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cover of episode Strategies for Navigating Market Swings and Leveraging Home Equity Wisely

Strategies for Navigating Market Swings and Leveraging Home Equity Wisely

2025/4/17
logo of podcast NerdWallet's Smart Money Podcast

NerdWallet's Smart Money Podcast

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A
Anna Helhoski
K
Kate Wood
S
Sam Taube
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Anna Helhoski: 面对近期股市剧烈波动,投资者应保持冷静,避免过度关注短期市场噪音。建议采取长期投资策略,并增强个人财务韧性,例如建立3-6个月生活费用的紧急基金,以及偿还高息债务,例如信用卡债务。此外,国际股票和债券ETF在当前市场环境中表现相对较好,但并不意味着应该将所有资金都投入这些领域。 Sam Taube: 股市波动受多种因素影响,例如关税的不确定性,难以预测何时停止。关税可能提高生产成本或消费者价格,从而影响股市和通货膨胀,并可能使美联储的降息计划复杂化。目前股市波动虽然剧烈,但尚未达到2008年金融危机或2020年疫情期间的严重程度。对于退休人员,债券阶梯策略可以提供稳定的现金流,降低投资风险。 Kate Wood: 利用房屋净值进行房屋装修融资主要有三种方式:房屋净值贷款、房屋净值信用额度(HELOC)和现金置换再融资。在当前高利率环境下,现金置换再融资可能并非最佳选择。房屋净值贷款一次性获得贷款金额,利率固定,但贷款机构提供此类贷款的较少。HELOC可以按需借款,只支付已借款项的利息,但利率通常是可调的,更适合房屋装修这种支出不确定、时间跨度长的项目。提前偿还部分本金可以缩短贷款期限,降低总利息支出。在决定是否进行房屋装修融资时,应考虑当前的财务状况、装修的范围和时间线,以及潜在的风险和收益。 Irene: 我们计划对房屋进行扩建,但目前储蓄不足以支付全部费用。我们正在考虑利用房屋净值进行融资,但对不同融资方式的优缺点以及长期财务影响存在顾虑。

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Learn how to stay calm during market volatility and whether a HELOC or cash-out refi makes sense for your home reno goals.

What should you do with your investments when the stock market is particularly volatile? What’s the difference between a HELOC and a cash-out refinance? Hosts Sean Pyles and Elizabeth Ayoola discuss coping with market volatility as well as borrowing against home equity to help you understand how to navigate uncertainty and also make smart decisions about home renovations. First, NerdWallet senior news writer Anna Helhoski and investing writer Sam Taube offer different strategies for approaching recent market volatility, including tips for ignoring short-term investment noise, building financial resilience, and understanding how tariffs affect the economy.

Then, NerdWallet mortgage writer Kate Wood joins Sean and Elizabeth to discuss how to borrow against your home’s value. They discuss the pros and cons of home equity lines of credit (HELOCs) and cash-out refinances, how to evaluate which option may suit your renovation goals, and strategies to avoid financial regret down the road.

NerdWallet’s free HELOC calculator can help you figure out whether you could be eligible for a home equity line of credit—and how much you might be able to borrow: https://www.nerdwallet.com/article/mortgages/heloc-calculator

In their conversation, the Nerds discuss: stock market volatility, what to do when the stock market drops, HELOC vs cash-out refinance, home equity loan pros and cons, how to fund home renovations, building financial resilience, emergency fund tips, tariffs and the stock market, inflation and investments, Fed interest rate policy, bear market meaning, market downturn tips, investing during volatility, how tariffs affect the economy, bond ladder strategy, best time for HELOC, home equity loan risks, saving for home renovation, California home prices, budgeting for renovations, mortgage and equity options, financial impact of home improvements, refinance or HELOC for renovations, Vanguard FTSE All-World Ex-US ETF, iShares Core U.S. Aggregate Bond ETF, international stocks vs US stocks, when to use a cash-out refinance, credit card debt vs investing, student loans and home equity, home improvement timeline planning, setting renovation budgets, housing equity strategies, planning for college savings, market correction vs crash, coping with investment stress, and financial planning in uncertain times.

To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email [email protected]).

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