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Napkin Interest RatesVideo

Account Id: 4394098893001

Player Id: bb60d070-b695-4c55-9162-a421ad370a53

Video ADA Text: Napkin Finance: Interest Rates video

Transcript Browser Title: Video transcript: Napkin Finance: Interest Rates video

Description: Learn the basics!

English

Video Id: 6241306978001

Audio Description Video Id: 6241306789001

Length (seconds): 91

Transcript: <p><strong>BRG – JPMS – Interest Rates – Text Alternative Script</strong></p> <h2>Note:</h2> <p>Legal disclosures appear.</p> <h2>On Screen:</h2> <p>Investment and insurance products:</p> <ul> <li>Not a deposit</li> <li>Not FDIC insured</li> <li>Not insured by any federal government agency.</li> <li>No bank guarantee</li> <li>May lose value</li> </ul> <h2>Note:</h2> <p>This video uses text and infographics, presented as napkin sketches, to illustrate and reinforce spoken content.</p> <h2>On Screen:</h2> <p>J.P. Morgan Wealth Management logo.</p> <h2>Note:</h2> <p>Bouncy music plays.</p> <h2>On Screen:</h2> <p>Interest Rates.</p> <h2>Narrator:</h2> <p>Interest rates.</p> <h2>On Screen:</h2> <p>The Narrator's dialogue appears as written text on a napkin. A banner appears labeled: &quot;What.&quot;</p> <h2>Narrator:</h2> <p>Interest rates represent the cost of borrowing money. They're typically expressed as a percentage of the amount borrowed. Higher interest rates make it more expensive to borrow money, while lower rates make it less expensive.</p> <h2>On Screen:</h2> <p>Drawings appear of percentage signs and arrows pointing upward and downward.</p> <h2>Narrator:</h2> <p>Interest rates can impact you when you borrow money or when you lend money. If you borrow money, interest rates determine how much you pay for a loan.</p> <h2>On Screen:</h2> <p>A banner appears labeled: How they impact you</p> <h2>On Screen:</h2> <p>A drawing shows a check being written for a mortgage payment.</p> <h2>Narrator:</h2> <p>Interest rates also determine how much you earn on loans, such as deposits held with banks or bonds purchased as investments.</p> <h2>On Screen:</h2> <p>A drawing shows a statement labeled &quot;Interest Earned.&quot;</p> <h2>Narrator:</h2> <p>A number of factors may affect interest rates. The Federal Funds Rate is determined by the Federal Reserve and influences interest rates throughout the broader economy.</p> <h2>On Screen:</h2> <p>A banner appears labeled: What affects rates</p> <h2>On Screen:</h2> <p>A drawing shows the Federal Reserve Bank seal with arrows pointing upward and downward.</p> <h2>Narrator:</h2> <p>The Federal Reserve also influences the supply of money, meaning how much money is currently in circulation. A greater supply of money typically pushes rates down, while a lower supply pushes rates up.</p> <h2>On Screen:</h2> <p>A drawing shows three sacks of money with a downward-pointing arrow. It turns into one sack of money with an upward-pointing arrow.</p> <h2>Narrator:</h2> <p>Inflation and interest rates often go hand-in-hand. Interest rates generally rise when inflation is expected to be higher, and vice versa.</p> <h2>On Screen:</h2> <p>A drawing appears of price tags with upward and downward pointing arrows.</p> <h2>Narrator:</h2> <p>Borrower risk can influence the rate of a particular loan. Higher-risk borrowers typically pay higher rates when they borrow. And lower-risk borrowers enjoy lower rates.</p> <h2>On Screen:</h2> <p>A drawing shows meter labeled: &quot;Borrower Risk,&quot; fluctuating up and down.</p> <h2>Note:</h2> <p>Small print text appears</p> <h2>On Screen:</h2> <p>Powered by Napkin Finance.</p> <h2>On Screen:</h2> <p>J.P. Morgan Wealth Management logo.</p> <h2>Note:</h2> <p>Legal disclosures appear.</p> <h2>On Screen:</h2> <p>Investing involves market risk, including possible loss of principal, and there is no guarantee that investment objectives will be achieved.</p> <p>Asset allocation/diversification does not guarantee a profit or protect against a loss.</p> <p>Past performance is not a guarantee of future results.</p> <p>The price of equity securities may rise or fall due to the changes in the broad market or changes in a company’s financial condition, sometimes rapidly or unpredictably. Equity securities are subject to ‘stock market risk’ meaning that stock prices in general may decline over short or extended periods of time.</p> <p>In general, the bond market is volatile and bond prices rise when interest rates fall and vice versa. Longer term securities are more prone to price fluctuation than shorter term securities. Any fixed income security sold or redeemed prior to maturity may be subject to substantial gain or loss. Dependable income is subject to the credit risk of the issuer of the bond. If an issuer defaults no future income payments will be made.</p> <p>When investing in mutual funds or exchange-traded and index funds, please consider the investment objectives, risks, charges and expenses associated with the funds before investing. You may obtain a fund's prospectus by contacting your investment professional or visiting the fund company's website. The prospectus contains this, and other information, which should be carefully read before investing.</p> <p>This video and its content have been developed for J.P. Morgan Securities LLC clients and prospects, is for informational and educational purposes only, and is designed to provide general market commentary and information relating to certain services offered by J.P. Morgan Securities LLC, an affiliate of JPMorgan Chase &amp; Co. Opinions expressed herein are those of the author and may differ from those of other J.P. Morgan employees and affiliates. The information in no way constitutes J.P. Morgan research and should not be trusted as such. Further, the views expressed herein may differ from that contained in J.P. Morgan research reports.</p> <p>The information and views expressed are not intended to provide specific advice or recommendations for any individual. You should carefully consider your needs and objectives before making any decisions. For specific guidance on how this information should be applied to your situation, you should consult your Advisor.</p> <p>Investment products and services are offered through <strong>J.P. Morgan Securities LLC </strong>(JPMS), a registered broker-dealer and investment advisor, member of FINRA and SIPC. Annuities are made available through Chase Insurance Agency, Inc. (CIA), a licensed insurance agency, doing business as Chase Insurance Agency Services, Inc. in Florida. JPMS, CIA and J.P. Morgan Chase Bank, N.A. are affiliated companies under the common control of JPMorgan Chase &amp; Co. Products not available in all states.</p> <p>Copyright {{copyrightCurrentYear}} JPMorgan Chase &amp; Co.</p>

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