Inflation targets: why does 2% matter to central banks?

Most major central banks aim for about 2% inflation. When actual inflation runs above or below target, traders try to predict how the central bank will respond — which is half of what moves the market.

Inflation targets: why does 2% matter to central banks? — central bank rate path diagram
A central bank's policy rate path across recent meetings

Questions for the thread:

  • why is 2% the number, anyway?
  • which central banks target something different?
  • how do you use the target when reading an inflation release?
Inflation targets: why does 2% matter to central banks? — risk-reward diagram
A risk-reward ratio of 1 to 2

The inflation targets guide lists each bank's mandate.

Background: Inflation targets of the major central banks: Fed, ECB, BoE, BoJ, SNB, BoC, RBA and RBNZ

Most major central banks aim for inflation of about 2%, but the measures and ranges differ. A reference guide to each target, how recent inflation compares, and why the details matter for currencies.

What is the Federal Reserve's inflation target?

2% over the longer run, measured by the annual change in the personal consumption expenditures (PCE) price index.

Which central banks have an inflation target range?

The Bank of Canada targets 2% as the midpoint of 1–3%, the Reserve Bank of Australia targets 2–3%, and the Reserve Bank of New Zealand targets 1–3% with a focus on the 2% midpoint.

Read the full guide

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