Discover and read the best of Twitter Threads about #InterestRates
Most recents (24)
1/7 📉 The late 90s and 2000s were characterized by low interest rates and tax cuts.
While these policies were intended to stimulate the economy, they’ve also had significant implications for wealth inequality in the United States. #economics #inequality
While these policies were intended to stimulate the economy, they’ve also had significant implications for wealth inequality in the United States. #economics #inequality
2/7 💵 Low interest rates make borrowing cheaper.
This can benefit wealthy individuals and corporations who have access to credit, enabling them to invest in businesses, real estate, and other assets that can generate wealth. #interestrates #wealthgap
This can benefit wealthy individuals and corporations who have access to credit, enabling them to invest in businesses, real estate, and other assets that can generate wealth. #interestrates #wealthgap
3/7 🏦 For ordinary Americans, however, low interest rates can mean reduced returns on savings.
With little to no growth on their savings, it becomes harder for the middle class to build wealth. #savings #middleclass
With little to no growth on their savings, it becomes harder for the middle class to build wealth. #savings #middleclass
1/10 *Thread* 🧵
🚀 US Labor Market: May payrolls rise by 339K, surpassing the 190K Dow Jones estimate, and marking the 29th straight month of positive job growth. Unemployment rate increases slightly to 3.7% - still near the lowest since 1969. #LaborMarket #JobGrowth
🚀 US Labor Market: May payrolls rise by 339K, surpassing the 190K Dow Jones estimate, and marking the 29th straight month of positive job growth. Unemployment rate increases slightly to 3.7% - still near the lowest since 1969. #LaborMarket #JobGrowth
2/10
📈 This surge in job creation reveals a resilient labor market despite various challenges. Average hourly earnings, a key inflation indicator, rose 0.3% for the month, and wages increased 4.3% annually. #EconomicGrowth #Inflation
📈 This surge in job creation reveals a resilient labor market despite various challenges. Average hourly earnings, a key inflation indicator, rose 0.3% for the month, and wages increased 4.3% annually. #EconomicGrowth #Inflation
3/10
💼 Job creation is led by professional and business services (64K new hires), followed by government (56K) and healthcare (52K). Other notable sectors include leisure and hospitality (48K), construction (25K), and transportation and warehousing (24K). #JobCreation
💼 Job creation is led by professional and business services (64K new hires), followed by government (56K) and healthcare (52K). Other notable sectors include leisure and hospitality (48K), construction (25K), and transportation and warehousing (24K). #JobCreation
1/15 *Thread*🧵US Housing Market 2023: An investors outlook🏠
Key trend: Low supply, strong demand. Let's explore why investing in this market cycle could yield strong returns.
#USHousingMarket #RealEstateInvesting #EconomicTrends
Key trend: Low supply, strong demand. Let's explore why investing in this market cycle could yield strong returns.
#USHousingMarket #RealEstateInvesting #EconomicTrends
2/15
US added 339,000 jobs in May '23, surpassing predictions of 190,000. Unemployment rate is at a near 50-year low despite being up to 3.7%, above the 3.5% forecast. A robust labor market is fundamental to a thriving housing market.
#JobsReport #Unemployment
US added 339,000 jobs in May '23, surpassing predictions of 190,000. Unemployment rate is at a near 50-year low despite being up to 3.7%, above the 3.5% forecast. A robust labor market is fundamental to a thriving housing market.
#JobsReport #Unemployment
3/15 Interest rates are rising fast, yet the labor market is holding strong. The strong labor market translates into steady demand for housing, maintaining a positive outlook for property investors.
#InterestRates #LaborMarket
#InterestRates #LaborMarket
🔺 Real Estate Giant Defaults on over $1.1B in Debt 🔺
Brookfield, a major real estate firm, is facing huge losses in its Downtown L.A. office portfolio, defaulting on over $1.1B in related debt. #RealEstate #LosAngeles
Brookfield, a major real estate firm, is facing huge losses in its Downtown L.A. office portfolio, defaulting on over $1.1B in related debt. #RealEstate #LosAngeles
🏢 The company has lost two prominent assets, the Gas Company Tower and EY Plaza, to court-appointed receivers as the pandemic continues to challenge the office real estate market. #Pandemic #RemoteWork
📉 #Brookfield's Downtown L.A. office portfolio saw occupancy drop to 77.2% at the end of 2021, and around 30% of all office space in the area is now vacant. #OfficeSpace
1/14 - 🚨WHAT HAPPENS IF THE US DEFAULTS⁉️
A default on the US debt ceiling would have profound implications. This historic event could trigger economic shocks and disrupt global financial stability. Let’s talk about it!#DebtCeilingDefault #GlobalFinancialStability
A default on the US debt ceiling would have profound implications. This historic event could trigger economic shocks and disrupt global financial stability. Let’s talk about it!#DebtCeilingDefault #GlobalFinancialStability
2/14
History teaches us that financial crises can affect military readiness and operations. A default could hamper US strategic alliances, similar to the effects of the Great Depression. #HistoricalLessons #MilitaryReadiness
History teaches us that financial crises can affect military readiness and operations. A default could hamper US strategic alliances, similar to the effects of the Great Depression. #HistoricalLessons #MilitaryReadiness
3/14
A default could also jeopardize trust in US Treasury bonds, a cornerstone of the global economy. The result? Skyrocketing interest rates and a weakened dollar. #TrustInBonds #DebtCeiling
A default could also jeopardize trust in US Treasury bonds, a cornerstone of the global economy. The result? Skyrocketing interest rates and a weakened dollar. #TrustInBonds #DebtCeiling
What is the relationship between interest rates, financial stability, and the macroeconomy? In a three post series with
@ozgeakinci @BenignoGianluca Ethan Nourbash and @Albert_Queralto we look into this arguably timely question #interestrates #monetarypolicy #financialstability
@ozgeakinci @BenignoGianluca Ethan Nourbash and @Albert_Queralto we look into this arguably timely question #interestrates #monetarypolicy #financialstability
In the first post Financial Vulnerability and Macroeconomic Fragility we argue that the effects of an increase in interest rates on the macroeconomy depends on how vulnerable the financial system is libertystreeteconomics.newyorkfed.org/2023/05/financ… 2/n
We also propose a new measure of financial system vulnerability, the Financial (In)Stability Real Interest Rate, r**, based precisely on the question: How large an interest rate increase can the financial system take before entering a crisis?
newyorkfed.org/medialibrary/m… 3/n
newyorkfed.org/medialibrary/m… 3/n
🎉 Exciting news, folks! 🎉 I just saved more than INR 10 Lakhs with one straightforward phone call! 📞💰 Sounds unbelievable, right? Here's how it went down.
A quick thread for all you Home Loan customers out there (1/9).🏠💼 #HomeLoanSavings #Notafininfluencer
A quick thread for all you Home Loan customers out there (1/9).🏠💼 #HomeLoanSavings #Notafininfluencer
Let's rewind to a year ago, I applied for a home loan at an ROI of 6.55% per annum.📝 Everything was hunky-dory until the ROI decided to play its game and leapfrogged to 9.05% in just a year (Courtesy: I don't have to tell you) 2/9📈😧 #interestrates #hike
Fast forward to recently, during my application for a new home loan, the banker informed me about a scheme at HDFC. I was told that my current ROI can be reduced to a minimum of 8.35%! 3/9📉🏦 #HDFCScheme #HDFCHomeLoans
Today’s #CPI report continues to depict #inflation that is just too high for most people’s good, especially the @federalreserve’s.
In fact, the report showed that #inflation remains remarkably sticky, which doesn’t correspond to virtually any practical thinker’s timeline of when it might be expected to start to come down further.
These elevated levels of inflation continue to be remarkably high relative to the many months with which the #economy has now operated with persistently higher #InterestRates.
1/8 Global stock markets navigate uncertainties of interest rate hikes & inflation, with a focus on India. The world's sixth-largest economy faces robust growth & mounting inflationary pressures. #GlobalStockMarkets #IndiaEconomy
2/8 India's GDP growth rate reached 8.4% in 2021, but the Consumer Price Index (CPI) increased by 6.01%, breaching the RBI's target range. Rising global commodity prices, supply chain disruptions, & COVID-19 contribute to this surge. #IndiaGDP #Inflation
3/8 The RBI has maintained an accommodative stance, refraining from raising interest rates despite inflationary pressures, prioritizing growth in hopes that inflationary trends will prove transitory. #RBI #InterestRates
🧵 Poilievre's #misinformation saying the federal govt has done nothing on #housing is bogus. #Housingsupply is a primarily a Provincial & Municipal issue. During 2022 the federal govt has taken significant steps towards making housing more affordable for Canadians including:
#Budget2023 announces that financial institutions will be able to start offering the Tax-Free #FirstHomeSavingsAccount to Canadians as of April 1, 2023.
#Budget2023 announces the government's intention to support the reallocation of funding from the National Housing Co-Investment Fund's repair stream to its new construction stream, as needed, to boost the construction of new affordable homes for the Canadians who need them most
This is the start of Drip Drops Knowledge!
Remember to hit that follow button if you like the content.
#SPY #SPX $ES_F #QQQ #futurestrading #OptionsTrading #options
Remember to hit that follow button if you like the content.
#SPY #SPX $ES_F #QQQ #futurestrading #OptionsTrading #options
The first official Knowledge Drop. $GME reported earnings last night and is up over 50% this morning. A short float of 24% (as reported by #Ortex) might have something to do with that. Breakdown in slide, follow me for weekly Knowledge Drops!
#GME #ShortSqueeze
#GME #ShortSqueeze
Last week, I discussed the concept of a “short squeeze.” This week let’s look at the dynamics of dealer hedging and the concept of a “gamma squeeze.”
#ShortSqueeze #GammaSqueeze #SPY #SPX $ES
#ShortSqueeze #GammaSqueeze #SPY #SPX $ES
Confused about tax filing in India?
Don't worry, you're not alone!
Here are some essential Do's and Don'ts to help you file your taxes with ease!
A thread! (1/n)
#taxfiliing #tax #deductions #personalfinance #thread
Don't worry, you're not alone!
Here are some essential Do's and Don'ts to help you file your taxes with ease!
A thread! (1/n)
#taxfiliing #tax #deductions #personalfinance #thread
#1 Be On Time
Remember to file your tax returns on time. This can help you avoid penalties and legal issues with the Income Tax Department.
The deadline for filing taxes in India is usually July 31st. (2/n)
#taxreturns #taxes #incometax #directtax
Remember to file your tax returns on time. This can help you avoid penalties and legal issues with the Income Tax Department.
The deadline for filing taxes in India is usually July 31st. (2/n)
#taxreturns #taxes #incometax #directtax
#2 Disclose Necessary Infomation
Remember to disclose all your sources of income, including salary, rental income, interest, and capital gains while filing your tax returns to avoid penalties. (3/n)
#tax #salary #rentalincome #interest #capitalgains
Remember to disclose all your sources of income, including salary, rental income, interest, and capital gains while filing your tax returns to avoid penalties. (3/n)
#tax #salary #rentalincome #interest #capitalgains
Are you a Senior Citizen looking to secure your Retirement and generate regular income?
Let's explore the Top investment avenues that offer stability & security! (1/n)
#seniorcitizen #investment #retirement #fixedincome
Let's explore the Top investment avenues that offer stability & security! (1/n)
#seniorcitizen #investment #retirement #fixedincome
As we grow older, it's important to plan for retirement and consider investment options that offer stability and security.
Here are a few Investment avenues that offer capital preservation and regular income. (2/n)
#retirementplanning #investment #income
Here are a few Investment avenues that offer capital preservation and regular income. (2/n)
#retirementplanning #investment #income
#1 Senior Citizen Savings Scheme (SCSS)
SCSS is a popular investment option for individuals above the age of 60.
It offers an interest rate of 8% p.a., which is higher than most fixed deposits and has a tenure of 5 years. The interest is payable quarterly. (3/n)
#SeniorCitizen
SCSS is a popular investment option for individuals above the age of 60.
It offers an interest rate of 8% p.a., which is higher than most fixed deposits and has a tenure of 5 years. The interest is payable quarterly. (3/n)
#SeniorCitizen
"Make Canada Work for People Who've Done the Work" @PierrePoilievre who voted against #CERB shares a press release amending the budget that reflects zero compassion for low income earners and the #disabled
A re-elected Liberal government will:
Continue to ensure that secondary earners—mostly women—can exclude up to $14,000 of their working income when income-testing the #CanadaWorkersBenefit, so that families can receive up to $2,400.
canada.ca/en/revenue-age…
Continue to ensure that secondary earners—mostly women—can exclude up to $14,000 of their working income when income-testing the #CanadaWorkersBenefit, so that families can receive up to $2,400.
canada.ca/en/revenue-age…
1/2 You can read abut the Liberal Party Policies for disabled people at liberal.ca/our-platform/d… #CanadaDisabilityBenefitAct was unanimously adopted Febeuary 2, 2023 as a federal income supplement for working-age persons with disabilities.
Here is this Week’s Market Wrap
'Banking on a Collapse' written by @shyamsek
A Thread (1/n)
#Banking #SiliconValleyBank #SVBCollapse #marketwrap
'Banking on a Collapse' written by @shyamsek
A Thread (1/n)
#Banking #SiliconValleyBank #SVBCollapse #marketwrap
One week is a long time in global banking. Or, so it seems if one goes by the latest inflation and interest rate commentary of the federal reserve Chairman Jerome Powell. (2/n)
#banking #inflation #interestrates
#banking #inflation #interestrates
The Silicon Valley bank collapse has almost caused a setting for a rapid reset of the interest rate trajectory in the US. (3/n)
#SiliconValleyBank #SVBCollapse #interestrates
#SiliconValleyBank #SVBCollapse #interestrates
🗓 Daily #Macro & Market Recap 📰 Let's dive into a quick thread recapping some of today's market moving events 🗞, data 📝, & charts 📈📉 for Friday (03/03/23)… 🧵/👇🏼
$SPY $SPX ⬆️✅
$QQQ $NDX ⬆️✅
$DIA $DJIA ⬆️✅
$IWM $RUT ⬆️✅
#stocks #StockMarket #bonds #macro
$SPY $SPX ⬆️✅
$QQQ $NDX ⬆️✅
$DIA $DJIA ⬆️✅
$IWM $RUT ⬆️✅
#stocks #StockMarket #bonds #macro
1/🧵 Daily #StockMarket Sector Performance:
🍽 $XLP ⬆️✅
🏥 $XLV ⬆️✅
🏘 $XLRE ⬆️✅
📡 $XLC ⬆️✅
🛢 $XLE ⬆️✅
🏭 $XLI ⬆️✅
🤖 $XLK ⬆️✅
🏨 $XLY ⬆️✅
🏦 $XLF ⬆️✅
🪵 $XLB ⬆️✅
⚡️ $XLU ⬆️✅
🍽 $XLP ⬆️✅
🏥 $XLV ⬆️✅
🏘 $XLRE ⬆️✅
📡 $XLC ⬆️✅
🛢 $XLE ⬆️✅
🏭 $XLI ⬆️✅
🤖 $XLK ⬆️✅
🏨 $XLY ⬆️✅
🏦 $XLF ⬆️✅
🪵 $XLB ⬆️✅
⚡️ $XLU ⬆️✅
2/🧵 Daily 🇺🇸 🏦 Treasury Market & Currency Performance: 💵💴💶💷
$DXY ⬆️✅
$TLT ⬆️✅
$HYG ⬆️✅
3mo ⬆️✅
2yr ⬇️🔻
10yr ⬆️✅
30yr ⬆️✅
#bonds #interestrates #Currencies #macro
$DXY ⬆️✅
$TLT ⬆️✅
$HYG ⬆️✅
3mo ⬆️✅
2yr ⬇️🔻
10yr ⬆️✅
30yr ⬆️✅
#bonds #interestrates #Currencies #macro
Almost every millennial aspires to retire early. But most of the time, this goal seems almost impossible to achieve.
Well, let us tell you... it's NOT impossible! Welcome to the world of FIRE! (1/n)
#financialplanning #financialgoals #retireearly #thread
Well, let us tell you... it's NOT impossible! Welcome to the world of FIRE! (1/n)
#financialplanning #financialgoals #retireearly #thread
So, what is FIRE?
FIRE stands for Financial Independence Retire Early and it's all about achieving financial freedom so that you can retire early and live life on your own terms. (2/n)
#financialindependence #financialfreedom #retirementplanning
FIRE stands for Financial Independence Retire Early and it's all about achieving financial freedom so that you can retire early and live life on your own terms. (2/n)
#financialindependence #financialfreedom #retirementplanning
Can you achieve FIRE in India?
Yes, you can!
Firstly, you need to focus on your Savings Rate (SR). This means cutting back on unnecessary expenses and living below your means.
A high SR is key to achieving financial independence. (3/n)
#saving #investing #FinancialFreedom
Yes, you can!
Firstly, you need to focus on your Savings Rate (SR). This means cutting back on unnecessary expenses and living below your means.
A high SR is key to achieving financial independence. (3/n)
#saving #investing #FinancialFreedom
@PierrePoilievre's dishonest and shameful 'blame it all on Trudeau' campaign for things the PM does not control rages on. In fact, the PM does not control #foodpricing, #fueloilpricing, #rentpricing, #mortgagepaymentpricing or #interestrates in Canada.
IMO @PierrePoilievre 's dishonourable rhetoric on rising food, gas, oil prices, interest rates & rents is evidence of intent to deceive.
Why doesn't the media challenge him to provide alternative proposals instead of publishing his attacks on Trudeau for things he can't control?
Why doesn't the media challenge him to provide alternative proposals instead of publishing his attacks on Trudeau for things he can't control?
@PierrePoilievre knows that #groceryprices result from factors that include yields, weather, wildfires, drought, global supply chain problems and grocery chain price gouging, etc. Implying otherwise is #misinformation.
The Nifty Financial Services Index, also known as the #FinNifty, is an index that tracks the performance of the financial services sector in India. @bbrijesh explains about the index in detail.
#FinNifty is an index that tracks the performance of the financial services sector in India, which includes #banks, #insurance companies, #housingfinance, and Non-Banking Financial Companies (NBFCs). #FinancialServicesSector #India
The financial services sector in India is one of the largest and most diverse in the world, and FinNifty provides a way to track the performance of this sector. #FinancialServicesSector #GrowthPotential
#cdnpoli 🧵@JustinTrudeu
does NOT set #fueloilprices and @PierrePoilievre
knows that. We live in a democracy, not a totalitarian state. The price of oil is set in the global marketplace so the supply/demand balance determines the price of O&G products around the world.
does NOT set #fueloilprices and @PierrePoilievre
knows that. We live in a democracy, not a totalitarian state. The price of oil is set in the global marketplace so the supply/demand balance determines the price of O&G products around the world.
The Canadian government has constitutional authority to regulate gasoline prices only in an emergency. However, provinces and territories can regulate prices, and Quebec and the Atlantic provinces do so.
consumerscouncil.com
consumerscouncil.com
@JustinTrudeau does NOT set #groceryprices and
@PierrePoilievre knows that. They result from factors that include yields, wildfires, drought, global supply chain problems and grocery chain price gouging, etc. Implying otherwise is #misinformation.
@PierrePoilievre knows that. They result from factors that include yields, wildfires, drought, global supply chain problems and grocery chain price gouging, etc. Implying otherwise is #misinformation.
Why are savings rates stuck at 3.5%? Despite being deregulated in Oct 2011, banks have stuck to 3.5-4% over the past decade. Some exceptions existed such as Kotak Mahindra's 811 account which offered 6% in 2017 and 5% from 2018-2020. But these have also disappeared over time.
In today's era of rising rates, this is a free lunch for banks. The lunch was a tiny snack in 2020-21 when rates were cut. Moving money to an FD wasn't that rewarding. You got maybe 1-2% more. Today, that free lunch is a buffet. Savings rates are half of FD rates of even 1 year.
The same gap exists with returns of money market funds. In both cases you give up some liquidity. In case of FDs, a sudden need for money will mean breaking it and losing interest (note sweep-in sweep-out FDs can sort this out).
Here are some highlights from the Voices of Tomorrow Bangalore Chapter! (1/n)
#VoicesofTomorrow #VoT2023 #ithoughtVoT #ithoughtVoT2023
#VoicesofTomorrow #VoT2023 #ithoughtVoT #ithoughtVoT2023
Session #01
ithought Way – The Journey by Mr Shyam Sekhar
Mr @shyamsek answers the question, ‘What pain points does ithought address & solve?’ (2/n)
#ithought #portfoliomanagement #financialplanning
ithought Way – The Journey by Mr Shyam Sekhar
Mr @shyamsek answers the question, ‘What pain points does ithought address & solve?’ (2/n)
#ithought #portfoliomanagement #financialplanning
“We want to make Millennials as $ Millionaires – a well-managed wealth corpus for the 90’s born.” - @shyamsek on what ithought wants to accomplish.
Watch Mr Shyam Sekhar’s talk ‘ithought Way – The Journey’ here youtube.com/live/Gyg3D2djS… (3/n)
#investors #investearly
Watch Mr Shyam Sekhar’s talk ‘ithought Way – The Journey’ here youtube.com/live/Gyg3D2djS… (3/n)
#investors #investearly
Here is this Week’s Market Wrap!
Time to Build a Multi-Asset Portfolio
A Thread! (1/n)
#multiasset #portfoliomanagement #marketwrap #thread
Time to Build a Multi-Asset Portfolio
A Thread! (1/n)
#multiasset #portfoliomanagement #marketwrap #thread
Most investors have been favouring equity for the last 2 years. Recency bias nudges investors to think that equity is the only asset class to bet on.
It is this bias that kept investors from buying gold. (2/n)
#investors #equity #stockmarket #gold
It is this bias that kept investors from buying gold. (2/n)
#investors #equity #stockmarket #gold
Investors thought that gold wouldn’t do well. The post-COVID rally in #cryptos spooked the prospects of gold & added to that conviction. But that conviction has proved to be short-lived, and gold did exceptionally well in 2022. (3/n)
#gold #investments #personalfinance
#gold #investments #personalfinance
Look, the tabloid responses are easy. And no-one likes the pain caused by rate rises. But here's the thing:
1. Inflation, left to spiral, will destroy our standard of living.
2. Higher rates, temporarily, beat higher prices, permanently
3. Of course it's painful.
1/n
1. Inflation, left to spiral, will destroy our standard of living.
2. Higher rates, temporarily, beat higher prices, permanently
3. Of course it's painful.
1/n
4. It's also unfair that the burden falls where it does
5. The RBA has few other options: either high inflation or high rates
6. The choice is easy (see 1. and 2. above)
2/n
5. The RBA has few other options: either high inflation or high rates
6. The choice is easy (see 1. and 2. above)
2/n
7. 'Avoiding pain' for households is a seductive idea, but it's a non-starter -- the pain is either higher prices or higher rates. There's no Door #3.
8. Parliaments can do more. They should do more. But in the meantime, the RBA has no other options.
3/n
8. Parliaments can do more. They should do more. But in the meantime, the RBA has no other options.
3/n
