January 28, 2026
Finance

Market Edges Lower as Fed Holds Rates Steady; Tech Earnings Draw Mixed Reactions and Gold Skyrockets

Investors digest Fed's rate decision amid geopolitical tensions and anticipate upcoming big tech earnings reports

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Summary

On Wednesday evening, U.S. stock futures fell following the Federal Reserve's announcement to maintain interest rates at current levels. As investors assess this decision against the backdrop of heightened Middle East tensions and early mixed results from key technology companies, precious metals surged with gold hitting record highs. Looking ahead, the focus shifts to earnings reports from Apple, Visa, Mastercard, and Lockheed Martin, as well as upcoming economic data releases.

Key Points

Federal Reserve maintained current interest rates in January meeting.
Mixed earnings results from major tech firms, Microsoft shares fell despite beating forecasts, Meta gained.
Gold and silver prices reached new all-time highs despite unchanged interest rates.
Crude oil and natural gas futures gained amid uncertain market conditions.

U.S. stock futures declined Wednesday evening after the Federal Reserve announced no change to interest rates during its January Federal Open Market Committee meeting. The decision to hold rates steady comes as investors simultaneously monitor geopolitical concerns and a mixed start to the influential technology sector’s earnings season.

The benchmark S&P 500 Futures dropped 18 points, or 0.26%, trading at 6,989. Nasdaq Futures retreated by 55.75 points, around 0.22%, to 26,098.50, while Dow Futures decreased by 142 points, or 0.29%, settling near 49,025 as of late Wednesday trading.

Heightened tensions in the Middle East added to market unease. Former President Donald Trump called on Iranian leaders to promptly engage in negotiations over their nuclear program, urging them to "quickly ‘come to the table' and negotiate a fair and equitable deal." Trump also cautioned that a potential future attack would be "far worse" if Iran refuses to participate in talks.

Within the earnings landscape, Microsoft Corporation’s shares fell 6% after hours despite its quarterly results surpassing analyst expectations. Conversely, Meta Platforms saw gains after reporting a strong fourth quarter, symbolizing a diverse early reaction during the critical tech earnings period.

Energy markets also reflected growing momentum. West Texas Intermediate crude oil for March delivery rose by 0.52%, reaching $63.57 per barrel, contributing to an impressive 7.26% rally over the week to date. Similarly, March futures for natural gas increased 0.94%, trading at $3.748 per metric million British thermal units (MMBtu).

Across the Pacific, Asian markets opened higher Thursday morning. Japan’s Nikkei 225 index increased 0.17% (90 points), with shares in engineering, mining, and automotive sectors leading. This upward momentum coincided with continuing strength in precious metals.

Gold prices surged dramatically, setting a new all-time record by surpassing $5,500 per ounce. This rally represents gold's largest single-day gain against the U.S. dollar. Meanwhile, silver prices also hit unprecedented levels above $117 an ounce, accumulating more than 60% gains since the start of the year thus far.

In currency markets, the U.S. Dollar Index (DXY) extended its decline by 0.04%, reaching 96.287. Former President Trump downplayed concerns about the dollar’s drop to four-year lows, signaling an acceptance of continued currency weakness moving forward.

Looking ahead, the market’s attention turns toward earnings from several key companies including Apple Inc. (NASDAQ:AAPL), Visa Inc. (NYSE:V), Mastercard Inc. (NYSE:MA), and Lockheed Martin Corporation (NYSE:LMT). Investors will also focus on upcoming economic indicators, specifically the Producer Price Index releases, along with speeches from Federal Reserve officials St. Louis Fed President Alberto Musalem and Fed Vice Chair for Supervision Michelle Bowman.

The current environment of heightened volatility has triggered active trading opportunities. Short-term setups are emerging as market dynamics shift rapidly with fluctuations and rebounds, prompting some traders to seek capitalizing on these swings within days.

Currently, Apple’s stock price stands at $256.79 with a slight gain of 0.14%, Lockheed Martin shares are valued at $596.16, down 0.19%, Mastercard at $521.20 with minimal change, Meta Platforms climbing 6.64% to $713.12, Microsoft at $452.04 down 6.14%, and Visa marginally off by 0.02% at $326.90.


Summary: U.S. futures drift lower following the Federal Reserve’s decision to keep rates unchanged, coinciding with an uneven start to tech earnings and growing geopolitical risks. Gold and silver prices hit historic highs despite stable interest rates, while investors anticipate high-profile corporate earnings and key economic reports that may steer market direction in coming days.

Key Points:

  • Federal Reserve kept interest rates steady during its January policy meeting.
  • Mixed earnings results from major tech companies: Microsoft down 6% post-earnings, Meta up on strong quarter.
  • Gold and silver hit record prices, marking significant rallies versus the U.S. dollar.
  • Energy commodities showing gains amid broader market uncertainty.

Risks and Uncertainties:

  • Escalating tensions in the Middle East raise geopolitical risk factors impacting investor sentiment.
  • Volatility in currency markets, with the U.S. dollar trending weaker, could affect asset valuations.
  • Potential market fluctuations around forthcoming earnings reports from tech and defense companies.
  • Upcoming economic indicators and Federal Reserve officials’ commentary may influence future policy expectations and market behavior.
Risks
  • Heightened Middle East geopolitical tensions create market uncertainty.
  • Declining U.S. Dollar may impact investment valuations negatively.
  • Volatility around upcoming major corporate earnings reports.
  • Economic data releases and Fed speeches could alter future market dynamics.
Disclosure
Education only / not financial advice
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