<p>美聯儲主席傑羅姆·鮑威爾在週三的九月會議上降息並不令人感到意外。在七月份，他明確暗示降息即將到來，降幅可能為四分之一個百分點。結果正是如此。決策機構還表示，在接下來的十月和十二月的會議上將再進行兩次降息。</p>
<p>鮑威爾指出，經濟中存在混合信號，這使得這一決定變得困難。通常情況下，美聯儲會在通脹回落之前保持高利率，而目前的通脹水平高於美聯儲的預期。儘管如此，曾經強勁的就業市場開始出現疲軟，降低利率應該會刺激經濟和就業機會。</p>
<p>一個更活躍的經濟體，伴隨着更多的就業和資金流動，對大多數企業來説都是好消息，而一些公司將更明顯地感受到這種變化。<strong>Visa</strong>(V 1.19%)、<strong>SoFi Technologies</strong>(SOFI 4.98%) 和 <strong>Carnival</strong>(CCL -2.86%) (CUK -2.67%) 是三隻應該會大幅受益的股票。</p>
<p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzQxNDQvMy13b21lbi1pbi1hLXNob3BwaW5nLW1hbGwuanBnJnc9NzAw?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" alt="" original-src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzQxNDQvMy13b21lbi1pbi1hLXNob3BwaW5nLW1hbGwuanBnJnc9NzAw"/></p>
<p>圖片來源：Getty Images。</p>
<h2>1. Visa：消費習慣的最佳指標</h2>
<p>Visa 是全球最大的信用卡公司，其表現在某種程度上反映了經濟的狀況。作為一個信用卡網絡，其處理的交易量強烈指示了人們的消費情況。由於其目標客户羣體廣泛，其信息也相對普遍。</p>
<p>降息的目的是刺激經濟，而 Visa 是消費增加的主要受益者。Visa 的核心業務是提供將資金從客户的合作銀行轉移到商户的網絡或基礎設施，並從每筆交易中抽取少量費用。儘管它已經擴展到其他服務，但這些服務大多圍繞不同的資金轉移方式展開。資金流動越多，Visa 獲得的收益就越多。</p>
<p>儘管利率較高，它的表現依然良好。在 2025 財年第三季度（截至 6 月 30 日），收入同比增長 14%，支付交易量增長 8%。由於其簡單、低成本的商業模式，它的盈利能力很強，淨收入在該季度同比增長 8%。</p>
<p>降低利率應該會進一步提升 Visa 的收益，使這隻受到沃倫·巴菲特支持的股票受益。Visa 是一項穩健的長期投資，為大多數投資組合提供了價值。</p>
<h2>2. SoFi：年輕的銀行顛覆者</h2>
<p>銀行與利率之間存在雙向關係。當利率較高時，它們的淨利息收入更高，但由於消費者難以償還貸款，它們也會面臨更高的違約率。因此，銀行通常在利率較低時表現更好。</p>
<p>這適用於整個行業，但我特別選擇 SoFi，部分原因是它的大額貸款業務，部分原因是它的增長速度遠快於幾乎所有其他銀行，這意味着它將在改善的經濟中獲得更多收益。</p>
<p>SoFi 是一家數字銀行，沒有實體分支機構，提供現代化的財務管理方式。除了學生貸款、個人貸款和住房貸款外，它還提供廣泛的標準銀行服務，通常在存款的儲蓄利率上超過全國平均水平。</p>
<p>它還在其應用程序上提供非標準服務，如加密貨幣交易，並且最近表示將提供基於區塊鏈網絡的國際匯款。這可能提供真正的價值，因為國際匯款通常是一個複雜、昂貴且耗時的過程。</p>
<p>在利率高企的去年，SoFi 的貸款業務遭遇困難，而隨着利率降低，它已經受益於加速的收入增長和更好的信用指標。即使是更低的利率也應該有助於其所有業務部門，除了貸款外，還包括銀行賬户和投資等金融服務，以及作為企業對企業的金融基礎設施的技術平台。</p>
<p>隨着其在金融領域的規模和實力不斷增強，它應該能夠更好地應對未來的不確定性。</p>
<h2>3. Carnival：出色的表現，高負債</h2>
<p>Carnival 在客户持續報名參加其郵輪的情況下，順利航行。需求處於歷史高位，營業收入創下紀錄，公司正在訂購新船並推出新目的地以滿足所有這些需求。</p>
<p>業務中唯一的一個問題是：它負債累累。儘管它一直在負責任地償還債務，但仍超過 270 億美元。今年，它以更好的利率再融資了 70 億美元，節省了數百萬的利息。現在，它將能夠以更低的利率再融資更多的債務。</p>
<p>除了債務，Carnival 的投資論點依然強勁。它是全球最大的郵輪運營商，儘管通脹高企，需求依然健康。這顯示了其韌性。</p>
<p>由於對債務的擔憂，Carnival 的股票今天仍然便宜，但隨着其償還債務並變得更加盈利，預計股票將繼續上漲。</p>

嘉年華郵輪

SOFI

<p>美聯儲主席傑羅姆·鮑威爾宣佈將利率下調四分之一個百分點，並預計在十月和十二月還會有兩次降息。此舉旨在刺激經濟，儘管經濟信號混雜。預計將從此次降息中受益的三隻股票是 Visa、SoFi Technologies 和嘉年華郵輪。作為領先的信用卡公司，Visa 預計將因消費者支出增加而實現更高的收益。SoFi 作為一家數字銀行，憑藉其多樣化的金融服務，具備增長潛力。嘉年華郵輪雖然面臨重大債務挑戰，但其郵輪需求依然強勁</p>

<p>It wasn't a big surprise that Federal Reserve Chairman Jerome Powell cut interest rates at the Fed's September meeting on Wednesday. In July, he implied in no uncertain terms that a rate cut was coming, and the likelihood was that it was going be a quarter of a point. That's what has happened. The governing body also signaled that two more cuts would come at its next two meetings, in October and December.</p>
<div class="lb-trans"><p>美聯儲主席傑羅姆·鮑威爾在週三的九月會議上降息並不令人感到意外。在七月份，他明確暗示降息即將到來，降幅可能為四分之一個百分點。結果正是如此。決策機構還表示，在接下來的十月和十二月的會議上將再進行兩次降息。</p>
</div><p>Powell noted that there are mixed signals in the economy, which made it a difficult decision. Normally, the Fed keeps rates high until inflation backs down, and right now, inflation is higher than the Fed wants it to be. Nonetheless, the once-strong job market is beginning to falter, and a reduction in interest rates should stimulate the economy and employment opportunities.</p>
<div class="lb-trans"><p>鮑威爾指出，經濟中存在混合信號，這使得這一決定變得困難。通常情況下，美聯儲會在通脹回落之前保持高利率，而目前的通脹水平高於美聯儲的預期。儘管如此，曾經強勁的就業市場開始出現疲軟，降低利率應該會刺激經濟和就業機會。</p>
</div><p>A more active economy with more jobs and money flowing is great news for most businesses, and some companies will feel the change more acutely. <strong>Visa</strong>(V 1.19%), <strong>SoFi Technologies</strong>(SOFI 4.98%), and <strong>Carnival</strong>(CCL -2.86%) (CUK -2.67%), are three stocks that should benefit in a big way.</p>
<div class="lb-trans"><p>一個更活躍的經濟體，伴隨着更多的就業和資金流動，對大多數企業來説都是好消息，而一些公司將更明顯地感受到這種變化。<strong>Visa</strong>(V 1.19%)、<strong>SoFi Technologies</strong>(SOFI 4.98%) 和 <strong>Carnival</strong>(CCL -2.86%) (CUK -2.67%) 是三隻應該會大幅受益的股票。</p>
</div><p><img src="https://imageproxy.pbkrs.com/https://g.foolcdn.com/image//query-b3A9cmVzaXplJnVybD1odHRwczovL2cuZm9vbGNkbi5jb20vZWRpdG9yaWFsL2ltYWdlcy84MzQxNDQvMy13b21lbi1pbi1hLXNob3BwaW5nLW1hbGwuanBnJnc9NzAw" alt="" original-src="https://g.foolcdn.com/image/?url=https%3A%2F%2Fg.foolcdn.com%2Feditorial%2Fimages%2F834144%2F3-women-in-a-shopping-mall.jpg&amp;op=resize&amp;w=700"/></p>
<p>Image source: Getty Images.</p>
<div class="lb-trans"><p>圖片來源：Getty Images。</p>
</div><h2>1. Visa: The best indicator of spending habits</h2>
<div class="lb-trans"><h2>1. Visa：消費習慣的最佳指標</h2>
</div><p>Visa is the largest credit card company in the world, and its performance tells the story of the economy to some degree. Because it's a credit card network, its processed volume is a strong indication of how people are spending. And because it targets a wide range of demographics, its message is fairly universal.</p>
<div class="lb-trans"><p>Visa 是全球最大的信用卡公司，其表現在某種程度上反映了經濟的狀況。作為一個信用卡網絡，其處理的交易量強烈指示了人們的消費情況。由於其目標客户羣體廣泛，其信息也相對普遍。</p>
</div><p>The purpose of cutting interest rates is to boost the economy, and Visa is a major beneficiary of higher spending. Visa's core business is providing the network, or infrastructure, that moves money from a customer's partnering bank to a merchant, taking a small cut of each transaction. Although it has branched out to other services, they mostly center around different ways of moving money. More money flowing means more money for Visa.</p>
<div class="lb-trans"><p>降息的目的是刺激經濟，而 Visa 是消費增加的主要受益者。Visa 的核心業務是提供將資金從客户的合作銀行轉移到商户的網絡或基礎設施，並從每筆交易中抽取少量費用。儘管它已經擴展到其他服務，但這些服務大多圍繞不同的資金轉移方式展開。資金流動越多，Visa 獲得的收益就越多。</p>
</div><p>It has been performing well despite the higher interest rates. In the 2025 fiscal third quarter (ended June 30), revenue increased 14% year over year, and payments volume was up 8%. It's highly profitable, since it has a simple, low-cost model, and net income increased 8% over last year in the quarter.</p>
<div class="lb-trans"><p>儘管利率較高，它的表現依然良好。在 2025 財年第三季度（截至 6 月 30 日），收入同比增長 14%，支付交易量增長 8%。由於其簡單、低成本的商業模式，它的盈利能力很強，淨收入在該季度同比增長 8%。</p>
</div><p>Lower interest rates should further boost Visa's earnings, benefiting this Warren Buffett-backed stock. Visa is a solid long-term investment, offering value to most portfolios.</p>
<div class="lb-trans"><p>降低利率應該會進一步提升 Visa 的收益，使這隻受到沃倫·巴菲特支持的股票受益。Visa 是一項穩健的長期投資，為大多數投資組合提供了價值。</p>
</div><h2>2. SoFi: A young bank disruptor</h2>
<div class="lb-trans"><h2>2. SoFi：年輕的銀行顛覆者</h2>
</div><p>Banks have a two-sided relationship with interest rates. They make more money on net interest income when rates are higher, but they also suffer from higher default rates because consumers struggle to pay back loans. They also take out loans at lower rates for that reason, and altogether, banks usually do better with lower rates.</p>
<div class="lb-trans"><p>銀行與利率之間存在雙向關係。當利率較高時，它們的淨利息收入更高，但由於消費者難以償還貸款，它們也會面臨更高的違約率。因此，銀行通常在利率較低時表現更好。</p>
</div><p>That goes for the industry as a whole, but I'm picking SoFi in particular partly because of its large lending segment, and partly because it's growing much faster than almost any other bank, which means it stands to gain a lot from an improving economy.</p>
<div class="lb-trans"><p>這適用於整個行業，但我特別選擇 SoFi，部分原因是它的大額貸款業務，部分原因是它的增長速度遠快於幾乎所有其他銀行，這意味着它將在改善的經濟中獲得更多收益。</p>
</div><p>SoFi is a neobank, a cadre of digital banks that have no physical branches and offer a modern take on financial management. In addition to student, personal, and home loans, it offers a broad array of standard banking services and typically beats out national averages on savings rates for deposits.</p>
<div class="lb-trans"><p>SoFi 是一家數字銀行，沒有實體分支機構，提供現代化的財務管理方式。除了學生貸款、個人貸款和住房貸款外，它還提供廣泛的標準銀行服務，通常在存款的儲蓄利率上超過全國平均水平。</p>
</div><p>It also offers non-standard services like cryptocurrency trading on its app, and it recently said it would offer international money transfers on a Blockchain network. That could offer real value, since sending money internationally is often a complicated, expensive, and long process.</p>
<div class="lb-trans"><p>它還在其應用程序上提供非標準服務，如加密貨幣交易，並且最近表示將提供基於區塊鏈網絡的國際匯款。這可能提供真正的價值，因為國際匯款通常是一個複雜、昂貴且耗時的過程。</p>
</div><p>SoFi's lending segment struggled last year when interest rates were at a high, and it has already benefited from lower rates with accelerated revenue growth and better credit metrics. Even lower rates should help all of its segments, which, aside from lending, include financial services, like bank accounts and investing, and tech platform, which is a business-to-business financial infrastructure.</p>
<div class="lb-trans"><p>在利率高企的去年，SoFi 的貸款業務遭遇困難，而隨着利率降低，它已經受益於加速的收入增長和更好的信用指標。即使是更低的利率也應該有助於其所有業務部門，除了貸款外，還包括銀行賬户和投資等金融服務，以及作為企業對企業的金融基礎設施的技術平台。</p>
</div><p>As it becomes a larger and more formidable player in finance, it should be able to weather future uncertainty even better.</p>
<div class="lb-trans"><p>隨着其在金融領域的規模和實力不斷增強，它應該能夠更好地應對未來的不確定性。</p>
</div><h2>3. Carnival: Great performance, high debt</h2>
<div class="lb-trans"><h2>3. Carnival：出色的表現，高負債</h2>
</div><p>Carnival is sailing through smooth seas as customers continue to sign up for its cruises. Demand is at historical highs, operating income is at a record, and the company is ordering new ships and launching new destinations to meet all of this demand.</p>
<div class="lb-trans"><p>Carnival 在客户持續報名參加其郵輪的情況下，順利航行。需求處於歷史高位，營業收入創下紀錄，公司正在訂購新船並推出新目的地以滿足所有這些需求。</p>
</div><p>There's only one kink in the business: it has massive debt. It's been paying it off responsibly, but it's still more than $27 billion. This year, it has refinanced $7 billion at better rates, saving millions on interest. It will now be able to refinance more of its debt at lower rates.</p>
<div class="lb-trans"><p>業務中唯一的一個問題是：它負債累累。儘管它一直在負責任地償還債務，但仍超過 270 億美元。今年，它以更好的利率再融資了 70 億美元，節省了數百萬的利息。現在，它將能夠以更低的利率再融資更多的債務。</p>
</div><p>Outside of the debt, the investment thesis for Carnival is strong. It's the largest global cruise operator, and demand has stayed healthy despite high inflation. That's resiliency.</p>
<div class="lb-trans"><p>除了債務，Carnival 的投資論點依然強勁。它是全球最大的郵輪運營商，儘管通脹高企，需求依然健康。這顯示了其韌性。</p>
</div><p>Carnival stock is still cheap today due to the concerns about the debt, but as it pays it down and becomes more profitable, expect the stock to keep climbing.</p>
<div class="lb-trans"><p>由於對債務的擔憂，Carnival 的股票今天仍然便宜，但隨着其償還債務並變得更加盈利，預計股票將繼續上漲。</p>
</div>

Federal Reserve Chairman Jerome Powell Just Cut Interest Rates. 3 Top Stocks to Buy Now.

- 美聯儲主席鮑威爾在 9 月會議上降息，預計未來兩次會議將再降息。  
- 降息旨在刺激經濟和就業，Visa、SoFi 和 Carnival 等公司將受益。  
- Visa 表現強勁，SoFi 快速增長，Carnival 需求高但負債較重。

美聯儲主席傑羅姆·鮑威爾剛剛宣佈降息。現在是購買三隻優質股票的好時機