? -- fell on hard times because of difficulties upgrading its manufacturing. New CEO Pat Gelsinger has started an Intel recovery plan, including an effort to revitalize manufacturing progress. But turning around a behemoth requires patience. 

Meet the Mac's new chips

Intel's troubles encouraged Apple to develop its own chip expertise and technology for computers. (It already designed its own A-series chips for the iPhone and iPad, and indeed the M-series chips capitalize on that investment.) The company's M1 processors, which came in last year's MacBook Air and low-end 13-inch MacBook Pro, were evidence it wanted to take control of its own future.

The M1 Pro and M1 Max demonstrate the company's increasing power as a chip designer. Both are designed for more capable models, the 14-inch and 16-inch Pros, geared for video editors, programmers and others with intense computing needs. The heft of the chips -- each of which sports eight performance and two efficiency cores, compared with the M1's four-by-four design -- is intended to sustain heavy work. They also come with much more powerful graphics processing power and memory, up to 16GB for the M1 Pro and 64GB for the M1 Max.

Miniaturization is what lets chip manufacturers economically squeeze in more transistors, a chip's electronic circuitry elements. The new M1 models are doozies of miniaturization, with 34 billion transistors in the M1 Pro and 57 billion in the M1 Max. That's how it could add special chip modules for graphics, video, AI, communications and security into its high-end MacBook Pros.

Intel's troubles

Intel, which for decades has led the world in chip technology, suffered for the last half decade as an upgrade to its manufacturing technology dragged on longer than the usual two years. The company's problem came as it tried to move from a 14-nanometer manufacturing process to 10nm, the next "node" of progress. (A nanometer is a billionth of a meter.)

Intel didn't respond to a request for comment. Apple didn't comment for this story.

Apple's chip foundry, Taiwan Semiconductor Manufacturing Co., took advantage of Intel's lag to the benefit of Apple, Nvidia, AMD and other Intel rivals. It now leads in electronics miniaturization and the all-important measurement of performance per watt of power consumed. 

The result is the M1 Pro and M1 Max, which according to Apple's measurements are 1.7 times faster than Intel's current eight-core Tiger Lake chips, formally called 11th generation Core. Compared differently, the M1 Pro and Max consume 70% less power than the Tiger Lake chips at the same performance level.

Apple doesn't reveal which speed tests it uses, so the results are hard to validate at this stage. The consensus, however, is that the performance claims are valid in broad terms.

"I am overall impressed at what Apple has been able to do on the latest process from TSMC," said Patrick Moorhead, analyst at Moor Insights and Strategy. He estimates that Apple saves a few hundred dollars per laptop because it doesn't have to buy Intel processors, although it spends a lot of that money designing its chips.

Don't count Intel out yet

To be sure, Intel won't be hurt badly by the loss of Apple's business. The company has plenty of other business. The vast majority of Windows PCs still use x86 processors from Intel and AMD. And customers only rarely change from Windows to MacOS or vice versa.

It also doesn't have a lot of competition. Apple doesn't license its chips to others, and Qualcomm's efforts to sell processors to PC makers has been a limited success at best. 

Intel mostly has to worry about AMD, which makes increasingly capable chips but still trails in market share.

Intel also has its Alder Lake processor, scheduled for later this year, and Meteor Lake processor, coming in 2023, to generate excitement. The chips will bring speed boosts in part by adopting a combination of performance and efficiency cores, just like the M1 does, and by adopting the new Intel 7 and Intel 4 manufacturing processes.

Still, Apple has taken wind out of Intel's sails. Intel may narrow the gap as its new chips hit the market. But in the meantime, Apple's M series could help it steal market share from Windows computers, Intel's stronghold.

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Apple iPhone prices: All the discounts on iPhone 12, 12 Mini and 11 after the arrival of iPhone 13

Apple iPhone prices: All the discounts on iPhone 12, 12 Mini and 11 after the arrival of iPhone 13

Apple showed off its latest collection of smartphones, the iPhone 13, Mini, Pro and Pro Max, at the company's September event. With the new launch, some of Apple's older phones got price cuts and others are no longer being sold by the tech giant. 

Read more: The four iPhone 13 models compared

Before Apple's recent announcement, the iPhone 12, iPhone 12 Mini, iPhone 12 Pro, iPhone 12 Pro Max, iPhone 11 and iPhone XR were available for purchase through Apple's website. The second generation of the budget-friendly iPhone SE, which was unveiled in the spring of 2020, was also available. 

Following Apple's event on Sept. 14, the company removed several older iPhones from its online store, including the 256GB iPhone SE. The change was first spotted by MacRumors, which reported that the highest storage option for the iPhone SE has been discontinued. 

Price changes after the Sept. 14 event

• iPhone 12 64GB: from $799 to $699
• iPhone 12 128GB: from $849 to $749
• iPhone 12 256GB: from $949 to $849

• iPhone 12 Mini 64GB: from $699 to $599
• iPhone 12 Mini 128GB: from $749 to $649
• iPhone 12 Mini 256GB: from $849 to $749

• iPhone 11 64GB: from $599 to $499
• iPhone 11 128GB: from $649 to $549

Apple no longer sells these phones

• iPhone 12 Pro
• iPhone XR
• iPhone SE 256GB

That doesn't mean these phones have disappeared from the face of the earth. Many third-party retailers still stock them, and they'll still appear on Apple's refurb page when it has stock.

Apple's new operating system, iOS 15, is compatible with many of its older devices, including the iPhone XS and XS Max, iPhone XR, iPhone X, iPhone 8 and 8 Plus, iPhone 7 and 7 Plus, iPhone 6S and 6S Plus, iPhone SE and SE 2, iPod Touch (seventh generation) along with the full iPhone 12 and iPhone 11 lineup. 

For more about Apple's new operating system, here's everything to know about iOS 15, how to download the iOS 15 and the three things you need to know before installing. If you're considering buying a new iPhone soon, check out CNET's list of best iPhones in 2021, how the iPhone 13 compares with the iPhone 12 and the difference between each model in the iPhone 13 lineup.

CNET's Richard Nieva contributed to this report.

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Apple's iPad and M1 Mac Sales May Tell Us Whether the Chip Shortage Is Finally Ending

Apple's iPad and M1 Mac Sales May Tell Us Whether the Chip Shortage Is Finally Ending

Two years ago, Apple was one of the first companies to warn that the COVID-19 pandemic was impacting global manufacturing. Now the tech giant may offer the first signs that things are improving.

Apple will announce its earnings for its second fiscal quarter after market close Thursday. Usually, Apple executives who discuss the results with analysts on a public conference call like to talk about how popular its products are and how exciting the next ones will be. But over the past year, they've also increasingly warned that they're struggling to build enough iPads and Macs to meet demand, missing out on billions of dollars in potential sales.

Though Apple isn't providing forward-looking guidance during the pandemic, analysts on average expect the company to report $1.43 in profit per share on $93.9 billion in sales for the three months ended in March, according to surveys published by Yahoo Finance. That would amount to a 2% increase in profit per share from the same time a year ago and roughly 4% increase in sales.

Assuming Apple meets or beats those expectations, analysts say it's likely the iPhone and its associated accessories made the biggest difference. And that's even though demand for its Mac computers and iPad tablets has risen to record levels.

"We believe demand for the iPhone 13 held up better than expected through the end of the March quarter," Morgan Stanley analyst Katy Huberty wrote in a note to investors last week. "iPhone data points out of China were notably strong in the face of broader market weakness."

The chip shortage has impacted a lot of companies, ranging from car makers to appliance manufacturers.

Scott Stein/CNET

Whatever Apple says will likely be seen as a bellwether for the tech industry, which has struggled with supply shortages, particularly as demand for computers, tablets and cameras and other technology jumped amid the pandemic.

The ongoing supply shortages have rippled throughout the global economy, slowing production of everything from cars to medical equipment. The constrained supplies have also pushed prices higher, contributing to inflation.

Apple and other tech companies have vowed to increase production in the US to help offset slowdowns in international shipping and manufacturing, but many of those projects are still years from completion. In the meantime, some supplies of chips have improved.

Analysts will likely be listening for any further signs from Apple on Thursday, particularly as the world struggles war started by Russia invading Ukraine. Lockdowns from another wave of rising COVID infections in China have shuttered ports In Shanghai and others cities, further contributing to shipping delays.

Bernstein analyst Toni Sacconaghi said in a note to investors Monday that consumers appear to be slowing their spending binge that was a hallmark of the pandemic. "With slowing growth, high inflation and geopolitical uncertainty tied to the Russia-Ukraine conflict," he wrote, "consumer sentiment appears to be waning."

There are also signs that the manufacturing slowdowns may still impact financial results for the summer, particularly as Evercore ISI analyst Amit Daryanani noted that factories that make about 20% of iPhones were shut down this month amid rising health concerns. "Revenue growth will likely decelerate," he wrote in typical Wall Street lingo on Monday, adding that sales may drop more than even some analysts may be expecting.

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Apple's MacBook Pro Models With M1 Pro Chip Hit New Lows, With Up to $350 Off

Apple's MacBook Pro Models With M1 Pro Chip Hit New Lows, With Up to $350 Off

If you've been holding out for a steep discount on Apple's top-tier MacBook Pro models, your patience is being rewarded today with some of the best MacBook deals we've seen to date. Apple's MacBook Pro models with its powerful M1 Pro chip have had prices slashed at Best Buy with as much as $350 taken off their regular prices. The My Best Buy member-exclusive markdowns apply to both 14-inch and 16-inch versions and make for the lowest prices ever on these machines. 

If you want Apple's largest laptop, the 16-inch MacBook Pro is the very fellow. It packs in a gorgeous 16.2-inch Liquid Retina XDR display with ProMotion and 1,600 nits of peak brightness. Inside, the devices are powered by Apple's M1 Pro chip with a 10‑core CPU, 16‑core GPU and 16GB of RAM. Both the 512GB and 1TB configurations are discounted by $350 at Best Buy right now -- a better price than during Prime Day earlier this month. 

On the smaller side, the more portable 14-inch MacBook Pro is available for as little as $1,699 at Best Buy, which is $300 off. That's the lowest we've seen this machine go and the 1TB configuration is discounted by even more at $350 off. Both machines are also running Apple's M1 Pro chip with 16GB of RAM.

There's no telling how long these deals will last, so it's best to place your order as soon as possible if you want to get in on the current savings. As mentioned, the full discount on each laptop is exclusively available to My Best Buy members, though it's free to sign up for a membership, making it well worth doing. If you're not seeing the full savings, make sure you're logged in with your My Best Buy account.

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Inflation, Interest Rates and Jobs: How Today's Economy Compares to Recessions of the Past

Inflation, Interest Rates and Jobs: How Today's Economy Compares to Recessions of the Past

This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.

What's happening

There's still debate about whether the US economy is officially headed into a recession, but the economic downturn is causing widespread stress.

Why it matters

Periods of financial volatility and market decline can drive people to panic and make costly mistakes with their money.

What's next

Examining what's happening now -- and comparing it with the past -- can help investors and consumers decide what to do next.

Facing the aftershocks of a rough economy in the first half of 2022, with sky-high inflation, rising mortgage rates, soaring gas prices and a bear market for stocks, leading indicators of a recession have moderated slightly in the past month. That could mean the economic downturn won't be as long or brutal as expected. 

Still, the majority of Americans are feeling the sting of rising prices and anxiety over jobs. The country has experienced two consecutive quarters of economic slowdown -- the barometer for measuring a recession -- even though the National Bureau of Economic Research hasn't made the "official" recession call.  

At a time like this, we should consider what happens in a recession, look at the data to determine whether we're in one and try to maintain some historical perspective. It's also worth pointing out that down periods are temporary and that, over time, both the stock market and the US economy bounce back. 

I don't mean to minimize the gravity and hardship of the times. But it can be useful to review how the economy has behaved in the past to avoid irrational or impulsive money moves. For this, we can largely blame recency bias, our inclination to view our latest experiences as the most valid. It's what led many to flee the stock market in 2008 when the S&P 500 crashed, thereby locking in losses and missing out on the subsequent bull market. 

"It's our human tendency to project the immediate past into the future indefinitely," said Daniel Crosby, chief behavioral officer at Orion Advisor Solutions and author of The Laws of Wealth. "It's a time-saving shortcut that works most of the time in most contexts but can be woefully misapplied in markets that tend to be cyclical," Crosby told me via email. 

Before you make a knee-jerk reaction to your portfolio, give up on a home purchase or lose it over job insecurity, consider these chart-based analyses from the last three decades. We hope this data-driven overview will offer a broader context and some impetus for making the most of your money today.

What do we know about inflation? 

Historical inflation rate by year

Macrotrends.net

Current conditions: The US is experiencing the highest rate of inflation in decades, driven by global supply chain disruptions, the injection of federal stimulus dollars and a surge in consumer spending. In real dollars, the 8.5% rise in consumer prices over the past year is adding about $400 more per month to household budgets. 

The context: Policymakers consider 2% per year to be a "normal" inflation target. The country's still experiencing over four times that figure. The 9.1% annual rate in July was the largest jump in inflation since 1980 when the inflation rate hit 13.5% following the prior decade's oil crisis and high government spending on defense, social services, health care, education and pensions. Back then, the Federal Reserve increased rates to stabilize prices and, by the mid-1980s, inflation fell to below 5%.

The upside: As overall inflation rates rise, the silver lining might be increased rates of return on personal savings. Bank accounts are starting to offer more attractive yields, while I bonds -- federally backed accounts that more or less track inflation -- are attracting savers, too. 

What's happening with mortgage rates? 

30-year fixed-rate mortgage averages in the US

Current conditions: As the Federal Reserve continues its rate-hike campaign to cool spending and try to tame inflation, the rate on a 30-year fixed mortgage has grown significantly. In June, the average rate jumped annually by nearly 3 percentage points to almost 6%. In real dollars, that means that after a 20% down payment on a new home (let's use the average sale price of $429,000), a buyer would roughly need an extra $7,300 a year to afford the mortgage. Since then, rates have cooled a bit, even dipping back down below 5%. What happens next with rates depends on where inflation goes from here.

The context: Three years ago, homebuyers faced similar borrowing costs and, at the time, rates were characterized as "historically low." And if we think borrowing money is expensive today, let's not forget the early 1980s when the Federal Reserve jacked up rates to never-before-seen levels due to hyperinflation. The average rate on a 30-year fixed-rate mortgage in 1981 topped 16%. 

The upside: For homebuyers, a potential benefit to rising rates is downward pressure on home prices, which could cause the housing market to cool slightly. As the cost to borrow continues to increase with mortgages becoming more expensive, homes could experience fewer offers and prices would slow in pace. In fact, nearly one in five sellers dropped their asking price during late April through late May, according to Redfin. 

On the flip side, less homebuyers mean more renters. Rent prices have skyrocketed, and housing activists are asking the White House to take action on what they call a "national emergency."

What about the stock market? 

Dow Jones Industrial Average stock market index for the past 30 years

Macrotrends.net

Current conditions: Year-to-date, the Dow Jones Industrial Average -- a composite of 30 of the most well-known US stocks such as Apple, Microsoft and Coca-Cola -- is about 8.5% below where it started in January. Relative to the broader market, technology stocks are down much more. The Nasdaq is off almost 19% since the start of the year. 

The benchmark S&P 500 stock index hit lows in June that marked a more than 20% drop from January, which brought us officially into a bear market. Since then, it's bounced back up a little, but some experts warn that a current bear market rally is at odds with expected earnings and we could see even lower stock prices in the near future.

The context: Stock price losses in 2022 are not nearly as swift and steep as what we saw in March 2020, when panic over the pandemic drove the DJIA down by 26% in roughly four trading days. The market reversed course the following month and began a bull run lasting more than two years, as the lockdown drove massive consumption of products and services tied to software, health care, food and natural gas. 

Prior to that, in 2008 and 2009, a deep and pervasive crisis in housing and financial services sank the Dow by nearly 55% from its 2007 high. But by fall 2009, it was off to one of its longest winning streaks in financial history. 

The upside: Given the cyclical nature of the stock market, now is not the time to jump ship.* "Times that are down, you at least want to hold and/or think about buying," said Adam Seessel, author of Where the Money Is. "Over the last 100 years, American stocks have been the surest way to grow wealthy slowly over time," he told me during a recent So Money podcast.

*One caveat: If you're closer to or living in retirement and your portfolio has taken a sizable hit, it may be worth talking to a professional and reviewing your selection of funds to ensure that you're not taking on too much risk. Target-date funds, a popular investment vehicle in many retirement accounts that auto-adjust for risk as you age, may be too risky for pre- or early retirees. 

What does unemployment tell us? 

US unemployment rates

Current conditions: The July jobs report shows the unemployment rate holding steady, slightly dropping to 3.5%. The Great Resignation of 2021, where millions of workers quit their jobs over burnout, as well as unsatisfactory wages and benefits, left employers scrambling to fill positions. However, that could be changing as economic challenges deepen: More job losses are likely on the horizon, and an increasing number of workers are concerned with job security. 

The context: The rebound in theunemployment rate is an economic hallmark of the past two years. But the ongoing interest rate hike may weigh on corporate profits, leading to more layoffs and hiring freezes. For context, during the Great Recession, in a two-year span from late 2007 to 2009, the unemployment rate rose sharply from about 5% to 10%. 

Today, the tech sector is one to watch. After benefiting from rapid growth led by consumer demand in the pandemic, companies like Google and Facebook may be in for a "correction." Layoffs.fyi, a website that tracks downsizing at tech startups, logged close to 37,000 layoffs in Q2, more than triple from the same period last year. 

The upside: If you're worried about losing your job because your employer may be more vulnerable in a recession, document your wins so that when review season arrives, you're ready to walk your manager through your top-performing moments. Offer strategies for how to weather a potential slowdown. All the while, review your reserves to see how far you can stretch savings in case you're out of work. Keep in mind that in the previous recession, it took an average of eight to nine months for unemployed Americans to secure new jobs.

§

What's happening

Home prices overall are up by 37% since March 2020.

Why it matters

Surging home prices and higher interest rates make monthly mortgage payments less affordable.

What's next

Rising mortgage rates will make borrowing money more expensive, which will lessen competition to buy homes and eventually flatten prices.

Home prices continued to skyrocket in March as buyers tried to stay ahead of rising mortgage rates. 

Prices increased by 20.6% this March compared to last year, according to the S&P CoreLogic Case-Shiller Indices, the leading measures of US home prices. This was the highest year-over-year increase in March for home prices in more than 35 years of data. Seven in 10 homes sold for more than their asking price, according to CoreLogic. 

Out of the 20 cities tracked by the 20-city composite index, Tampa, Phoenix and Miami saw the highest year-over-year gains in March. Tampa saw the greatest increase, with an almost 35% increase in home prices year-over-year. All 20 cities experienced double-digit price growth for the year ending in March.

The strongest price growth was seen in the south and southeast, with both regions posting almost 30% gains in March. Seventeen of the 20 metro areas also saw acceleration in their annual gains since February. 

"Those of us who have been anticipating a deceleration in the growth rate of US home prices will have to wait at least a month longer," said Craig Lazzara, managing director at S&P DJI, in the release. "The strength of the Composite indices suggests very broad strength in the housing market, which we continue to observe."

Since the start of the pandemic in March 2020, home prices overall are up by 37%. The current surge in home prices is a result of tight competition between buyers in a low-inventory market as they attempt to lock in lower mortgage rates before rates jump even higher throughout the year, as experts predict they will.

If you're considering buying a new home -- or are actively in the market -- the news isn't all bad. Interest rates are at their highest point in more than 40 years, and one potential benefit of that may, eventually, be downward pressure on home prices. As it becomes increasingly expensive to borrow money, fewer people will seek to do so, and homes for sale may receive fewer offers leading to, eventually, lower prices. In fact, nearly one in five sellers lowered their asking price during a four-week period in May and April, according to Redfin.

"Mortgages are becoming more expensive as the Federal Reserve has begun to ratchet up interest rates, suggesting that the macroeconomic environment may not support extraordinary home price growth for much longer," said Lazzara. "Although one can safely predict that price gains will begin to decelerate, the timing of the deceleration is a more difficult call."

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Stock Market Secrets: My Smartest Investment Tips After 16 Years of Reporting

Stock Market Secrets: My Smartest Investment Tips After 16 Years of Reporting

This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.

If there's one thing I've learned in all my years of reporting, it's this: The stock market is moody.

In 2006, I began a new role as a financial correspondent reporting from the trading floor of the New York Stock Exchange. My job was to make sense of why the market was up or down each day. I'd start out each morning interviewing mostly older, white male brokers who were in charge of buying and selling shares on behalf of large institutional investors. (Also true: I was required to wear closed-toe shoes and a blazer. The dress code then was strict and a bit ridiculous.) 

I learned if tech stocks slumped just after the market opened, it might have been due to lower-than-expected earnings the evening before from an industry giant like Apple. Any hint of turbulence in the tech sector induced panicked brokers to drop shares at the opening bell. 

The market doesn't actually reflect reality. It measures the moods and attitudes of people like the brokers I used to interview. 

"Today's stock prices aren't because of how businesses are performing today," said Matt Frankel, a certified financial planner and contributing analyst for The Motley Fool, in an email. "They are based on future expectations." 

That's the problem: Current prices serve as a gauge of investor confidence, but stock market predictions are, at best, educated guesses. And to further complicate matters, "the markets are not always correct," according to Liz Young, head of investment strategy at SoFi. 

Reporting from the floor of the NYSE during the May 2010 "flash crash," when major stock indices crashed and then partially rebounded within an hour. 

Screenshot/CNET

Sound discouraging? I hear you, but it's still worth investing. Here's why.

While the stock market represents an elite class of investors (the wealthiest 10% of Americans hold 89% of stocks), it has proven over time to be a reliable way to grow your money for anyone with the tools and information to try. And technology has made it cheaper and easier to access. Now, a whole new generation has the chance to start investing and building wealth. If you can afford your basic needs and have some emergency savings set aside, there's no better time than now to invest -- even if it's just $20 a month.

Of course, the stock market feels particularly risky right now and it's natural to want to safeguard your money when the economy is volatile. If you're on the fence about investing because you're worried about a recession, or you just don't feel comfortable taking financial risks right now, you're not alone. Over 40% of Americans surveyed earlier this spring said that the bear-market downswing made them too scared to invest. 

But waiting to invest is an even bigger risk. Here's what I know for sure about how to overcome worry and invest for success.   

The 'Right Time' to Invest Is Right Now

Yes, the market is risky. Yes, there will be more crashes. But there's a high probability that the market will recover, just like it bounced back (and then some) a few years after the 2007-09 global financial crisis.

"Things will get better again. They always do," as my friend David Bach, author of the New York Times bestselling book The Automatic Millionaire told me on my podcast So Money.

Sure, it's better to buy at a low price so that you can cash in later from as much appreciation, or compound interest, as possible. But since it's very hard to predict where prices will go, the "right time" to strike is often something we only realize in hindsight. Waiting to invest until the time feels right, when you think stocks have hit a "bottom," can set you up for more failure than success. 

Your time in the market is more important than timing the market. Lying low until stocks rebound just means you're going to pay more. Instead, invest consistently and continuously, and let compounding interest build. You'll buy the dips and the highs, but ultimately, over the years, you'll come out ahead. "If you're in your 30s, or your 40s, or your 50s, and you're not retiring in the next year or two, guess what? Everything's on sale," Bach said. 

For example, had your parents invested $1,000 in the year 1960, it would be worth close to $400,000 today. That's after a presidential assassination, multiple wars, a global pandemic and many recessions, including the Great Recession. If the past is any indicator of the future, it's proven that markets will eventually recuperate from a downturn, and that they have greater periods of growth than decline. 

Read more: Investing for Beginners

Diversification is your best tool against volatility and market tumbles. Investors who are more cautious could try US bonds, which are considered "safe haven" investments because they are backed by the Treasury and offer a predictable return. 

Right now, with inflation at 8.5%, Americans are flocking toward Series I Savings Bonds, a government-issued investment that's protected against inflation. I bonds have both a fixed rate and an inflation rate that's adjusted every six months. Right now, I bonds will deliver a 9.62% annualized interest rate, which means they'll get you higher guaranteed returns than any other federally backed bank account. 

Technology Makes Investing Cheaper and More Accessible

Investing can be unnecessarily complicated and exclusionary, and the financial industry as a whole can do a lot more to break down barriers to entry. Guests on my podcast So Money, especially women, people of color and young adults, have shared how they wish they'd learned about investing sooner. 

My advice? Lean on technology, as well as the proliferation of social media and podcasts, to gain better access and education. At CNET, we are big fans of robo-advisors, such as Wealthfront and Betterment, that provide low-cost portfolio management. There's no need to wait until you have $1 million in the bank, which is what some professional investment advisors require before working with clients. You can start with just a little cash. 

And whether you're a fan of TikTok, Instagram or YouTube, there are some reputable experts there offering free education. One cautionary tip: Be sure to check their backgrounds and ensure whomever you're following is not a salesperson disguised as an investment educator!

Read more: Investing Doesn't Have to Be Intimidating. Pros and Cons to Robo-Advisors

Once you're investing, embrace automation so you never go astray. Automating our savings or retirement contributions is a smart move that, honestly, saves us from ourselves. With money in our hands, it's much easier to spend than it is to save, but technology can automatically move that money into an account. We're more likely to save for our future if we're already enrolled in a company retirement plan as opposed to choosing to opt in with each paycheck. Start your contribution with the maximum employer-match rate and try to increase your contribution to 10% or even 15%. That could net you thousands of dollars more each year. 

Pro-tip: If you're saving for retirement, see if your plan provider will automatically increase your savings rate each year (60% of employers offer this feature, according to the American Benefits Council). 

For all other types of long-term investments such as a brokerage account or Roth IRA, create a calendar reminder at the beginning of the year or on your birthday to increase your contributions.

Read more: Need to Save for Retirement? This Is the Easiest Way

You may also be able to set your portfolio to auto-rebalance so that it adjusts and automatically scoops up more stocks after a down period in the market, which can give you the right balance of stocks and bonds in your portfolio. 

Auto-rebalancing is a feature many banks and brokerages offer to ensure your portfolio's allocation doesn't fall off-kilter, says David Sekera, chief US market strategist for MorningStar. For example, let's say you set up your portfolio to have an equal mix of stocks and bonds. A bear market like the one we're in now may reduce the weight of stocks and be too heavy with bonds. But an auto-rebalance can fix that by buying more stocks when prices are low again, according to Sekera. 

I've seen first-hand how market volatility is creating a lot of uncertainty, and I know why it's hard to feel confident about investing. But history shows that staying on the sidelines as an investor can be riskier than participating in the market and riding out the dips and highs. 

Getting into the market sooner rather than later can be one of the smartest decisions on the road to building personal wealth and economic security. Along the way, be mindful of your risk tolerance, stay diversified and rely on automation to help you stay the course.

---

Source

Stock Market Secrets: My Smartest Investment Tips After 16 Years of Reporting

Stock Market Secrets: My Smartest Investment Tips After 16 Years of Reporting

This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.

If there's one thing I've learned in all my years of reporting, it's this: The stock market is moody.

In 2006, I began a new role as a financial correspondent reporting from the trading floor of the New York Stock Exchange. My job was to make sense of why the market was up or down each day. I'd start out each morning interviewing mostly older, white male brokers who were in charge of buying and selling shares on behalf of large institutional investors. (Also true: I was required to wear closed-toe shoes and a blazer. The dress code then was strict and a bit ridiculous.) 

I learned if tech stocks slumped just after the market opened, it might have been due to lower-than-expected earnings the evening before from an industry giant like Apple. Any hint of turbulence in the tech sector induced panicked brokers to drop shares at the opening bell. 

The market doesn't actually reflect reality. It measures the moods and attitudes of people like the brokers I used to interview. 

"Today's stock prices aren't because of how businesses are performing today," said Matt Frankel, a certified financial planner and contributing analyst for The Motley Fool, in an email. "They are based on future expectations." 

That's the problem: Current prices serve as a gauge of investor confidence, but stock market predictions are, at best, educated guesses. And to further complicate matters, "the markets are not always correct," according to Liz Young, head of investment strategy at SoFi. 

Reporting from the floor of the NYSE during the May 2010 "flash crash," when major stock indices crashed and then partially rebounded within an hour. 

Screenshot/CNET

Sound discouraging? I hear you, but it's still worth investing. Here's why.

While the stock market represents an elite class of investors (the wealthiest 10% of Americans hold 89% of stocks), it has proven over time to be a reliable way to grow your money for anyone with the tools and information to try. And technology has made it cheaper and easier to access. Now, a whole new generation has the chance to start investing and building wealth. If you can afford your basic needs and have some emergency savings set aside, there's no better time than now to invest -- even if it's just $20 a month.

Of course, the stock market feels particularly risky right now and it's natural to want to safeguard your money when the economy is volatile. If you're on the fence about investing because you're worried about a recession, or you just don't feel comfortable taking financial risks right now, you're not alone. Over 40% of Americans surveyed earlier this spring said that the bear-market downswing made them too scared to invest. 

But waiting to invest is an even bigger risk. Here's what I know for sure about how to overcome worry and invest for success.   

The 'Right Time' to Invest Is Right Now

Yes, the market is risky. Yes, there will be more crashes. But there's a high probability that the market will recover, just like it bounced back (and then some) a few years after the 2007-09 global financial crisis.

"Things will get better again. They always do," as my friend David Bach, author of the New York Times bestselling book The Automatic Millionaire told me on my podcast So Money.

Sure, it's better to buy at a low price so that you can cash in later from as much appreciation, or compound interest, as possible. But since it's very hard to predict where prices will go, the "right time" to strike is often something we only realize in hindsight. Waiting to invest until the time feels right, when you think stocks have hit a "bottom," can set you up for more failure than success. 

Your time in the market is more important than timing the market. Lying low until stocks rebound just means you're going to pay more. Instead, invest consistently and continuously, and let compounding interest build. You'll buy the dips and the highs, but ultimately, over the years, you'll come out ahead. "If you're in your 30s, or your 40s, or your 50s, and you're not retiring in the next year or two, guess what? Everything's on sale," Bach said. 

For example, had your parents invested $1,000 in the year 1960, it would be worth close to $400,000 today. That's after a presidential assassination, multiple wars, a global pandemic and many recessions, including the Great Recession. If the past is any indicator of the future, it's proven that markets will eventually recuperate from a downturn, and that they have greater periods of growth than decline. 

Read more: Investing for Beginners

Diversification is your best tool against volatility and market tumbles. Investors who are more cautious could try US bonds, which are considered "safe haven" investments because they are backed by the Treasury and offer a predictable return. 

Right now, with inflation at 8.5%, Americans are flocking toward Series I Savings Bonds, a government-issued investment that's protected against inflation. I bonds have both a fixed rate and an inflation rate that's adjusted every six months. Right now, I bonds will deliver a 9.62% annualized interest rate, which means they'll get you higher guaranteed returns than any other federally backed bank account. 

Technology Makes Investing Cheaper and More Accessible

Investing can be unnecessarily complicated and exclusionary, and the financial industry as a whole can do a lot more to break down barriers to entry. Guests on my podcast So Money, especially women, people of color and young adults, have shared how they wish they'd learned about investing sooner. 

My advice? Lean on technology, as well as the proliferation of social media and podcasts, to gain better access and education. At CNET, we are big fans of robo-advisors, such as Wealthfront and Betterment, that provide low-cost portfolio management. There's no need to wait until you have $1 million in the bank, which is what some professional investment advisors require before working with clients. You can start with just a little cash. 

And whether you're a fan of TikTok, Instagram or YouTube, there are some reputable experts there offering free education. One cautionary tip: Be sure to check their backgrounds and ensure whomever you're following is not a salesperson disguised as an investment educator!

Read more: Investing Doesn't Have to Be Intimidating. Pros and Cons to Robo-Advisors

Once you're investing, embrace automation so you never go astray. Automating our savings or retirement contributions is a smart move that, honestly, saves us from ourselves. With money in our hands, it's much easier to spend than it is to save, but technology can automatically move that money into an account. We're more likely to save for our future if we're already enrolled in a company retirement plan as opposed to choosing to opt in with each paycheck. Start your contribution with the maximum employer-match rate and try to increase your contribution to 10% or even 15%. That could net you thousands of dollars more each year. 

Pro-tip: If you're saving for retirement, see if your plan provider will automatically increase your savings rate each year (60% of employers offer this feature, according to the American Benefits Council). 

For all other types of long-term investments such as a brokerage account or Roth IRA, create a calendar reminder at the beginning of the year or on your birthday to increase your contributions.

Read more: Need to Save for Retirement? This Is the Easiest Way

You may also be able to set your portfolio to auto-rebalance so that it adjusts and automatically scoops up more stocks after a down period in the market, which can give you the right balance of stocks and bonds in your portfolio. 

Auto-rebalancing is a feature many banks and brokerages offer to ensure your portfolio's allocation doesn't fall off-kilter, says David Sekera, chief US market strategist for MorningStar. For example, let's say you set up your portfolio to have an equal mix of stocks and bonds. A bear market like the one we're in now may reduce the weight of stocks and be too heavy with bonds. But an auto-rebalance can fix that by buying more stocks when prices are low again, according to Sekera. 

I've seen first-hand how market volatility is creating a lot of uncertainty, and I know why it's hard to feel confident about investing. But history shows that staying on the sidelines as an investor can be riskier than participating in the market and riding out the dips and highs. 

Getting into the market sooner rather than later can be one of the smartest decisions on the road to building personal wealth and economic security. Along the way, be mindful of your risk tolerance, stay diversified and rely on automation to help you stay the course.

---

Source

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Stock Market Secrets: My Smartest Investment Tips After 16 Years of Reporting

Stock Market Secrets: My Smartest Investment Tips After 16 Years of Reporting

This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.

If there's one thing I've learned in all my years of reporting, it's this: The stock market is moody.

In 2006, I began a new role as a financial correspondent reporting from the trading floor of the New York Stock Exchange. My job was to make sense of why the market was up or down each day. I'd start out each morning interviewing mostly older, white male brokers who were in charge of buying and selling shares on behalf of large institutional investors. (Also true: I was required to wear closed-toe shoes and a blazer. The dress code then was strict and a bit ridiculous.) 

I learned if tech stocks slumped just after the market opened, it might have been due to lower-than-expected earnings the evening before from an industry giant like Apple. Any hint of turbulence in the tech sector induced panicked brokers to drop shares at the opening bell. 

The market doesn't actually reflect reality. It measures the moods and attitudes of people like the brokers I used to interview. 

"Today's stock prices aren't because of how businesses are performing today," said Matt Frankel, a certified financial planner and contributing analyst for The Motley Fool, in an email. "They are based on future expectations." 

That's the problem: Current prices serve as a gauge of investor confidence, but stock market predictions are, at best, educated guesses. And to further complicate matters, "the markets are not always correct," according to Liz Young, head of investment strategy at SoFi. 

Reporting from the floor of the NYSE during the May 2010 "flash crash," when major stock indices crashed and then partially rebounded within an hour. 

Screenshot/CNET

Sound discouraging? I hear you, but it's still worth investing. Here's why.

While the stock market represents an elite class of investors (the wealthiest 10% of Americans hold 89% of stocks), it has proven over time to be a reliable way to grow your money for anyone with the tools and information to try. And technology has made it cheaper and easier to access. Now, a whole new generation has the chance to start investing and building wealth. If you can afford your basic needs and have some emergency savings set aside, there's no better time than now to invest -- even if it's just $20 a month.

Of course, the stock market feels particularly risky right now and it's natural to want to safeguard your money when the economy is volatile. If you're on the fence about investing because you're worried about a recession, or you just don't feel comfortable taking financial risks right now, you're not alone. Over 40% of Americans surveyed earlier this spring said that the bear-market downswing made them too scared to invest. 

But waiting to invest is an even bigger risk. Here's what I know for sure about how to overcome worry and invest for success.   

The 'Right Time' to Invest Is Right Now

Yes, the market is risky. Yes, there will be more crashes. But there's a high probability that the market will recover, just like it bounced back (and then some) a few years after the 2007-09 global financial crisis.

"Things will get better again. They always do," as my friend David Bach, author of the New York Times bestselling book The Automatic Millionaire told me on my podcast So Money.

Sure, it's better to buy at a low price so that you can cash in later from as much appreciation, or compound interest, as possible. But since it's very hard to predict where prices will go, the "right time" to strike is often something we only realize in hindsight. Waiting to invest until the time feels right, when you think stocks have hit a "bottom," can set you up for more failure than success. 

Your time in the market is more important than timing the market. Lying low until stocks rebound just means you're going to pay more. Instead, invest consistently and continuously, and let compounding interest build. You'll buy the dips and the highs, but ultimately, over the years, you'll come out ahead. "If you're in your 30s, or your 40s, or your 50s, and you're not retiring in the next year or two, guess what? Everything's on sale," Bach said. 

For example, had your parents invested $1,000 in the year 1960, it would be worth close to $400,000 today. That's after a presidential assassination, multiple wars, a global pandemic and many recessions, including the Great Recession. If the past is any indicator of the future, it's proven that markets will eventually recuperate from a downturn, and that they have greater periods of growth than decline. 

Read more: Investing for Beginners

Diversification is your best tool against volatility and market tumbles. Investors who are more cautious could try US bonds, which are considered "safe haven" investments because they are backed by the Treasury and offer a predictable return. 

Right now, with inflation at 8.5%, Americans are flocking toward Series I Savings Bonds, a government-issued investment that's protected against inflation. I bonds have both a fixed rate and an inflation rate that's adjusted every six months. Right now, I bonds will deliver a 9.62% annualized interest rate, which means they'll get you higher guaranteed returns than any other federally backed bank account. 

Technology Makes Investing Cheaper and More Accessible

Investing can be unnecessarily complicated and exclusionary, and the financial industry as a whole can do a lot more to break down barriers to entry. Guests on my podcast So Money, especially women, people of color and young adults, have shared how they wish they'd learned about investing sooner. 

My advice? Lean on technology, as well as the proliferation of social media and podcasts, to gain better access and education. At CNET, we are big fans of robo-advisors, such as Wealthfront and Betterment, that provide low-cost portfolio management. There's no need to wait until you have $1 million in the bank, which is what some professional investment advisors require before working with clients. You can start with just a little cash. 

And whether you're a fan of TikTok, Instagram or YouTube, there are some reputable experts there offering free education. One cautionary tip: Be sure to check their backgrounds and ensure whomever you're following is not a salesperson disguised as an investment educator!

Read more: Investing Doesn't Have to Be Intimidating. Pros and Cons to Robo-Advisors

Once you're investing, embrace automation so you never go astray. Automating our savings or retirement contributions is a smart move that, honestly, saves us from ourselves. With money in our hands, it's much easier to spend than it is to save, but technology can automatically move that money into an account. We're more likely to save for our future if we're already enrolled in a company retirement plan as opposed to choosing to opt in with each paycheck. Start your contribution with the maximum employer-match rate and try to increase your contribution to 10% or even 15%. That could net you thousands of dollars more each year. 

Pro-tip: If you're saving for retirement, see if your plan provider will automatically increase your savings rate each year (60% of employers offer this feature, according to the American Benefits Council). 

For all other types of long-term investments such as a brokerage account or Roth IRA, create a calendar reminder at the beginning of the year or on your birthday to increase your contributions.

Read more: Need to Save for Retirement? This Is the Easiest Way

You may also be able to set your portfolio to auto-rebalance so that it adjusts and automatically scoops up more stocks after a down period in the market, which can give you the right balance of stocks and bonds in your portfolio. 

Auto-rebalancing is a feature many banks and brokerages offer to ensure your portfolio's allocation doesn't fall off-kilter, says David Sekera, chief US market strategist for MorningStar. For example, let's say you set up your portfolio to have an equal mix of stocks and bonds. A bear market like the one we're in now may reduce the weight of stocks and be too heavy with bonds. But an auto-rebalance can fix that by buying more stocks when prices are low again, according to Sekera. 

I've seen first-hand how market volatility is creating a lot of uncertainty, and I know why it's hard to feel confident about investing. But history shows that staying on the sidelines as an investor can be riskier than participating in the market and riding out the dips and highs. 

Getting into the market sooner rather than later can be one of the smartest decisions on the road to building personal wealth and economic security. Along the way, be mindful of your risk tolerance, stay diversified and rely on automation to help you stay the course.

---

Source