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EUR/USD 5-Minute Analysis The EUR/USD currency pair maintained its upward bias throughout the day, right up until the Fed meeting. Trading showed extremely low volatility, as no one in the market wanted to take risks before the central bank's decision. The results of the meeting and all subsequent market moves will be analyzed tomorrow. For today, it's enough to note that the U.S. economy continues to weaken in the "Trump era." Recall that Donald Trump promised "explosive economic growth," but he never clarified when this explosive growth would arrive. Most likely—not anytime soon. In recent months, only activity in the services sector has remained afloat. Unemployment is rising, industrial output is falling, retail sales are weak, and inflation is climbing. Yesterday, it also became known that new housing starts are declining in the U.S., along with building permits. In short, nearly all indicators are pointing downward. Experts are once again speaking openly about a recession. The dollar continues to fall under Trump's policies and will likely remain out of favor with traders for a long time. On all timeframes, the trend is upward. Thus, even in the very short term, there's little reason to expect dollar strength. Of course, certain events may trigger temporary rebounds, but the overall macro and fundamental background remains firmly against the greenback. On the 5-minute TF, only one formal trading signal was formed yesterday. During the European session, the price briefly moved away from the 1.1846–1.1857 area, only to return to it within a couple of hours. Daily volatility was "below the floor." COT Report The latest COT report (as of September 9) shows the net position of non-commercial traders has been "bullish" for a long time, with bears only barely taking the upper hand at the end of 2024, and quickly losing it. Since Trump took office as US President, the dollar has been the only currency to fall. We can't say with 100% certainty that the dollar will keep declining, but current events globally do point in that direction. We still see no fundamental reasons for euro strength, but plenty are supporting the dollar's drop. The global long-term downtrend remains, but what does the last 17 years' price action matter now? Once Trump ends his trade wars, the dollar may rally, but recent events show that won't happen anytime soon. Potential loss of Fed independence is another major pressure point for the US currency. The red and blue lines of the indicator keep pointing to a persistent "bullish" trend. In the last reporting week, the number of longs in the Non-commercial group rose by 2,400 contracts, while shorts fell by 3,700. Thus, the net position increased by 6,100 contracts, which isn't a significant change. EUR/USD 1-Hour Analysis On the hourly timeframe, EUR/USD continues to trend upward. Yesterday, the upward move gained momentum, and on the daily TF, it's clear that the 2025 uptrend has officially resumed. Traders are thus justified in expecting the euro to climb another 500–600 points. There is no limit to the dollar's decline, given Trump's current policies. For September 18, the key trading levels are: 1.1234, 1.1274, 1.1362, 1.1426, 1.1534, 1.1604–1.1615, 1.1666, 1.1750–1.1760, 1.1846–1.1857, 1.1922, 1.1971–1.1988, along with Senkou Span B (1.1694) and Kijun-sen (1.1770). Lines of the Ichimoku indicator may shift during the day, which should be considered when identifying signals. Don't forget to set Stop Loss to breakeven once the price moves 15 pips in the right direction—this will protect against false signals. On Thursday, Christine Lagarde will deliver yet another speech in the eurozone, while the U.S. will publish the relatively minor jobless claims report. From Lagarde's third speech this week, expectations are the same as the first two—nothing new. The ECB meeting took place last week, and the market has already received all the necessary information. Trading RecommendationsOn Thursday, the pair may continue/resume its move north. Whatever the Fed decides, and however the market reacts, the situation for the U.S. dollar remains unchanged—and will not change anytime soon. Illustration Explanations:Support and resistance price levels – thick red lines where movement may end. They are not trading signal sources.Kijun-sen and Senkou Span B lines—These are strong Ichimoku indicator lines transferred to the hourly timeframe from the 4-hour one.Extremum levels – thin red lines where the price has previously rebounded. These act as trading signal sources.Yellow lines – trend lines, trend channels, and other technical patterns.Indicator 1 on the COT charts – the size of the net position for each category of traders.The material has been provided by InstaForex Company - www.instaforex.com
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EUR/USD Overview. September 18. Three Doves Inside the Fed
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On Wednesday, the EUR/USD pair traded more calmly than on Tuesday, when euro quotes were rising throughout the day in geometric progression. Of course, this applies only to the time before the Fed's meeting results and Powell's press conference. As usual, we won't review either the meeting outcome or the post-event market movements here. We continue to believe that such important events require time for thorough analysis. Moreover, markets often trade impulsively and emotionally on those days, so technical conclusions cannot be drawn from the immediate moves. Quite often, the Fed's meeting swings don't fit into the overall technical picture at all, and are better ignored afterwards. Sometimes the pair flies in one direction only to return to its starting point the very next day. We will make conclusions once the dust settles. For now, we can say that the "dovish wing" inside the Fed is expanding, albeit very slowly. Currently, only three members are ready to vote for a rate cut at every meeting—Stephen Mirran, Christopher Waller, and Michelle Bowman. Notably, all three were appointed by Donald Trump. Here, one can see Trump's influence at play. The Fed may not be a "fly-by-night operation," but in practice, it could start looking like one. Three doves are too few. Next year, there will definitely be four, once Jerome Powell leaves his post. That's still not enough for the 3% rate cut Trump wants. Therefore, I am almost certain that Trump will continue his attacks on the "hawks" within the FOMC, trying either to dismiss them or to pressure them. Everyone understands that Mirran, Waller, and Bowman are not voting for drastic cuts because they believe it is right or consistent with the Fed's dual mandate, but because Trump demands it. The Fed risks losing not only its independence, but also its own "thinking." Trump would do the thinking, and the Fed would merely broadcast his decisions. Thus, the outlook for the Fed and the dollar is even worse than many currently assume. At first, this trio may simply be ignored by the rest of the committee—perhaps even seated together so as not to disturb others. But in the longer term, everything will depend on how many more officials Trump manages to sway. We know Trump's methods well. Hawks could be branded "fraudsters" for trivial reasons or subjected to investigations that dig up skeletons in their closets. For now, however, the Fed remains a politically independent body. Average volatility of EUR/USD over the past five trading days as of September 18 is 70 pips, which is "average." We expect the pair to move between 1.1784 and 1.1924 on Thursday. The linear regression channel's upper band points upward, indicating a continued uptrend. The CCI indicator has entered oversold territory three times, warning of trend resumption, and a bullish divergence has also been formed. Currently, the indicator is in overbought territory, but in an uptrend, this only signals a correction. Nearest Support Levels:S1 – 1.1841 S2 – 1.1780 S3 – 1.1719 Nearest Resistance Levels:R1 – 1.1902 R2 – 1.1963 R3 – 1.2024 Trading Recommendations:EUR/USD may resume its uptrend. The U.S. dollar remains under strong pressure from Donald Trump's policies, and he clearly has no intention of "stopping here." The dollar rose as much as it could (not for long), but now appears poised for another extended decline. If the price settles below the moving average, small shorts can be considered toward 1.1719 as part of a corrective move. Above the moving average, long positions remain relevant with targets at 1.1902 and 1.1963 in continuation of the trend. Chart Elements Explained:Linear regression channels help determine the current trend. If both channels point in the same direction, the trend is strong.The moving average line (settings 20,0, smoothed) indicates the short-term trend and trade direction.Murray levels serve as target levels for moves and corrections.Volatility levels (red lines) are the likely price channel for the next day, based on current volatility readings.The CCI indicator: dips below -250 (oversold) or rises above +250 (overbought) mean a trend reversal may be near.The material has been provided by InstaForex Company - www.instaforex.com -
Whispers Of CZ’s Return To Binance Push BNB Price Past $960
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Changpeng “CZ” Zhao has stirred fresh talk that he may be stepping back into a bigger public role at Binance after a sudden change to his X profile and a string of developments around the exchange. Market moves and reports about talks with US law enforcement have fed the chatter, but legal limits remain a central part of the story. Profile Change Sparks Speculation Based on reports, CZ updated his X profile from “ex-@binance” back to “@binance,” a small public tweak that many traders and observers took as a hint he might reengage with the company he founded. The market reacted quickly. BNB, Binance’s native token, climbed and in some feeds was shown near $962.29 on September 17, 2025, as traders pushed prices higher amid the rumors. Binance In Talks With US Justice Department Reports say Binance is in discussions with the US Justice Department about whether to end the three-year compliance monitor that formed part of its 2023 settlement. If those talks succeed, the monitor could be removed earlier than planned. That 2023 deal included a roughly $4.3 billion settlement and conditions meant to strengthen Binance’s controls. Ending oversight sooner would not automatically mean CZ can resume a top executive job, but it would remove one major obstacle cited by industry watchers. Legal Limits Still In Place According to earlier reporting, CZ’s legal agreements tied to the settlement include limits on his ability to run or manage the exchange for a given period. Those restrictions are a hard constraint until they are changed by a court or by an enforcement agency. Because of that, a full operational comeback as chief executive looks unlikely unless formal legal steps are taken to alter the terms. That point has been made repeatedly by legal analysts in the crypto press. Public Moves And Treasury Plans Based on reports, CZ has been talking publicly about building the BNB ecosystem and has floated plans tied to a BNB Treasury effort. Those moves are fueling the sense he is preparing to take on a bigger public role, even if it is not the same as running day-to-day operations. Some market watchers say the profile change could be symbolic — meant to reassure traders and investors — rather than the start of a formal return. Featured image from Unsplash, chart from TradingView -
Ethereum (ETH) has been consolidating between $4,200 and $4,700 after setting an all-time high last August. While many investors anticipate a strong fourth quarter, Citigroup has issued a tempered outlook, projecting ETH to close the year at $4,300. According to a Reuters report, Citi attributes Ethereum’s demand to the growing adoption of tokenization and stablecoins. However, the bank cautions that much of ETH’s recent price action may be fueled by market sentiment rather than fundamentals. The note highlighted, “Current prices are above activity estimates, potentially driven by buying pressure and excitement over use-cases.” ETF Flows and Diverging Analyst Predictions One of the main concerns weighing on Ethereum’s outlook is ETF activity. Citi expects ETH exchange-traded funds to attract weaker inflows compared to Bitcoin, a factor that could dampen bullish momentum. This comes after recent volatility in spot ETH funds, where inflows briefly returned following weeks of heavy outflows. Interestingly, not all institutions share Citi’s cautious stance. Standard Chartered raised its year-end Ethereum target to $7,500, citing the asset’s stronger position in digital treasuries and staking yields. BlackRock’s $363 million Ethereum purchase has further reinforced confidence in ETH’s long-term value. Ethereum (ETH)’s Bullish and Bearish Scenarios Ahead Citi laid out a range of possible outcomes for Ethereum. In a bullish case, ETH could climb to $6,400, driven by expanding institutional adoption and rising activity across decentralized applications. On the other hand, a bearish scenario projects a sharp drop to $2,200 if macroeconomic conditions deteriorate or equity markets face a downturn. Meanwhile, digital asset bank Sygnum has painted a more optimistic picture, pointing to Ethereum upgrades, shrinking exchange reserves, and growing institutional interest as catalysts for a potential supply squeeze. If demand continues to rise under these conditions, ETH could retest its all-time highs faster than expected. Ethereum is trading near $4,500, about 8% below its record peak. With institutional demand picking up but ETF flows posing uncertainty, the coming months will be crucial in determining whether ETH leans closer to Citi’s conservative $4,300 call or accelerates toward the bullish $6,400 target. Cover image from ChatGPT, ETHUSD chart from Tradingview
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Ethereum Bulls Eye New Records Despite Market Volatility — What’s Driving Sentiment?
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Despite a recent bout of market volatility, Ethereum’s bullish sentiment remains strong. With ETH holding strong above key support levels, its growing institutional demand and dominance in DeFi and staking, many believe the foundation for a new all-time high is already in place. What Could Derail Ethereum’s Path To A New ATH? In an X post, crypto investor CryptoELITES pointed out that Ethereum is still on track for a new all-time high. The ETH chart is exhibiting a similar pattern to previous cycles, bouncing off a bottom trendline. If the pattern holds, it implies that Ethereum has re-entered its main growth channel, the very setup that led to explosive rallies in prior cycles. As a result, the expert is confident and predicts that ETH could be headed for a new 2025 all-time high at the top. Emperor, a respected market analyst, has provided a detailed technical update on ETH price action. His analysis focuses on the key levels of support and resistance that are currently dictating the market’s direction, particularly following a period of consolidation. Emperor noted that after reaching its recent ATH, Ethereum’s price entered a phase of consolidation, trading within a specific range. A key resistance level had been holding the price down, but ETH eventually broke above it. However, a recent price move brought ETH back to this same resistance level for a bearish underside retest, which is a common technical event. According to the analysts, the retest confirmed the rejection, where the price did not successfully bounce off the level and has now returned to it. The focus is now on a key support and resistance level that previously acted as resistance during the consolidation. Meanwhile, the market is now looking to see if this level, with confirmation from trading volume, can turn into support. The Trigger For Full Expansion Ethereum has already done the heavy lifting this cycle by breaking above its key range highs around $4,100 and holding that level as support. Daan Crypto Trades, a crypto trader and investor, has revealed that the only remaining level is the 2021 all-time high, which ETH has briefly swept. However, it has not yet been able to go into full price discovery mode. Daan emphasizes the importance of the bulls holding the $4,000 to $4,100 level on higher timeframes. He noted that the wicks below are fine, as these can be a normal part of retesting a support level. However, closing below that point would be a bearish sign that could invalidate the current upward momentum. If ETH can clear $5,000 and sustain it, that’s the point where further expansion would begin. Until then, price action remains in the choppy phase. -
Most Read: Bank of Japan (BoJ) Meeting Preview: Maintaining the Status Quo. Implications for USD/JPY USD/CAD is at a crossroads in many ways and the technicals are showing some interesting patterns. Given that both the Fed and BoC chose to cut rates today could the technicals lead the way in the weeks to come? There is a possibility that the technicals could dominate for now but moving forward I expect the pace of rate cuts to come into play as well as the performance of Oil prices, which will impact the Canadian Dollar. Technical Analysis - USD/CAD Back to the technicals though and following the trendline breakout at the end of July and rally to just above the 1.3900 mark, USD/CAD has been stuck in a range. We do have the formation of a head and shoulder pattern which has now formed but price is bouncing higher at the time of writing. Now a break of the neckline at 1.3723 and candle close below could trigger a potential 200-pip selloff and retest of the 1.3500 psychological level. A bounce from here though will face resistance at the 1.3900 handle before the psychological 1.4000 handle comes into focus. The 100-day MA is serving as support at present with the daily candle closing back above after a candle closed below the 100-day MA yesterday. Looking at the RSI and it is hovering below the 50 neutral level, a sign that bearish momentum is leading the way for now. So will we get a break or bounce? USD/CAD Daily Chart, September 18, 2025 Source: TradingView.com (click to enlarge) Fundamental Factors Ahead - Will Rate Differentials and Trade Agreements Play a Role? The Bank of Canada cut its interest rate by a quarter of a percent today, which was widely expected. They didn't provide much information about what they plan to do in the future. The Bank of Canada's rate is now 2.50%, which is still much lower than the US Federal Reserve's rate is, following the Fed rate cut today. It makes sense that the Bank of Canada is hesitant to promise more rate cuts right now. However, based on their overall view of the economy and inflation risks, it seems likely that this won't be the final rate cut in this cycle. However the Fed are still expected to cut rates more aggressively than the BoC over the next 12 months. According to the implied rates updated post FOMC and BoC meetings, markets are pricing in around 134.5 bps of rate cuts through September 2026, while for the BoC markets are only expecting 26.9 bps of cuts. Source LSEG This should work in favor of Canadian Dollar strength against the US Dollar in the months ahead. Of course other factors could come into play such as the performance of Oil prices, tariff developments between the US and Canada including the USMCA renegotiation. The agreement that is in place is protecting Canada from the worst of US tariffs. If the U.S. threatens to pull out of this deal, it would increase business uncertainty and could hurt the job market even more. I believe that all the necessary conditions are in place for another interest rate cut in December, and there is even a chance it could happen sooner in October for the BoC. For now, I see this as the final cut of the cycle, but can't completely rule out more easing at this point, especially given the ongoing risks related to trade. This is something which could cap Canadian Dollar gains against the US Dollar moving forward. All in all a lot to consider for USD/CAD traders and interesting times ahead. Client Sentiment Data - USD/CAD Looking at OANDA client sentiment data and market participants are short on USDCAD with 61% of traders net-short. I prefer to take a contrarian view toward crowd sentiment and thus the fact that so many traders are short means USD/CAD prices could rise in the near-term. Best of Luck. For all market-moving economic releases and events, see the MarketPulse Economic Calendar. Opinions are the authors'; not necessarily that of OANDA Business Information & Services, Inc. or any of its affiliates, subsidiaries, officers or directors. The provided publication is for informational and educational purposes only. If you would like to reproduce or redistribute any of the content found on MarketPulse, an award winning forex, commodities and global indices analysis and news site service produced by OANDA Business Information & Services, Inc., please refer to the MarketPulse Terms of Use. Visit https://www.marketpulse.com/ to find out more about the beat of the global markets. © 2025 OANDA Business Information & Services Inc.
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Cardano (ADA) Breaks Resistance: Will Bulls Drive Toward $1 or Risk Losing Support?
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Cardano (ADA) is trading at $0.876 with a daily volume of $1.28 billion, but sellers remain in control after a sharp 7% decline over two days. On-chain data from Santiment shows the Network Realized Profit/Loss (NPL) metric spiking to its highest level since July, signaling that many investors are cashing out profits. This wave of profit-taking, while not a sign of structural weakness, has capped ADA’s recovery attempts. Analysts emphasize that defending the $0.87–$0.85 support range will be crucial to maintaining ADA’s broader bullish outlook. Technical Outlook: Will ADA Break or Hold? From a technical perspective, Cardano (ADA) is struggling beneath the 50-EMA at $0.8819, with rejection near $0.923 forming a bearish engulfing candle. The Relative Strength Index (RSI) sits at 44, suggesting sellers still have room to push lower. If ADA loses support at $0.8528, the next downside levels are $0.8264 and $0.8033. However, reclaiming $0.8843 would be the first sign of strength, opening targets at $0.9018 and $0.9234. Traders are split: aggressive bears may short below $0.8528, while conservative bulls wait for a breakout above $0.90 to confirm momentum. Adoption News Offers Bullish Counterweight Despite short-term weakness, ADA’s fundamentals remain strong. Openbank, Europe’s largest digital bank under Santander, recently integrated Cardano for 2 million customers. This development has boosted the institutional adoption narrative, potentially providing a longer-term bullish catalyst. Caution dominates in the near term. On-chain data shows a $6.7 million net outflow from exchanges on September 17, reflecting investor hesitation. Analysts warn that unless inflows pick up, ADA may continue trading sideways or drift lower before staging its next rally. Cardano Bulls Eye $1, But Risks Remain For now, $0.87–$0.85 remains ADA’s battleground. A decisive break above $0.90 could reignite bullish momentum and put ADA back on track toward the psychological $1 level. Conversely, a breakdown below $0.85 risks exposing deeper support zones at $0.82 and $0.78. Whether Cardano’s next move is upward or downward may depend on how traders react to both technical signals and growing adoption headlines in the weeks ahead. Cover image from ChatGPT, ADAUSD chart from Tradingview -
Just yesterday, I wrote about Trump's demand for the European Union to impose tariffs on India and China as part of his strategy against Russia. The very framing of this issue raises countless questions, but that's how things stand in Washington. Trump, who had praised Russia for several months, clearly expected that his flattery would help stop the war in Ukraine. In practice, however, the situation turned out differently, and the White House is dissatisfied. He continues to insist that Volodymyr Zelensky and Vladimir Putin must sign a peace agreement, but more than a month has passed since the historic Trump–Putin meeting in Alaska, which was supposed to kickstart negotiations. Nothing has moved forward. Therefore, Trump decided to fire on all fronts at once. He does not want to impose sanctions on Russia, since he still calls Russia "a friend of America" and hopes Moscow's foreign policy will not align too closely with India and China. But that's precisely the direction it is taking. As a result, Trump opted to put pressure on Beijing and New Delhi, while also aiming to funnel dollars into the U.S. budget. Trump wants both Asian powers to stop purchasing Russian energy, cutting off the Kremlin's war financing. Yet both India and China have made it clear that their trade policy cannot depend on the whims of the White House or its vision of global order. They insist on deciding for themselves where and how much oil and gas to buy for their economies. If they don't buy from Russia, then where? Trump, of course, would prefer they buy from America. Meanwhile, Europe has little appetite for imposing tariffs on India and China, especially if that means halting energy imports from Russia. Any "oil sanctions" will almost certainly be blocked by Hungary and Slovakia, which openly and directly import Russian supplies. The European Union is considering not tariffs against India, but rather a free trade agreement. Brussels wants to expand cooperation with India, not confront it, as Trump suggests. Washington's position is, of course, convenient for itself—America is across the Atlantic, and from there it's easy to dictate terms about how others should live. But Brussels has not lost its sense of reason or independence, and it will act in its own interest, not in the interest of U.S. politicians. The EU clearly understands that in the event of a conflict, the blow would fall on Europe, not on the United States. Wave pattern on EUR/USD:Based on the analysis of EUR/USD, the instrument continues forming an upward segment of the trend. The wave structure still entirely depends on the news backdrop, tied to Trump's decisions and the domestic and foreign policy of the new U.S. administration. Targets for the current trend segment may extend to the 1.25 level. Since the backdrop remains unchanged, I continue holding long positions despite the first target at 1.1875 (161.8% Fibonacci) being reached. By year-end, I expect the euro to rise to 1.2245, corresponding to 200.0% Fibonacci. Wave pattern on GBP/USD: The wave pattern for GBP/USD remains unchanged. The pair is in a bullish, impulsive segment of the trend. Under Trump, markets may face many shocks and reversals that could seriously affect the wave picture, but the current scenario remains intact, and Trump's policy is consistent. The targets for the bullish segment are located near the 261.8% Fibonacci level. At present, I expect the uptrend to continue within wave 3 of 5, with a target of 1.4017. Core principles of my analysis:Wave structures should be simple and clear. Complex structures are hard to trade and often change.If you're unsure of market direction, it's better not to enter.There can never be 100% certainty about market direction. Always use protective Stop Loss orders.Wave analysis can be combined with other types of analysis and trading strategies.The material has been provided by InstaForex Company - www.instaforex.com
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The pound against the dollar continues testing the resistance level of 1.3650 (upper Bollinger Bands line on the D1 timeframe), despite the general strengthening of the greenback. After Tuesday's sharp drop to 95.96, the U.S. dollar index on Wednesday is attempting to recover at least partially. DXY has returned to the 96 range, and major dollar pairs adjusted accordingly, reflecting the greenback's rebound. However, GBP/USD stands apart: despite the dollar's recovery, the pound keeps pressing the 1.3650 barrier. The UK inflation report, published on Wednesday, favored GBP/USD buyers, as it confirmed persistently high inflation levels, giving the Bank of England grounds to keep interest rates unchanged. With the central bank's meeting scheduled for Thursday (September 18), the report carries significant weight for GBP/USD traders. According to the data, headline CPI grew by 3.8% year-over-year in August, the same pace as in July, though some analysts expected an uptick to 3.9%. Even so, the current inflation level is unacceptably high for the central bank. The July–August pace marks the fastest increase since January 2024. Core CPI, excluding food and energy, slowed as expected, to 3.6% from 3.8%. Despite the decline, the figure remains far from the BoE's 2% target. The Retail Price Index (RPI), used by employers in wage negotiations, eased slightly to 4.6% y/y from 4.8% in July, but remains uncomfortably high. Service-sector inflation, another important component, fell to 4.7% y/y in August from 5.0% previously. Food and non-alcoholic beverages rose sharply by 5.1% y/y, while prices for restaurants, hotels, and fuel also increased. Overall, inflation remains stubbornly high and well above the BoE's target. There are no clear signs of a significant decline in core inflation. One major factor preventing a faster slowdown is wage growth. The data showed average earnings, including bonuses, accelerated to 4.7% from 4.6%, after three consecutive months of declines. Average earnings excluding bonuses fell to 4.8% from 5.0%. Wage growth was concentrated in services (notably hospitality, catering, education, and healthcare) and the public sector. Wage growth in the 4.5–5.0% range is seen as incompatible with 2% inflation, especially if productivity remains weak. This is why the market largely ignored the rise in unemployment to 4.7% in July and the 17,000 increase in jobless claims, focusing instead on the wage component. Thus, the fundamental backdrop supports further GBP/USD upside. The inflation data allows the BoE to remain on hold, providing additional support for the pound—particularly against the dollar, which faces expected Fed rate cuts in September and beyond. Divergence between BoE and Fed policy paths will continue to support GBP/USD, unless the Fed takes an overly cautious stance this week. If the Fed cuts rates and signals more easing ahead, the pair may advance into the 1.37 area. Technical outlook: Across H1, H4, D1, W1, and MN timeframes, GBP/USD is either near the upper Bollinger Bands line or between its middle and upper bands, while also remaining above all Ichimoku lines. On the H4, daily, and weekly charts, Ichimoku has formed a bullish "Parade of Lines" signal. The main (and for now only) upside target lies at 1.3710—the upper Bollinger Bands line on D1. The material has been provided by InstaForex Company - www.instaforex.com
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But aren't they guilty themselves? It turns out Scott Bessent also listed two of his houses as his primary residence. Donald Trump called such actions by Lisa Cook mortgage fraud and a reason to dismiss her from her position as FOMC governor. Should the Treasury Secretary be fired as well? The U.S. president often presents wishful thinking as fact. This also applies to his calls for the Fed to cut the federal funds rate by 50 basis points or more. According to him, the central bank should listen to someone as smart as he is. A massive sell-off of the U.S. dollar allowed EUR/USD to soar to 4-year highs. The euro has never risen so fast during the first nine months of a year as it has in 2025. The Fed remains fixated on the labor market. It's no surprise that investors are ignoring strong data on other important indicators – inflation and retail sales. Speculators continue to dump the U.S. dollar on expectations of a renewed cycle of monetary expansion. Dynamics of speculative positions in the U.S. dollar Euro bulls are not deterred by either the escalation of the armed conflict in Ukraine, with Russian drones appearing on Polish territory, or the political crisis in France. These events are viewed as secondary. The main stage is set in Washington. Meanwhile, the eurozone's resilience to tariffs, against the backdrop of a cooling U.S. economy, provides additional tailwinds for EUR/USD bulls. In the short term, the main currency pair may even extend its rally if updated federal funds rate projections show two cuts in 2025. The derivatives market is pricing in three, while Bloomberg experts expect two. The Fed will decide. The central bank's verdict will determine the short-term direction of EUR/USD. Over the longer horizon, however, the pair's fate seems predetermined. Market expectations for the Fed's rate In reality, the current situation painfully resembles the 1970s. President Richard Nixon shared the same desire to boost the U.S. economy through rate cuts. The same pressure on Fed Chair Arthur Burns. Eventually, he gave in. Monetary policy was loosened, and inflation returned. Prices began to surge uncontrollably, and the new central bank head, Paul Volcker, was forced into aggressive monetary tightening. The result is well known: a double-dip recession. If Trump calls himself a smart man, he should know history and understand the pressure on the Fed that leads to it. In today's context, it is seen as a threat to central bank independence. And there's no worse scenario for the U.S. dollar. Technically, on the daily EUR/USD chart, the uptrend has resumed, followed by a slight pullback of the bulls. They still hold the initiative. Therefore, a rebound from support at 1.182 or a return above the current bar's high at 1.187 should be used for buying. The material has been provided by InstaForex Company - www.instaforex.com
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Gold stepped back ahead of the Fed's verdict. Few doubt that the central bank will cut the federal funds rate by 25 basis points to 4.25%. However, the number of dissenters, signals about future monetary policy, and the dot plot forecast will be critical for XAU/USD. The precious metal had long been rising and reached record highs, but investors chose to play it safe before this key event. The best environment for gold is stagflation. It has never fallen in the 21st century during periods when U.S. inflation was rising while the Fed was cutting rates. In this regard, the acceleration of consumer prices in August to 2.9% y/y, coupled with expectations of a renewed monetary expansion cycle, is an important source of support for XAU/USD—though not the only one. China announced an easing of controls on gold imports. In theory, this should boost demand for U.S. dollars, which are used to purchase bullion. Beijing is concerned about the yuan's strength, which is becoming another noose around exporters' necks—alongside high U.S. tariffs. For the precious metal, this is good news. Rising imports from China provide another argument in favor of an XAU/USD rally. Dynamics of Chinese gold imports The rally in 2025 has been remarkable. Gold has risen by more than 40%, set three dozen nominal records, and even one inflation-adjusted record that had stood since 1980. Goldman Sachs does not rule out a surge to $5,000 per ounce if even 1% of the U.S. Treasury bond market capital flows into gold. Deutsche Bank also raised its 2026 average price forecast from 3700 to 4000 dollars, citing dollar weakness, strong central bank demand for bullion, and the Fed's aggressive monetary expansion cycle. The main risks to this scenario include a prolonged pause in rate cuts in 2026, gold's seasonal weakness in the fourth quarter based on 10- and 20-year patterns, and strong U.S. stock market performance. Gold is seen as a safe-haven asset, so rising global risk appetite should, in theory, work against it. In practice, however, the S&P 500 and XAU/USD can rise comfortably together. Adding to this are ongoing geopolitical tensions in Eastern Europe and the Middle East, threats to Fed independence, and global dedollarization and reserve diversification. Together, these paint a bright outlook for the precious metal. Technically, on the daily chart, gold has so far failed to consolidate above the key pivot level of 3680 dollars per ounce. This may be the first sign of weakness among the bulls. Only a decline below fair value at 3645 and the previous local high bar's low at 3625 would confirm selling potential. That would also trigger an Anti-Turtles pattern. As long as the precious metal trades above these levels, the focus should remain on buying. The material has been provided by InstaForex Company - www.instaforex.com
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Bank of Japan (BoJ) Meeting Preview: Maintaining the Status Quo. Implications for USD/JPY
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Most Read: USD/JPY Technical: Yen eyeing a medium-term bullish breakout against USD from a 5-month range The Bank of Japan is broadly expected to keep its policy rate at 0.5% during its meeting on September 19, 2025. The future economic outlook remains cautious because of political uncertainty within Japan and challenges from international trade. Source: LSEG Source: LSEG The value of the US dollar against the Japanese yen will mainly be affected by the Federal Reserve's interest rate cut. The Bank of Japan's meeting will also have an impact, but it will likely be less significant. However, if Governor Ueda says something unexpected, it could cause a major rise in the value of the yen, breaking its current trading range of 147 to 149. The Anticipated Bank of Japan Policy Decision: Maintaining the Status Quo The Bank of Japan (BOJ) is expected to keep its interest rate at 0.5% this week, a rate it has held since January. This cautious, "wait-and-see" approach is due to a few key reasons. First, there is political uncertainty in Japan, and the central bank wants to avoid making any sudden policy changes that could cause more economic instability. Second, the BOJ is still evaluating the full impact of a new U.S.-Japan trade deal and U.S. tariffs, which are hurting Japanese exports. Interestingly, the BOJ is prioritizing economic stability over controlling inflation, even though inflation is running high and outpacing wage growth. This difference between the central bank's policy and the domestic inflation reality could potentially lead to market problems in the future. Forward-Looking Monetary Policy: The Outlook Beyond September The market expects the Bank of Japan to keep its interest rate unchanged in September but believes they will start raising rates soon. Many traders think there's a strong chance of a rate hike before the end of 2025 and more hikes by the middle of next year. Source LSEG Looking at the implied rates based on LSEG data, we can see markets are pricing in around 50 bps of cuts through December 2026. Now this may not seem like a lot, but it is the BoJ we are talking about. Since no new forecasts will be released at the meeting, the market's reaction will depend entirely on what Governor Kazuo Ueda says at his press conference. The Bank of Japan is known for its vague communication. If Governor Ueda continues to be vague, the market will likely have a small reaction. However, if he sounds surprisingly direct about future rate hikes, it would confirm the market's aggressive expectations. Because of this, his words could cause a large and sudden shift in the market. The Dual-Central Bank Catalyst: Impact on USD/JPY The value of the U.S. dollar against the Japanese yen is primarily driven by the U.S. Federal Reserve's policies. When investors expect the Fed to cut interest rates, the dollar typically falls against the yen. This is especially relevant this week, as a Fed rate cut has been delivered as expected. The market generally expects the US to cut rates while Japan eventually raises them, a situation that would likely cause the dollar to weaken against the yen. While the Bank of Japan's decision is also important, its effect will be largely shaped by the Fed's actions. The Fed's influence on the currency pair is much stronger. Given that market expectations are for 50 bps of rate cuts from the Fed before the year-end on top of the 25 bps delivered this week, the Yen could be poised for gains moving forward over the medium term. Source: Google Gemini Technical Analysis USD/JPY USD/JPY from a technical standpoint has been giving signs of a bullish rally, but the potential effects of rate differentials could come into play. On a weekly timeframe, the long-term descending trendline had been broken a while ago and since then USD/JPY has been trapped in a range between 145.00 and 150.00 handle with a brief foray higher being met by swift selling pressure. There is also an ascending trendline from the April lows just below the 140.00 handle. The daily candle has closed as a hammer candlestick bouncing of the trendline and the 100-day MA at 146.21. Immediate resistance is provided by the 50-day MA which rests at 147.67 before the 200-day MA at 148.62 comes into focus. A break of the ascending trendline could lead to a push toward the 145.00 handle before the swing low at 143.33 comes into focus. USD/JPY Daily Chart, September 17, 2025 Source: TradingView Trade Safe. Follow Zain on Twitter/X for Additional Market News and Insights @zvawda Opinions are the authors'; not necessarily that of OANDA Business Information & Services, Inc. or any of its affiliates, subsidiaries, officers or directors. The provided publication is for informational and educational purposes only. If you would like to reproduce or redistribute any of the content found on MarketPulse, an award winning forex, commodities and global indices analysis and news site service produced by OANDA Business Information & Services, Inc., please refer to the MarketPulse Terms of Use. Visit https://www.marketpulse.com/ to find out more about the beat of the global markets. © 2025 OANDA Business Information & Services Inc. -
Bitcoin Has Taken Gold’s Role In Today’s World, Eric Trump Says
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Eric Trump on Tuesday described Bitcoin as a “modern-day gold,” calling it a liquid store of value that can act as a hedge to real estate and other assets. According to reports, the remark came during a TV appearance on CNBC’s Squawk Box, tied to the launch of American Bitcoin, the mining and treasury firm he helped start. Company Holdings And Strategy Based on public filings and company summaries, American Bitcoin has accumulated 2,443 BTC on its balance sheet. That stash has been valued in the low hundreds of millions of dollars at recent spot prices. The firm mixes large-scale mining with the goal of holding Bitcoin as a strategic reserve, which it says will help it grow both production and asset holdings over time. Eric Trump’s comments were direct. He told viewers that institutions are treating Bitcoin more like a store of value than a fringe idea, and he warned firms that resist blockchain adoption. The tone was strong at times, and the line about Bitcoin being a modern equivalent of gold was used to frame American Bitcoin’s role as both miner and holder. How The Company Went Public American Bitcoin moved toward a public listing via an all-stock merger with Gryphon Digital Mining earlier this year, a deal that kept most of the original shareholders in control and positioned the new entity for a Nasdaq debut. Reports show that mining partner Hut 8 holds a large ownership stake, leaving the Trump family and other backers with a minority share. The listing brought fresh attention and capital to the firm as it began trading under the ticker ABTC. Market watchers say the firm’s public debut highlights two trends: mining companies are trying to grow by both producing and holding Bitcoin, and political ties are bringing more headlines to crypto firms. Some analysts point out that holding large amounts of Bitcoin on the balance sheet exposes a company to price swings, while supporters argue it aligns incentives between miners and investors. Reaction And Possible Risks Based on coverage of the launch, investors have reacted with both enthusiasm and caution. Supporters praise the prospect of a US-based miner that aims to be transparent and aggressive about building a reserve. Critics point to governance questions, possible conflicts tied to high-profile backers, and the usual risks of a volatile asset being held on corporate balance sheets. Eric Trump’s remark that Bitcoin has taken gold’s role in today’s world reflects both his belief in its value and American Bitcoin’s strategy of mining and holding. Whether that view sticks will depend on how investors and institutions respond in the months ahead. Featured image from Meta, chart from TradingView -
Fed cuts rates, gold retreats in “buy rumor, sell fact” trade
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Today’s Federal Reserve Rate Cut Is Just the Start, Gold Still Climbing The Federal Reserve cut interest rates by a quarter point today, marking the start of an important new monetary easing cycle. In an 11-1 vote, central bankers lowered the Fed’s benchmark rate to 4.00-4.25%. The lone dissent came from newly appointed Governor Stephan Miran, who wanted a half-point rate cut. A majority of Fed officials indicated they expect at least two more interest rate cuts in 2025, suggesting easing at the October and December meetings. After hitting a new record high earlier this week, gold pulled back after the Fed news. Today’s Fed rate cut was widely expected, and short-term traders bid up the precious metal recently and sold it to take profits in a classic “buy the rumor, sell the fact” trade. The long-term trend for gold remains firmly higher. Digging Deeper Into the Fed’s Move What’s notable about today’s move is that the central bank is cutting interest rates, while inflation is still climbing higher. You may recall that the Fed has a “dual mandate” with policy goals of both full employment and inflation price stability. However, today, the Fed said that “job gains have slowed” and inflation has “moved up and remains somewhat elevated.” Indeed, the most recent Consumer Price Index revealed that inflation rose 0.3% in August to a 2.9% annual rate, well above the Fed’s 2% inflation target. While the Fed typically takes a balanced view on employment versus inflation, today’s action shows it is favoring the labor market by trying to help boost jobs with lower interest rates. What Does This Mean for Gold? For the gold market, this is a bullish signal. Every time since 2001 when the Fed has cut rates with the CPI above 2%, gold has rallied on average 13% over the next year, according to the Bank of America research. Gold, already up 40% since the start of the year, is in the midst of a major secular bull market in precious metals. The start of a Fed rate cut cycle has been historically very positive for gold, which sees major targets at $4,000 and even $5,000 this year and next, according to many major banks. For investors in gold, this is an important moment, one that could define precious metal markets for the next several years. Historically, periods of easing monetary policy have ushered in some of the strongest gold rallies ever recorded. Looking Ahead: More Cuts and More Upside for Gold Current projections suggest that the Federal Reserve could cut rates multiple times over the next 12-18 months. If the economy slows further, as many economists anticipate, the Fed may continue easing throughout 2026. That trajectory creates an environment tailor-made for gold strength. In previous cycles of interest rate cuts, gold consistently outperformed stocks, bonds, and even real estate. Are you positioned properly for this new interest rate environment? Why Now is the Time for You to Consider an Increased Allocation to Gold With the current gold rally underway and the expectation of prolonged monetary easing, now is the perfect time for you to reassess your portfolio allocation. Do you have enough economic insurance? With geopolitics boiling over, inflation climbing as the economy slows, it’s the perfect storm for a setback in the stock market. Action to take: Consider trimming your stock allocation (which may have become stretched) and pile those proceeds into the safety of gold. Gold preserves and protects your wealth, and provides a peace of mind insurance policy for whatever could lie ahead. Waiting on the sidelines could mean missing today’s rare window of opportunity. Each rate cut strengthens the long-term bullish case for gold. By increasing your allocation now, you can capitalize on ongoing momentum and position your portfolio for further gold gains in 2025 and 2026. Blanchard is committed to guiding you through this dynamic market environment with personalized strategies that consider your long-term financial goals, risk tolerance level, and today’s market conditions. Thank you for your trust and partnership. We stand ready to assist. The post Fed cuts rates, gold retreats in “buy rumor, sell fact” trade appeared first on Blanchard and Company. -
Fed cuts rates, gold retreats in “buy rumor, sell fact” trade
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Today’s Federal Reserve Rate Cut Is Just the Start, Gold Still Climbing The Federal Reserve cut interest rates by a quarter point today, marking the start of an important new monetary easing cycle. In an 11-1 vote, central bankers lowered the Fed’s benchmark rate to 4.00-4.25%. The lone dissent came from newly appointed Governor Stephan Miran, who wanted a half-point rate cut. A majority of Fed officials indicated they expect at least two more interest rate cuts in 2025, suggesting easing at the October and December meetings. After hitting a new record high earlier this week, gold pulled back after the Fed news. Today’s Fed rate cut was widely expected, and short-term traders bid up the precious metal recently and sold it to take profits in a classic “buy the rumor, sell the fact” trade. The long-term trend for gold remains firmly higher. Digging Deeper Into the Fed’s Move What’s notable about today’s move is that the central bank is cutting interest rates, while inflation is still climbing higher. You may recall that the Fed has a “dual mandate” with policy goals of both full employment and inflation price stability. However, today, the Fed said that “job gains have slowed” and inflation has “moved up and remains somewhat elevated.” Indeed, the most recent Consumer Price Index revealed that inflation rose 0.3% in August to a 2.9% annual rate, well above the Fed’s 2% inflation target. While the Fed typically takes a balanced view on employment versus inflation, today’s action shows it is favoring the labor market by trying to help boost jobs with lower interest rates. What Does This Mean for Gold? For the gold market, this is a bullish signal. Every time since 2001 when the Fed has cut rates with the CPI above 2%, gold has rallied on average 13% over the next year, according to the Bank of America research. Gold, already up 40% since the start of the year, is in the midst of a major secular bull market in precious metals. The start of a Fed rate cut cycle has been historically very positive for gold, which sees major targets at $4,000 and even $5,000 this year and next, according to many major banks. For investors in gold, this is an important moment, one that could define precious metal markets for the next several years. Historically, periods of easing monetary policy have ushered in some of the strongest gold rallies ever recorded. Looking Ahead: More Cuts and More Upside for Gold Current projections suggest that the Federal Reserve could cut rates multiple times over the next 12-18 months. If the economy slows further, as many economists anticipate, the Fed may continue easing throughout 2026. That trajectory creates an environment tailor-made for gold strength. In previous cycles of interest rate cuts, gold consistently outperformed stocks, bonds, and even real estate. Are you positioned properly for this new interest rate environment? Why Now is the Time for You to Consider an Increased Allocation to Gold With the current gold rally underway and the expectation of prolonged monetary easing, now is the perfect time for you to reassess your portfolio allocation. Do you have enough economic insurance? With geopolitics boiling over, inflation climbing as the economy slows, it’s the perfect storm for a setback in the stock market. Action to take: Consider trimming your stock allocation (which may have become stretched) and pile those proceeds into the safety of gold. Gold preserves and protects your wealth, and provides a peace of mind insurance policy for whatever could lie ahead. Waiting on the sidelines could mean missing today’s rare window of opportunity. Each rate cut strengthens the long-term bullish case for gold. By increasing your allocation now, you can capitalize on ongoing momentum and position your portfolio for further gold gains in 2025 and 2026. Blanchard is committed to guiding you through this dynamic market environment with personalized strategies that consider your long-term financial goals, risk tolerance level, and today’s market conditions. Thank you for your trust and partnership. We stand ready to assist. The post Fed cuts rates, gold retreats in “buy rumor, sell fact” trade appeared first on Blanchard and Company. -
$480 Million In 2 Weeks? XRP Whale Movements Could Reveal The Next Price Direction
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On-chain data shows that XRP whales are currently offloading their coins, which paints a bearish outlook for the altcoin. This comes as XRP struggles to stay above the psychological $3 level and risks dropping to new lows. XRP Whales Offload $480 Million Coins In Two Weeks Santiment data shows that XRP whales have dumped 160 million coins ($480 million) since around September 4, when their holdings peaked at around 6.95 billion. Since then, their XRP holdings have dropped from 6.95 billion to around 6.77 billion. These whales hold between 1 million and 10 million tokens. There is also a similar pattern among whales holding 10 million to 100 million coins and those holding 100 million coins to 1 billion coins. The 10 million to 100 million XRP whales had begun offloading their coins since last month, with a notable drop from 8.1 billion coins to around 7.77 billion coins as of now. Meanwhile, XRP whales holding 100 million coins to 1 billion coins had begun offloading their coins since July, with a sharp drop in their holdings from around 10.83 billion during that period to 7.94 billion in August. However, since then, their holdings have remained stagnant, with these whales remaining on the sidelines, neither buying nor selling aggressively. This development paints a bearish picture for the XRP price as the token could witness further declines as these whales continue to offload their coins. Moreover, these whales are offloading their coins despite projections of a Fed rate cut this week and the upcoming launch of the first spot XRP ETF. This further fuels concerns that these events might turn out to be a ‘sell the news’ event, with a sharp price decline happening once they occur. A Potential Bearish Cross Lies Ahead For XRP In an X post, crypto analyst Egrag Crypto said that a potential bearish cross lies ahead for the XRP price. He predicted that the altcoin might dip to as low as $2.65 despite an imminent Fed rate cut. He noted that many are anticipating a rate cut but that the markets tend to react in the opposite direction, meaning that XRP could decline after the rate cut instead of rallying. Egrag Crypto further stated that for the XRP price to avoid the bearish cross, it needs to see a close above $3.07 and $3.13. If that happens, then he believes that the altcoin will be in a much stronger position to rally to the upside. The analyst predicted that XRP could rally to as high as $3.7 eventually. At the time of writing, the XRP price is trading at around $3, up in the last 24 hours, according to data from CoinMarketCap. -
Log in to today's North American session Market wrap for September 17 Both the Bank of Canada (2.75% → 2.50%) and the Federal Reserve (4.50% → 4.25%) cut their rates today which helped to sustain some decent strength in the Canadian Dollar despite pretty negative talks on the Canadian Economy at the decision. The FED actually provided a fairly hawkish cut when looking at the speech from Powell. The Federal Reserve Chair emphasized the decision being centered around the labor market despite economic activity being more than decent. Jerome Powell did mention the resilience of the American consumer and the stable inflation expectation throughout his press conference – This took out the initial dovishness that got priced right after the 14:00 announcement. BoC Governor Macklem expressed some concerns about the Canadian Economy, while still precising that the current pace is more one of a slowdown that an actual recession. You can access his comments right here. Elsewhere, today showed the revelation that US Treasury's Scott Bessent also was found to have listed two homes as principal residence, the same as Lisa Cook as the case progresses – She is still part of the FED and will take back her responsibilities if the case goes to court. China also decided to cut Nvidia chip purchases in the latest round of the ongoing Trade War between the US and China. This might come as a piece of negotiation ahead of the Xi-Trump call that should be taking place on Friday. Read More:Bank of Canada cuts rates to 2.50%, FOMC coming up!— North American mid-week Market updateThe Federal Reserve 25 bps cut sends markets on fire – SEP, Powell's speech and Market reactionsCross-Assets Daily Performance Cross-Asset Daily Performance, September 17, 2025 – Source: TradingView As per usual for such a key FOMC day, the session was a rollercoaster. Initial rallies in stocks, metals and bonds got met with sharp reversals as Powell's conference progressed. The most resilient index amid the pullbacks was the Dow Jones which appreciated from the rate cut, while the Nasdaq and S&P 500 gave back some of their optimism due to higher rate projections in 2026 when looking at the dot plot. Overall, the FED will still be data dependent and traders will have to deal with that fact. There is still about 50 bps of cuts priced in towards the end of 2025. A picture of today's performance for major currencies Currency Performance, September 17 – Source: OANDA Labs The speech from Powell brought back some of the USD strength in his usual balancing tone. Look at the swing in the USD between 14:00 and around 15:00 - The greenback finishes the session at its highs. It particularly hurt the currencies which appreciated in the past week, with a focus on European FX. The currency market will be interesting in the upcoming days particularly after the most recent swings in majors - Overall, data dependency will be back to moving markets moving forward, so stay in touch with the Economic calendar moving forward. A look at Economic data releasing in tonight and tomorrow's sessions For all market-moving economic releases and events, see the MarketPulse Economic Calendar. After today’s wild Bank of Canada and FOMC rate cuts, the week is still far from over: Today's evening session welcomes huge data for Antipodean traders, including New Zealand's GDP (18:45) and Australian Employment (21:30) – Both currencies and particularly the AUD have been strong in the past few weeks, putting some more emphasis on tonight's releases. Thursday promises to be huge, kicking off with a flurry of ECB speeches overnight (another one by Lagarde, de Guindos, Schnabel, Nagel), adding to potential euro volatility – ECB speakers have been generous with speeches as of late which took out further rate cuts priced in 2026. At 07:00 ET, all eyes turn to the Bank of England’s rate decision, minutes, and vote breakdown — a potential high-impact event for GBP. After the most recent cut, the BoE is expected to maintain its rates at 4% amid high inflation but we can never know with the Bank of England. The U.S. follows at 08:30 ET with Initial Jobless Claims and the Philly Fed survey, key checks on labour and manufacturing. Later, New Zealand releases trade data at 18:45 ET, but the biggest piece of the session will be for the JPY traders (and actually all traders are looking at this): The National CPI for Japan at 19:00 ET. but most importantly, the Bank of Japan interest rate decision expected for tonight anytime between 19:30 and 20:30 (time not specified). Safe Trades in this huge Central Bank week! Follow Elior on Twitter/X for Additional Market News, interactions and Insights @EliorManier Opinions are the authors'; not necessarily that of OANDA Business Information & Services, Inc. or any of its affiliates, subsidiaries, officers or directors. The provided publication is for informational and educational purposes only. If you would like to reproduce or redistribute any of the content found on MarketPulse, an award winning forex, commodities and global indices analysis and news site service produced by OANDA Business Information & Services, Inc., please refer to the MarketPulse Terms of Use. Visit https://www.marketpulse.com/ to find out more about the beat of the global markets. © 2025 OANDA Business Information & Services Inc.
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Solana Builds Case For Next Leg Up As Moving Averages Underscore Bull Run
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Solana is strengthening its bullish outlook, with recent price action showing firm momentum above key moving averages. This strength underscores growing buyer confidence and highlights a market structure tilted in favor of further gains. With support levels holding and momentum indicators flashing strength, SOL appears to be building the foundation for its next leg higher in the ongoing bull run. Solana Holds Above Key Moving Averages, Reinforcing Bullish Bias Gemxbt, in a recent post, pointed out that SOL is displaying a strong bullish market structure, with its price action now trading above the 5, 10, and 20-period moving averages. Such alignment of short-term moving averages reflects sustained upward momentum, as buyers continue to maintain control over the market direction. The analyst noted that Solana has established key technical levels, with support forming around $237.5 and immediate resistance situated near $245. These levels will likely serve as pivotal points in the short term, guiding whether the market consolidates further or pushes higher. A break above resistance could reinforce the bullish momentum, while defending support remains essential to preserving the uptrend. Further strengthening the outlook, the Relative Strength Index (RSI) is trending upward. This indicator points toward growing market confidence, as traders continue to lean toward accumulation rather than distribution, reinforcing the bullish tone in SOL’s price action. Adding to the confluence, the MACD has recorded a bullish crossover, with the MACD line moving above the signal line, supporting the bullish sentiment. Combined with the alignment of moving averages and supportive RSI trends, the overall setup suggests that Solana is well-positioned to sustain its rally if buyers maintain their presence in the market. Technical Pattern Confirms Renewed Buyer Strength BitGuru, in a recent update on X, highlighted that SOL has staged a remarkable rally, driven by a strong double bottom breakout and a clean bullish setup. The formation of these patterns has provided momentum for Solana’s price to push all the way up to $249.60, signaling renewed strength in the market. Following this impressive surge, the price action has entered a cooling phase, with the market now undergoing a pullback. Despite the retracement, the overall structure remains intact as SOL is consolidating near the key $235 support level. In the meantime, this pause in price movement could be a healthy step for the market, allowing buyers to regain strength before attempting another push higher. As long as $235 holds firm, the setup continues to favor bulls, with Solana potentially eyeing a fresh move back toward resistance levels in the sessions ahead. -
The Japanese yen continues sideways consolidation ahead of the Fed's rate decision. Growing recognition that the Bank of Japan will maintain its policy of normalization, combined with cautious market sentiment, has been one of the main factors supporting the yen as a safe-haven currency. At the same time, traders remain restrained and avoid taking aggressive positions ahead of key central bank policy events. The U.S. Federal Reserve is expected to announce its rate decision today, with at least a 25-basis-point cut anticipated amid signs of labor market weakness. This contrasts sharply with the hawkish expectations for the Bank of Japan. The resignation of Japanese Prime Minister Shigeru Ishiba has added further uncertainty and could be a strong argument for the Bank of Japan to slow the pace of rate hikes. The upcoming Bank of Japan meeting on Thursday remains in focus. The rate is expected to stay unchanged at 0.5%, given domestic challenges and global risks, including the impact of U.S. tariffs. At the same time, market consensus is that the Bank of Japan will still raise rates by the end of the year. By contrast, the U.S. Federal Reserve is projected to resume its rate-cutting cycle, reducing borrowing costs by 25 basis points. Moreover, markets are pricing in the possibility of two additional cuts this year amid weakening labor market signals. These expectations have been a major driver of the dollar's recent drop to lows last seen in July.On the diplomatic front, U.S. President Donald Trump stepped up calls for a peaceful resolution of the Russia–Ukraine conflict, proposing to President Zelensky the signing of a ceasefire agreement and urging Europe to immediately halt purchases of Russian oil. Meanwhile, Israel launched its long-planned ground operation in Gaza, advancing deep into a city that has faced weeks of heavy airstrikes. In addition, an emergency summit of Arab and Islamic leaders in Doha on September 9 condemned Israel's actions toward Hamas leadership, keeping geopolitical uncertainty elevated and supporting the yen as a safe-haven asset. From a technical perspective, the break and close below the round 147.00 level became a new trigger for the bears. Moreover, oscillators on the daily chart have turned negative, indicating that the path of least resistance for the pair is downward. However, a small rebound from the 100-day Simple Moving Average (SMA) around 146.20 calls for some caution. Therefore, it would be prudent to wait for selling to continue below this area and under 146.00 before planning further losses. On the other hand, a recovery above the nearest level at 146.70 would attract new sellers and remain capped at the round 147.00 level. But subsequent buying beyond that point could lift USD/JPY above 147.55, on the way toward the round 148.00 level. The material has been provided by InstaForex Company - www.instaforex.com
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Bitcoin Touches $117,000 As Binance Records 9 Days Of Outflows
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Bitcoin has observed a recovery surge toward $117,000 as on-chain data shows Binance users have been making consistent withdrawals recently. Binance Bitcoin Netflow Has Been Negative Recently As pointed out by CryptoQuant community analyst Maartunn in a Quicktake post, BTC has been flowing out of Binance recently. The on-chain indicator of relevance here is the “Exchange Netflow,” which keeps track of the net amount of Bitcoin that’s entering into or exiting out of the wallets connected to a given centralized exchange. When the value of this metric is positive, it means the inflows are overwhelming the outflows on the platform. Generally, one of the main reasons why investors deposit their coins in exchanges is for selling-related purposes, so this kind of trend can be a bearish sign for the asset’s price. On the other hand, the indicator having a value under zero implies the holders are taking a net number of tokens out of the custody of the exchange. Such a trend may be a sign that the investors are accumulating, which is naturally something that can be bullish for BTC. Now, here is a chart that shows the trend in the Bitcoin Exchange Netflow for Binance, the largest exchange in terms of trading volume, over the past month: As displayed in the above graph, the Bitcoin Binance Exchange Netflow has been negative for the last nine days, indicating that investors have constantly been pulling supply out of the platform. In the same period as these outflows, BTC has seen a recovery run toward the $117,000 level, so it would appear possible that the withdrawals have had a role to play in it. The outflows are also interesting in the context of the two-day Federal Open Market Committee (FOMC) meeting, which kicked off on Tuesday and will conclude on Wednesday with a speech from US Fed Chair Jerome Powell. “Most analysts expect the Fed to cut rates this week, with prediction markets like Polymarket showing a 92% probability of a rate cut,” notes Maartunn. “The steady outflows from Binance may reflect early positioning ahead of this event.” It now remains to be seen how the market will react when Powell delivers the Fed decision, and whether the streak of Bitcoin net outflows from Binance will continue. Bitcoin outflows aren’t the only thing that has occurred on Binance ahead of the FOMC meeting. As CryptoQuant author Darkfrost has pointed out in a Quicktake post, the exchange has also seen massive stablecoin inflows. From the chart, it’s visible that Binance has seen a large stablecoin netflow spike corresponding to the deposit of nearly $2 billion worth of stablecoins. Investors transfer their fiat-tied tokens to exchanges when they want to buy into an asset like Bitcoin, so this could be another indication of investors repositioning in anticipation of the Fed decision. BTC Price At the time of writing, Bitcoin is trading around $116,400, up around 3.6% over the last week. -
Today, gold prices are correcting from the record high reached on Tuesday, amid a moderate recovery in the U.S. dollar. The U.S. dollar has paused its decline as markets reposition ahead of the key FOMC rate decision, which has put slight pressure on the precious metal. As a result, gold ended its three-day winning streak after setting a new all-time high. Nevertheless, downward potential remains limited. Investors are convinced that the Federal Reserve will resume its rate-cutting cycle, with two cuts expected before the end of this year. This outlook caps further U.S. dollar strength and supports gold, keeping it near historical highs. In addition, geopolitical risks stemming from the escalation of the Russia–Ukraine conflict and tensions in the Middle East help limit losses in the precious metal, which is traditionally considered a safe-haven asset. This, in turn, calls for caution from XAU/USD bears. From a technical perspective, the Relative Strength Index (RSI) on the daily chart is in overbought territory, which is a key factor encouraging profit-taking in this asset. However, the corrective pullback may be seen as a buying opportunity near the 3658 level. But a decline below this point, leading to further losses under 3630, could drive the precious metal's price toward the 3612–3600 level. This zone represents a solid base for XAU/USD; a break below it would open the way to deeper losses toward support at 3578–3565–3540, on the path to the psychological 3500 level. On the other hand, bulls should wait for sustained growth and a firm break above the round 3700 level before opening positions to continue the established upward trend. The material has been provided by InstaForex Company - www.instaforex.com
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The wave structure for GBP/USD continues to indicate the formation of an upward impulsive wave sequence. The wave pattern is almost identical to EUR/USD, as the only "driver" remains the U.S. dollar. Demand for the dollar is declining across the market (in the medium term), so many instruments are showing nearly identical dynamics. At the moment, the formation of the assumed wave 5 continues, within which waves 1 and 2 have already been formed. The current wave structure raises no doubts. It should be remembered that much in the currency market now depends on Donald Trump's policies, and not only trade policy. Occasionally, positive news emerges from the U.S., but the market keeps in mind ongoing uncertainty in the economy, contradictory decisions and statements by Trump, and the hostile, protectionist stance of the White House. The market also fears Fed easing, for which there are now more reasons than just a weak labor market. The GBP/USD pair rose by 50 basis points during Tuesday and Wednesday, which is not much. I cannot say that the news background over these two days demanded a stronger appreciation of the British currency, but it does open additional prospects for it. Let me explain. The Bank of England has paused its cycle of monetary policy easing. Accordingly, the main question for the pound is: how long will this pause last? Its duration will depend on the state of the economy, the labor market, unemployment, and inflation. The UK economy has been growing at a modest pace for several years, but it seems the British Parliament does not expect more. The unemployment rate is rising, inflation is also rising. Based on this, I can assume that over the next year to year and a half, the Bank of England will also balance between two fires, just like the Fed. The UK does not have a NonFarm Payrolls report, so we can judge the labor market only by the unemployment rate and reports on changes in employment/unemployment. The unemployment rate has risen by 0.7% over the past year, but inflation has more than doubled. I dare suggest that the Consumer Price Index is of greater concern to Bank of England officials than unemployment. I believe that in the near future all efforts will be directed at preventing the indicator from moving into the "above 4%" level. Therefore, a rate cut by the Bank of England before the end of the year should not be expected. At the same time, the Fed may lower the rate at all three remaining meetings in 2025, which puts the dollar in a remarkably weak position. That is why I believe the pound's growth potential is now, if not enormous, then quite significant. Inflation in the UK in August did not increase but also did not slow down. This report can be considered positive for the pound. General conclusions The wave pattern of GBP/USD remains unchanged. We are dealing with an upward impulsive section of the trend. Under Donald Trump, markets may still face many shocks and reversals that could significantly affect the wave structure, but at the moment the working scenario remains intact, and Trump's policy is unchanged. The targets of the upward trend section are located around the 261.8% Fibonacci level. Currently, I expect continued growth within wave 3 of 5 with a target at 1.4017. The larger-scale wave structure looks almost perfect, even though wave 4 moved beyond the maximum of wave 1. However, let me remind you that perfect wave patterns exist only in textbooks. In practice, things are much more complicated. At present, I see no reason to consider alternative scenarios or make adjustments. Main principles of my analysis: Wave structures should be simple and clear. Complex structures are hard to trade and often bring changes.If there is no confidence in what is happening in the market, it is better not to enter it.One can never have 100% certainty about the direction of movement. Do not forget protective Stop Loss orders.Wave analysis can be combined with other forms of analysis and trading strategies.The material has been provided by InstaForex Company - www.instaforex.com
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The much expected FOMC cut finally took place, and it is offering a lot of action throughout markets. The rate is now officially at 4.25% (Between 4% to 4.25%). An additional 50 bps is planned by the FED for the rest of the year. As expected Miran dissented for a 50 bps, the dot plot is a bit more dovish than expected. After the volatile past few days, particularly in FX markets and commodities, [...] took the seat of the most violent movements. You can access the official FOMC statement right here. Summary of Economic Projections can be found right here. Also do not forget to log in at 14:30 E.T. to Jerome Powell's Live Press conference through this link. Let's take a look at a few key charts to spot what changed amid this volatility: September 2025 Summary of Economic Projections Summary of Economic Projections, Federal Reserve, September 17 You can access our previous post to see how to read the changes in the SEP. Read More: Bank of Canada cuts rates to 2.50%, FOMC coming up!— North American mid-week Market update Live Market reactions across Markets Post-FOMC release Market Snapshot – September 17, 2025 – Source: TradingView More details on the most volatile assets: Watch out for the Press conference which also offers a lot of volatility! S&P 500 moves higher but rejects highs S&P 500 1H Chart, September 17, 2025 – Source: TradingView Gold hesitant rally Gold 1H Chart, September 17, 2025 – Source: TradingView The US Dollar slides further to new 2025 lows Dollar Index 1H Chart, September 17, 2025 – Source: TradingView US Treasuries hesitant rally US 10Y Bonds 1H Chart, September 17, 2025 – Source: TradingView Safe Trades ahead of the Powell Press Conference! Follow Elior on Twitter/X for Additional Market News, interactions and Insights @EliorManier Opinions are the authors'; not necessarily that of OANDA Business Information & Services, Inc. or any of its affiliates, subsidiaries, officers or directors. The provided publication is for informational and educational purposes only. If you would like to reproduce or redistribute any of the content found on MarketPulse, an award winning forex, commodities and global indices analysis and news site service produced by OANDA Business Information & Services, Inc., please refer to the MarketPulse Terms of Use. Visit https://www.marketpulse.com/ to find out more about the beat of the global markets. © 2025 OANDA Business Information & Services Inc.
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How to Protect Retirement Accounts from Lawsuits Executive Summary Market swings aren’t your only risk in retirement. Legal threats can also erode savings unless you deliberately protect retirement accounts from lawsuits with the right mix of plan selection, documentation, insurance, and timing. This guide turns complex rules into practical steps you can use this year. Why Lawsuit Risk Matters in Retirement Many retirees assume their nest egg is untouchable. However, not all accounts and situations receive equal protection. Personal liability claims, business disputes, divorce orders, tax issues, and poor documentation can expose assets you thought were safe. Your goal is simple and strategic. Keep money inside the “buckets” with the strongest statutory protection, then reinforce weak points with insurance and clean paperwork. Even routine choices, like rolling a 401(k) to an IRA, can change your legal shield more than you’d expect. That’s why it pays to proactively protect retirement accounts from lawsuits before claims arise. Common Paths Creditors Use to Reach Savings To build a defense, first understand the offense. Here are common ways claims try to access retirement money. Personal liability claims. Auto accidents, injuries on your property, or alleged negligence can lead to sizable judgments. Professional or volunteer disputes. Consulting, contract work, or board service may trigger claims tied to your services or decisions. Business debts and guarantees. Personal guarantees can bypass corporate shields and reach personal assets. Family law orders. ERISA plans may be divided via a QDRO, while IRAs are divided incident to divorce under IRC §408(d)(6); state law may also allow garnishment for support. Tax liens and government claims. The IRS and other agencies hold powers that ordinary creditors do not. Fraudulent transfer allegations. Last-minute moves that look like hiding money can be unwound in court. What the Law Already Protects Protection depends on the type of plan, applicable federal rules, and your state’s exemptions. Knowing which “bucket” you own is half the battle. Understanding which accounts actually protect retirement accounts from lawsuits is essential. Employer Plans Covered by ERISA Most private-sector 401(k) and defined-benefit pension plans are governed by ERISA. Governmental and church plans are exempt, and 403(b) coverage depends on the sponsor and the level of employer involvement (governmental/church 403(b)s are not ERISA; certain 501(c)(3) 403(b)s can be non-ERISA if they meet DOL safe-harbor conditions). These employer plans typically include an anti-alienation clause that blocks private creditors from attaching your account. In practical terms, a typical civil judgment creditor can’t seize ERISA plan balances. There are narrow exceptions. The government can enforce tax levies, courts can issue QDROs in divorce or support cases, and criminal restitution orders can reach funds. Outside these exceptions, ERISA plans generally provide robust non-bankruptcy protection. Owner-Only and Small Plans Plans that cover only an owner and spouse, like many solo 401(k)s, are usually not subject to ERISA Title I. As a result, they may lack the same non-bankruptcy shield large employer plans enjoy. They still receive specific bankruptcy protection, but weigh this difference before consolidating everything into a solo plan. Traditional IRAs and Roth IRAs In bankruptcy, traditional and Roth IRAs funded by contributions are exempt up to $1,711,975 per person for cases filed April 1, 2025 to March 31, 2028. Amounts directly traceable to rollovers from qualified plans (401(a), 403(a)/(b), 457(b), and SIMPLE under §408(p)) are exempt without dollar limit. However, outside bankruptcy, IRA protection is governed by state law. Some states shield IRAs broadly; others limit protection based on “necessary support,” and a few provide narrow exemptions. Consequently, your state of residence materially changes your risk. Inherited IRAs Under federal bankruptcy law, inherited IRAs are not exempt as “retirement funds” (Clark v. Rameker, 573 U.S. 122 (2014)); some states provide separate protections under their statutes. 403(b) and 457(b) Plans Whether a 403(b) plan is subject to ERISA depends on the sponsor and involvement: governmental and church 403(b)s are not ERISA; a 501(c)(3) 403(b) can be non-ERISA if it meets the DOL safe-harbor (limited employer involvement), otherwise it is ERISA. Governmental 457(b) plans must hold assets in trust for participants under IRC §457(g). This protects them from the employer’s creditors. Protection from a participant’s personal creditors depends on state law and plan terms. Non-governmental 457(b) plan assets remain the employer’s property and are subject to the employer’s general creditors. This distinction matters when consolidating accounts. How to Protect Retirement Accounts from Lawsuits: A Layered Strategy Think in layers. Start with account type, continue with documentation and titling, and finish with insurance and behavior. Here’s a practical, ordered approach to protect retirement accounts from lawsuits without sacrificing investment flexibility. 1) Favor ERISA When Practical If you still have access to a former employer’s 401(k) with strong protections, consider leaving assets there. ERISA’s non-bankruptcy shield is generally stronger than many alternatives. An IRA rollover might offer broader investments and easier Roth strategies, yet the legal shield can change. Therefore, weigh convenience and investment options against creditor protection and how well they protect retirement accounts from lawsuits before acting. 2) Keep Rollover Dollars Traceable When rolling an ERISA plan into an IRA, keep rollover funds in a clearly labeled “Rollover IRA” and retain statements, because the unlimited bankruptcy exemption applies only to amounts directly traceable to qualifying rollovers under §522(n). 3) Align with Your State’s Rules Because non-bankruptcy IRA protection is state-specific, review your state’s exemptions. If your state offers broad protection, consolidating into IRAs may be comfortable. If it’s restrictive, you may prefer to retain money in an ERISA plan or add further planning. A brief consultation with a local asset-protection attorney can help you avoid costly missteps. 4) Coordinate Beneficiary Designations Spousal rollovers can preserve tax deferral, but creditor protection can change: ERISA protections generally end once assets are rolled to an IRA, and bankruptcy exemptions for IRAs are capped (with unlimited protection for traceable rollovers). Naming a trust can work well; however, the trust must be drafted to comply with retirement account rules so you don’t forfeit long-term tax benefits. For adult children in high-liability fields, a properly designed trust may add creditor protection a direct inheritance cannot. 5) Use Insurance as the Outer Wall Insurance doesn’t replace statutory protections, but it often stops claims before account protections are even tested. Consider: Umbrella liability coverage. One to five million dollars of additional protection is often available for a modest premium. Professional liability policies. Match coverage to your actual consulting, medical, real estate, or board risks. Underlying policy alignment. Ensure home and auto policies meet minimum limits so the umbrella policy applies. Together with strong account selection, this layer helps protect retirement accounts from lawsuits. 6) Avoid Prohibited Transactions in Self-Directed IRAs Real estate or private placements inside IRAs can diversify returns. Yet the rules are strict. Loans between you and the IRA are prohibited. Personal use of IRA-owned property is prohibited. If you violate these rules, the entire account can be deemed distributed, which obliterates tax deferral and any associated protection. If you use an IRA-owned LLC, understand that it’s mainly an administrative tool, not a shield against your personal creditors. 7) Keep Retirement Assets Separate from Business Activities Don’t pledge your IRA or 401(k) as collateral, and avoid guaranteeing business loans that depend on your retirement money. These moves can pierce protection and trigger prohibited transactions. If you’re an owner, use liability-limiting entities for business risks, while keeping retirement assets entirely outside those structures. 8) Plan Early, Not After a Problem Arises Court “look-back” rules can unwind transfers made after you learn of a claim. The safest path is to establish your protection plan while the seas are calm. If a threat already exists, consult counsel immediately and avoid self-directed transfers that can be construed as fraudulent. Case Studies: What Works in Practice Case 1: The Former Executive with a Large 401(k) Fran has $2 million in a former employer’s 401(k). She prefers the flexibility of an IRA, and her state only moderately protects IRAs. She also consults part-time. Practical approach. Fran leaves the balance in the ERISA plan for now, using a small IRA for new contributions and Roth conversions. If she later rolls funds, she’ll title a separate Rollover IRA and keep every confirmation. Meanwhile, she increases her umbrella coverage to $3 million due to consulting risks. This layered plan preserves a strong legal shield while allowing investment flexibility over time. Case 2: The Small-Business Owner with a Solo 401(k) Jake runs an S-corp with a solo 401(k) for himself and his spouse. He wonders whether the plan protects him from business lawsuits. Practical approach. Jake learns owner-only plans generally lack ERISA Title I protections. He tightens corporate formalities, adds a business liability policy, boosts his personal umbrella coverage, and avoids personal guarantees when possible. He considers hiring a part-time employee, which may bring the plan under ERISA. He also evaluates whether rolling part of the balance to an IRA fits his state’s exemptions. The result is a diversified defense rather than a single point of failure. Case 3: The Real-Estate Investor Using a Self-Directed IRA Nora buys a rental property inside a self-directed IRA and considers staying there during winter “checkups.” A friend says it’s fine because it’s a business trip. Practical approach. Nora discovers that any personal use is a prohibited transaction. She never stays at the property, keeps expenses at arm’s length, hires a third-party manager, and increases umbrella coverage to reflect landlord risks. Her IRA remains compliant and protected. Case 4: The Inherited IRA for a High-Liability Beneficiary Sam, a surgeon, will inherit a large IRA. He worries about malpractice claims years down the road. Practical approach. Sam’s father names a properly drafted trust as beneficiary, designed to maintain favorable retirement account tax rules while adding spendthrift protections. The plan balances tax deferral and creditor protection for a child with elevated professional liability. What Usually Does Not Work Last-minute transfers. Moves after an accident or lawsuit often trigger fraudulent transfer claims. Secrecy and concealment. Hiding money invites penalties, destroys credibility, and weakens defenses. One-size-fits-all offshore schemes. Complex offshore trusts can backfire without genuine need and expert management. Magical thinking about LLCs. An IRA LLC streamlines administration; it doesn’t erase personal creditors. Commingling or pledging assets. Mixing personal and plan funds or pledging them as collateral can undo protections outright. Estate Planning that Enhances Protection Estate planning and creditor protection are tightly linked. The choices you make now shape who receives your accounts and how well those accounts stay protected—both during your life and after your death. Refresh beneficiary forms. Update them after marriages, divorces, births, and deaths. These forms control the account even if your will says otherwise. Use per stirpes when appropriate. This designation passes a share to a beneficiary’s children if that beneficiary predeceases you, preventing accidental disinheritance. Consider trusts for vulnerable heirs. Well-drafted trusts can preserve tax benefits while adding ongoing creditor protection. Coordinate with your spouse. Spousal rollovers can extend tax deferral; however, once ERISA plan assets are rolled to an IRA, ERISA anti-alienation no longer applies and IRA creditor protection depends on bankruptcy limits and state law. Documentation, Titling, and Process Paperwork proves protection. If you ever need to show that dollars carry special status, records will do the talking. Thorough records help protect retirement accounts from lawsuits when questions arise. Save plan documents and adoption agreements. These establish ERISA applicability. Keep rollover confirmations and statements. Store them with IRA custodial agreements for easy tracing. Title accounts clearly. Use labels like “Rollover IRA” to make the source obvious at a glance. Log contributions, rollovers, and conversions. Clean records simplify taxes and legal tracing. Special Risks to Monitor Tax issues. The IRS has broad collection powers. Staying current is cheaper than enforcement. Divorce and support orders. QDROs can access certain funds; early planning and fair settlements reduce surprises. Changing states. Moving can change your exemptions; review your plan whenever you change domicile. Side gigs and board roles. New activities add liability; update contracts and coverage accordingly. A Layered Action Plan to Protect Retirement Accounts from Lawsuits Inventory accounts. List plan type, employer plan or IRA, and whether funds are rollover or contributory. Identify ERISA protection. Flag any accounts with federal anti-alienation provisions. Map state exemptions. Review a current summary of your state’s IRA rules or speak with local counsel. Decide on rollovers deliberately. Confirm how a move changes your legal shield before transferring so you protect retirement accounts from lawsuits. Update beneficiary designations. Align forms with your estate plan and desired protections for heirs. Raise umbrella coverage. Coordinate home, auto, and umbrella policies with adequate limits. Avoid prohibited transactions. If using a self-directed IRA, obtain guidance before every deal. Schedule annual reviews. Revisit after major life changes or when laws shift. Plain-English FAQs Should I roll my old 401(k) into an IRA at retirement? Maybe. ERISA plans typically offer stronger shields against private creditors; IRAs offer investment flexibility but rely on state law outside bankruptcy and have a federal bankruptcy cap of $1,711,975 for contributed amounts (rollover dollars traceable from qualified plans are exempt without limit). Choose the path that better protects retirement accounts from lawsuits. Do umbrella policies actually help? Yes. Umbrella policies often intercept claims before they threaten personal assets. They aren’t perfect, yet they’re relatively inexpensive for the protection gained. Work with an agent who understands how businesses, rentals, or hobbies change your risk profile. Are inherited IRAs protected for my adult children? Under federal bankruptcy law they’re not exempt (Clark v. Rameker), though some states provide statutory exemptions; consider a properly drafted trust for heirs in high-liability fields. Can a self-directed IRA LLC shield me from my personal creditors? No. The LLC primarily eases administration and speeds transactions. It doesn’t turn your IRA into a fortress against your liabilities. Protection comes from the retirement account rules, proper titling, and adherence to prohibited-transaction restrictions. Tying It All Together To truly protect retirement accounts from lawsuits, combine the legal shield of ERISA or state-protected IRAs, the practical shield of robust insurance, and the procedural shield of impeccable documentation. No single tool is enough. Together, they reduce the odds that a claim ever touches your savings and improve your leverage if one does. Start with what you control today. Confirm which plans are ERISA-protected, label and separate your Rollover IRA, refresh beneficiary forms, and right-size your umbrella coverage. Then schedule a brief conversation with a local asset-protection attorney to confirm your approach fits your state’s rules. With a layered strategy of account type, documentation, and insurance, you can confidently protect retirement accounts from lawsuits and keep your financial independence intact. Key Takeaways Leverage ERISA. Employer plans usually provide the strongest non-bankruptcy protection from private creditors. Know your state. Outside bankruptcy, IRA protection depends on state exemptions; plan accordingly. Document rollovers. Keep Rollover IRAs traceable to preserve enhanced bankruptcy protection. Reinforce with insurance. Umbrella and professional liability policies stop many claims at the gate. Avoid prohibited transactions. Self-directed IRA missteps can collapse tax benefits and legal protection at once. Final Word The law gives you powerful tools. Use them early, use them together, and keep them current. With a layered strategy of account type, documentation, and insurance, you can confidently protect retirement accounts from lawsuits and keep your financial independence intact. The post How to Protect Retirement Accounts from Lawsuits first appeared on American Bullion.
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Pi Network Price Crashes 88% Since Launch, New Developments Say Further Decline Is Coming
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Pi Coin is struggling to register any bullish momentum, and all indicators suggest this might continue into the foreseeable future. Since its launch, the Pi Network price has crashed by about 88%, which has left many early supporters and holders worried about its future. Recent market data shows that the decline can be attributed to massive token unlocks and weak liquidity on crypto exchanges. Furthermore, new developments show that unless market dynamics improve, Pi Network may face even more declines in the coming months. Heavy Selling Pressure Pi Due To Token Unlocks Pi’s price action has been full of downtrends, with data showing the cryptocurrency down across multiple timeframes. At the time of writing, the token is currently moving between $0.353 and $0.3606 with poor liquidity and continued unlocking of the tokens. The unlocks have done nothing to help with the situation of things. One of the biggest influences behind Pi Network’s downtrend is the continuous release of unlocked tokens into the market. Pi was created with a max supply of 100 billion tokens, but only 8 billion of those are currently in circulation. Its tokenomics are set up such that tokens are unlocked into circulation every day. According to data from PiScan, there are about 5 billion Pi Network tokens locked right now, and 135.7 million of those are set to be unlocked in the next 30 days. Notably, one unlock event added around 163 million PI tokens worth about $60 million into circulation, a move that contributed further to the cryptocurrency’s price decline. More token unlocks are expected in the near future, and the increase in circulating supply has far outpaced demand. Data from PiScan shows that about 4.5 million Pi worth $1.614 million are released every day. This oversupply problem could leave the price of Pi Network vulnerable, and each token release could further weaken the value of those in circulation. Furthermore, the current order books for Pi Network across several exchanges are extremely thin, leaving too few buyers in the market to absorb the wave of selling pressure. Project Delays: Calls For Bold Action Pi Network’s own development delays have contributed to skepticism among many investors. The long-promised KYC rollout, the V23 upgrade, and full mainnet decentralization have created frustration among users who had anticipated faster progress. In a lengthy post on the social media platform X, prominent community member Mr Spock urged the Pi Core Team to take what he described as bold economic steps to restore stability and build a valuable and sustainable economy. He called for a comprehensive buyback and burn program, noting that aggressive deflationary measures are the only way to protect Pi’s value. According to him, the Core Team should buy back Pi from the open market, permanently burn all transaction fees instead of recycling them, and stop flooding the market with excess supply. He further suggested that Pi’s mining model must be reconsidered either by ending it completely to lock the supply or by introducing utility-based mining that rewards only those who contribute real value to the ecosystem. At the time of writing, Pi Network is trading at $0.3552, down by 1% in the past 24 hours. A drop below $0.350 could guarantee further declines to $0.34.