“People can never earn wealth beyond their understanding.” This sentence reveals the core logic of investment—opportunity always accompanies understanding, especially as the Federal Reserve approaches a rate cut window. Accurate judgment and rational decision-making are even more critical at this moment.

According to the latest market signals, a rate cut by the Federal Reserve in September has become a high-probability event. Industry surveys show that nearly all economists predict a reduction of the benchmark interest rate by 25 basis points on September 17, to a range of 4.00%-4.25%; the CME "FedWatch" data also confirms this trend, with a 93.9% probability of a 25 basis point cut. The core reason for this rate cut is the pressure on the U.S. labor market, with non-farm employment growth in August nearly stagnating, and employment data from the previous 12 months being significantly revised downwards, providing support for accommodative policies.

Looking ahead, the market expects further easing, with over half of economists predicting a cumulative rate cut of 50 basis points by the end of 2025, while 37% of respondents believe the rate cut could reach 75 basis points.

In the face of this potential opportunity, it is necessary to have a clear understanding: while a rate cut may benefit assets such as equities and bonds, the risk variation across different sectors is significant. It is recommended to align asset allocation logic with one's own risk tolerance, investment horizon, and goals to avoid blindly "getting on board," so as to seize wealth opportunities within one's understanding amid market fluctuations.