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Stocks Drop As Fed Leaves Investors Uncertain About Rates

The S&P 500 rallied soon after the statement was released, climbing into positive territory. But the rebound quickly became unstuck when Mr. Powell began his public comments, as he reiterated that the central bank “still has a ways to go” before it will be finished raising interest rates, and noted that because inflation has remained stubbornly elevated, interest rates may need to go higher than previously expected.

It’s “very premature” to be talking about pausing rate increases, he said. Investors quickly responded, and the S&P 500 fell sharply. Trading in government bonds was similarly upended, with yields rising in the late afternoon after falling earlier in the day. The two-year Treasury yield, which is sensitive to changes in Fed policy, ended 0.06 percentage points higher at 4.59 percent.

What the Fed’s Rate Increases Mean for You

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A toll on borrowers. The Federal Reserve has been raising the federal funds rate, its key interest rate, as it tries to rein in inflation. By raising the rate, which is what banks charge one another for overnight loans, the Fed sets off a ripple effect. Whether directly or indirectly, a number of borrowing costs for consumers go up.

Consumer loans. Changes in credit card rates will closely track the Fed’s moves, so consumers can expect to pay more on any revolving debt. Car loan rates are expected to rise, too. Private student loan borrowers should also expect to pay more.

Mortgages. Mortgage rates don’t move in lock step with the federal funds rate, but track the yield on the 10-year Treasury bond, which is influenced by inflation and how investors expect the Fed to react to rising prices. Rates on 30-year fixed-rate mortgages have climbed above 6 percent for the first time since 2008, according to Freddie Mac.

Banks. An increase in the Fed benchmark rate often means banks will pay more interest on deposits. Larger banks are less likely to pay consumers more, and online banks have already started raising some of their rates.

“Whoa! If you’re the kid in the back asking if we are nearly there yet and Dad says we have a ways to go then you buckle in for a journey,” said Rob Waldner, chief fixed income strategist at Invesco. “I was struck by that.”

Investors had hoped going into Wednesday’s Fed meeting that a potential easing of the pace of rate increases may be on the cards.

The S&P 500 rose roughly 8 percent in October, partly on better-than-expected corporate earnings but also as some investors began to bet that a pivot in the Fed’s messaging was coming.

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