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The rapid evolution of the digital asset market, including cryptocurrencies, has brought forward significant regulatory challenges. These challenges are particularly acute given the dual nature of these assets, which blend technological innovation with financial market dynamics.

well we are seeing strong data sending the 10year toward a 16-year high again we see the 10year yield there up uh about uh at 482 right now investors remain concerned over pressures of potential rate hikes the mortgage market and the crisis panning out in the Middle East all contributing to these swings for more insight on the bond market we're joined by Kathy Jones Charles Schwab Chief fixed income strategist um Kathy good to talk to you today we're looking at 4.8% roughly for the 10e are we going to continue to see this March towards 5% well it certainly looks like it at this stage of the game it will depend on the data that we get but the retail sales numbers suggest that you know the upcoming GDP figures will be pretty strong we already had a sense the third quarter would be pretty strong but these numbers will contribute to it so at this stage of the game you know there is a risk that we go up to five you know even a little bit above that historically in the past cyclical peaks in the 10year have come in pretty pretty much at the the peak rate of the FED funds so you know kind of get the yield curve to converge at the peak so there is still some upside risk uh but we would say that at these yields there we we find them pretty attractive um both in nominal terms and in real terms for investors looking for income and Kathy as we look at the volatility though how is that informing your strategy here if you're someone who wants to invest in this space yeah volatility has been uh elevated and and probably is going to continue to be because a lot of that has to do with uncertainty about the direction of policy this dysfunction in Washington is not helping you've got Global issues uh Wars now that uh are contributing to that and maybe a little bit of a thin Market or liquidity isn't what it used to be because people are kind of standing back and waiting to see what happens next so I think that in a volatile environment either a barbell strategy or laded strategy where you kind of spread out the maturities of your bonds and stay in high quality bonds is probably the best way to deal with it because you can lock in some of that income stream but you're not trying to Target um one yield one day of the week and just ride the ups and downs yeah that would be a very exhausting strategy day by day um Kathy in many ways the bond Market's doing the mark the job for the fed this is sort of where the FED would like it to be given credit tightening but um seeing rates have moved how quickly they have moved up has that changed your base case for the fed's trajectory at all well this has been an unusual cycle I mean I I would say um this has been out of the ordinary in many ways coming out of a pandemic having supply side shocks and then big fiscal stimulus you know moving demand now we've got a bunch of geopolitical things happening so um I think the FED at least from what we're hearing believes that it's done enough to slow the economy there's usually about a 15 to 18month lag between Fed rate hikes and the impact on the economy and what we're hearing from the regional fed presidents is they're talking to individuals and businesses you know in their districts on the ground and what those businesses are saying is hey you guys have done enough things are slowing down we're starting to see some weakness there are some concerns about commercial real estate and new orders for you know various at times the types of durable goods and services so I think what they're hearing is you know this is probably a good point at which to stop and then let the tightening continue through the shrinking of the balance sheet and sort of a gradual slowdown if there's any hope for a soft landing and they're going to have to back off a little bit and wait to see if the inflation numbers continue to Trend lower so then the likelihood of getting to 2% what sort of timeline are we looking at if the current trends continue well I would say it's another year or so out now the the interesting thing is if you look at the core pce which is the you know the Benchmark that the FED has used um on a three Monon rate of return rolling return bases it's down about 2.2% so it's actually very close to the Target but that is you know just a piece of the inflation measures that they they look at but I think that it's certainly du in the next 12 months um I think the fed's projections have it pushed out a little bit further than that but it wouldn't surprise me if the core pce actually gets there relatively quickly because once the rents start to roll off you'll see some of that pressure on the inflation numbers come down and we should start to see uh some better um Supply demand numbers easing some of that inflation pressure and certainly hoping we don't get any more surprises coming up throughout the rest of the year a big thank you there to Kathy Jones Charles Schwab Chief fixed income strategist thank you so much

the sec's a legend coinbase is operating illegally because it failed to register as an exchange now coinbase says it will continue to operate as normal during the litigation process coinbase was involved in staking in general without registering the staking platform with the SEC if you think about some of the tokens they went after Solana cardano polygon you know why these specifically and by the way these were on coinbase they were listed on coins when they went public in the first quarter the U.S represented about 86 percent of coinbase's net revenue the agency said that the company is also illegally merging Market function they say it's acting as a broker an exchange a clearing agency and also a seller of Securities between coinbase the CEO Brian Armstrong saying that the SEC complaint is part of a quote an enforcement approach that is harming America and that pretty much sums up how many in the crypto world are viewing the Crackdown here from the FCC

before the 2023 tax deadline right your goal should be to pay the correct amount of taxes to avoid penalties take advantage of tax benefits and reduce your audit risk given that crypto does have a Target on its back as you said with the regulatory action so I would do a couple of things I would make sure you collect documentation on sales and in crypto Investments that went to zero as many of them did last year when the bubble burst and I would also download the tax CSV file that you have from places where you purchased your Bitcoin or crypto and use tax software could be TurboTax could be Bitcoin and crypto tax offers and then lastly I would hire an accountant give them plenty of time to year taxes given good documentation so they do a better job and think of tax deductions and credits you may qualify for