Interest Rates - What If Lower Is Not Possible Anymore?
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- Опубліковано 9 лют 2025
- Financial asset bubbles start and end with interest rates. Everybody wants lower interest rates but at some point in time, the credit bubble will pop, artificial rates will go, and things will revert.
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We’ve had a decade of ultra low rates, and now it seems like the bubble is ready to burst. Cheap credit has driven up asset prices to unsustainable levels. At some point, reality has to set in. People forget that asset bubbles usually start and end with interest rates
Yeah, and the problem is that people have gotten so used to borrowing cheap money that they’ve built entire investment strategies around it. Real estate, stocks, even corporate debt markets are all inflated because of this low-rate environment. If rates keep going up or just stabilize at these higher levels, it’s going to pop a lot of bubbles
it’s almost like a game of musical chairs. As long as the music’s playing, everything’s fine. But once it stops when those low rates are no longer possible, we’ll see who’s been overexposed. We’ve been living in this artificial environment where money is cheap, and that’s created distortions in asset prices across the board
Right, and there’s only so much central banks can do. They can’t keep rates artificially low forever, or we end up with inflation, which is already starting to creep up. But if they raise rates too fast, it could trigger a financial crisis. It’s a delicate balance, and I don’t think many investors are prepared for what happens when the credit bubble bursts
That’s exactly why I think working with a finance advisor is so critical right now. I’ve been managing my own investments for years, but I realized I was in way over my head with all these macroeconomic shifts. Last year, I decided to hire a finance advisor, and honestly, it was the best decision I made. My portfolio has gone up exponentially
I’m trying to get an advisor for guidance but it’s harder than you think. Anyone who is free based is hard to find and usually have a heavy workload. Would you be comfortable sharing a recommendation if it’s not too much trouble
I am really worried about the current crisis/interest rates, these are all the signs of yet another 2008 market crash 2.0 , so my question is do I still save in the United States dollar or is this a good time to buy gold?
It’s always a good option to keep some gold. Well with the current market situation and everything at stake with the present economy, I’d say you’re better off staying away from stocks fr awhile or better still reach out to an adviser for guidance.
A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.
Jessica Dawn Walters has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration..
Thank you for this tip. it was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her résumé.
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One of the most well-known people in her field is my CFA, Melanie Lasser.. I suggest looking into her qualifications in more detail. With her extensive knowledge, she is a great help to anyone trying to understand the financial market.Investment
Ms Melanie Lasser trading is the best way of making money in the market due to lack of experience which resulted in loosing funds.But miss Melanie Lasser, restored hope shes a good woman
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You work for 42yrs to have $2m in your retirement, Meanwhile some people are putting just $20k in a meme coin for just few months and now they are multi millionaires I pray that anyone who reads this will be successful in life
How did you manage to achieve that level of growth? I've been trying everything I can to improve my investments, l want to retire in a few years and I need a better diversification
It's Charlotte Gina Miller doing, she's changed my life.
The first time we had tried, we invested €14,000 and after a week we received €50,230. That really helped us a lot to pay our bills.
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My portfolio is made up of positions in $NVDA 125k, $VOO 80k, $SCHD 77k and $PLTR 60k. Looking to add growth in A.I stocks before retirement. Any suggestions that would complete the existing positions?
Meta investors have made a killing in the past two years, with the stock up 480%. But having an investment advisor is the best approach to the stock market right now. I was going solo without much success until my wife introduced me to an advisor. I've achieved over 80% capital growth by the end of last year, excluding dividends
I'm trying to find a certified one to boost my investments/portfolio, but it's tough online. Can I get a rec from you, since you know about this stuff?
My FA is Gabriel Alberto William, a renowned figure in his line of work. I recommend researching his credentials further. He has many years of experience and is a valuable resource for anyone looking to navigate the financial market
Thank you for this Pointer, I just looked him up on the web and I would say he really has an impressive background in investing. I will write him an e-mail shortly
EZB lowered Rates by 2% while Gov.Bonds from Italy went from 3.9 to like 3.5. Germany even went up like 0.3%.
EZB is buying Italian Bonds and selling german. Are we screwed already?
I think somebody should tell Europeans that monetary policy can't save them or make them life better...
Love your videos Sven! Thanks for sharing every day. I look forward to them!🙏🏽👍🏽👌🏼
Market declines, soaring inflation, a significant increase in interest rates by the Fed, and rising Treasury yields all point to additional losses for portfolios this quarter. How can I profit from the present market turbulence? I'm still debating whether to sell my $125k ETF/Growth Stock portfolio.
Concentrate on two main objectives. First, keep yourself safe by knowing when to sell stocks in order to limit losses and maximize gains. Second, get ready to benefit from market changes. I advise consulting a coach or other professional for advice.
Yes, I have been in touch with a coach ever since the outbreak. Today, investing in hot stocks is quite easy; the difficult part is deciding when to buy and sell. With an initial starting reserve of $80k, my adviser chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
my 401k growth has been stagnant since the 2019. I wouldn't mind consulting the advisor who guides you, I really want to grow my retirement fund since I could retire in 3 years.
The stock market is without a doubt the awkward teenager with the most extreme mood swings! I started out with a commentator named “ Annette Christine Conte ” Her honest approach gives me complete ownership and control over my position, and her rates are incredibly affordable given my ROI.
Thanks, I just googled her and I'm really impressed with her credentials. I reached out to her since I need all the assistance I can get.
thanks as always for the great analysis! on the samsung side.... p/b is currently lower than 1! Great opportunity?
Have to vheck
Decades of zero interest rate policy destroyed Japan. Countries always do better with higher interest rates not lower interest rates.
What are the best strategies to protect my portfolio? I've heard that a downturn will devastate the financial market, so I'm concerned about my $200k stock portfolio.
There are strategies that could be put in place for solid gains regardless of economy situation, but such execution is usually carried out by pro and an investment specialist.
I totally agree with you. I started out investing on my own too and lost quite a bit. After the 2020 crash, I managed to pull out about $160k. I then invested that money with an analyst, and in just seven months, I made almost $380,000. It's amazing how having the right guidance can turn things around!
Could you kindly elaborate on the advisor's background and qualifications?
Judith B. Richards a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
I just looked up her website on google and I would say she really has an impressive background in investing. I have sent her an email hope she gets back to me soon. Thanks
Thanks Mate, the sad truth is that no one has a clue, we all react to what happens as it happens and try to analyse it but can’t predict an iota of what is going to unfold in the markets… content creators are like amplifiers, when times are good they affirm it and try to tell you why it’s good and that it’s looking bullish but then all of a sudden the market turns bearish and everyone affirms it again and try to analyse why… it’s so sad that many are so powerless and it's not about guessing the market's next move; it's about playing it smart and steady during trading...managed to grow a nest egg of around 2.3Bitcoin to a decent 19Bitcoin in the space of a few months... I'm especially grateful to Seren Wintersun, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape.
SHE IS ON TELE GRAM.
@Serenwintersun
The best time to invest in any crypto was the first time you heard of it. The second best time is now that you are realising you didn't invest earlier before. The most important thing is that investors are making money on a daily basis…
Traders are often driven by emotion rather than logic or serious calculations. There are also special terms to describe this phenomenon This is called FOMO or the fear of missing out as a beginner, I was very scared and emotional until I came into contact with Seren Wintersun..
This is exactly what Big time investors are talking about, not just you. key thing here is to always trades with a good strategy even if the price goes up or down.
Thank you Sven, what do you think about Halliburton and Schlumberger?
Very good Sven , I like this subject around fed and rates
low interest rates, market went up,
high interest rates, market went up.
???
it is what it is, let's see, nothing is linear!
Hello Sven, any chance you can give FL another look and or HPQ , would they fit in your quadrant or are they not cheap enough yet ?
I just switched up my Roth IRA to 50% SCHD, 25% SCHX, 25% SCHG, and my Roth 401k is 70% vanguard S&P 500 index, 20% vanguard growth index, and 10% vanguard international index. Seeking best possible ways to grow $350k into $1m+ before retirement, I'm 55.
Those sound like great picks! consider financial advisory so you don’t keep switching it up, top 3 payers for the month were $OHI, $KMI, and $EDP... not bad for 350k
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a CFA, even though I was skeptical at first, and I beat the market by more than 14.3%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an advisor.
How can I participate in this? I aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Jessica Dawn Walters” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance
How is ADM doing?
It's getting closer and closer to buying territory.
3:05 Best assistant professor.
🇨🇦
Hey sven, do you think the doge cuts could be large enough to create deflationary pressure?
Very good question : France is in a big shi t (I am french so I know the situation)
If the german polls are fake and Afd will take majority, hope our Lord could protect us.
... nations being in the "shi t" appears to be the one true equality in the world today ... ( I am British)
Yeah because we all got old and started demanding pensions and healthcare from our governments. Very expensive
@@SuperLuckyLad
France just needs some reforms of social programs and they'll be fine. They just hate the free market too much
print, baby, print!
"No on can predict interest rates" -- Peter Lynch
I rate him 😂😂😂
Everyone can predict interest rates. That doesn't include predicting them right.
My wife is already panicking, so many questions! will the rate cut lead to inflation? I'm very worried about my $1million stock portfolio losing value. Do i move to 100% cash? What strategies should I be employing in my portfolio right now?
This is the what people that handle their portfolio themselves go through. I will advice you get yourself some professional advisor to help you redistribute assets in your portfolio.
I've been through the 'bonds are beating stocks' periods since the 90s with no bonds and with all aggressive stock mutual funds.
At 66, my IRA and cash accounts are far more than I expected for my retirement. I can easily handle a worst-case stock crash, Thanks to my advisor.
How can I reach this adviser of yours? because I'm seeking for a more effective investment approach on my savings
There are a lot of independent advisors you might look into. But i work with Lisa Grace Myer’ and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her.
I just looked up Lisa online and researched her accreditation. She seem very proficient, I wrote her detailing my Fin-market goals.
Very interesting topic, one could only presume that we will hear more and more about this in the coming year(s).
I've restructured my whole portfolio from growth and high-PE companies to value investments instead. The previous strategy served me well during 2024, but now I'm getting seriously mindful about where we are along the "fuse". Also, discussions from the US about changing FED management to better fit their view of what the population need is concerning , to say the least.
Could you help me understand the sources you've used for the slides at 1:55 ?
Thanks!
As far as interest rates go, population aging is pushing them down (since old people consume less) while labour shortages and immigration concerns are pusing them up. Hence they will probably stay within a fairly narrow range. However, most of the money in bonds and equities over the last half century have been due to steadily falling interest rates. Hence, making money is likely to get tougher and more complicated.
Hello sven i wonder if you could make a video on Fedex stock
fedex, UPS, in comparison with DHL too...
Throw in PostNL to show how it's not done.
what's your opinion on PLTR? 😆
i have no opinion :( not following
Hey Sven, thanks for the video, great content as always. There is a container shipping company based in Oslo, named MPC Container Ships. I think it’s a great company (growing in quality, gaining market position, amazing management and fleet rotation model freeing up free cash flow as well as a somewhat consistent dividend strategy). The company seems cheap and,even though shipping market is a cyclical one and I rhink it stand at high levels of the cycle, I would love a video of your opinion/analysis of this company.
thanks for suggesting, I find it still difficult to invest in shipping...
The almost 2.5% real yield on 30Y TIPS would be attractive, if the CPI weren't cooked up...
In Hungary, we only have Interactive Brokers with a €20,000 fund protection. If a market bubble bursts, I fear that IBKR might go bankrupt, and I could lose my money. What are your thoughts on brokerage risk?
Low interest rates keep inefficient corporations alive that are using resources that would be better used by other organizations. Thats a allocation problem.
If interest rate does not lower, then we will impose 25% on interest ratia until we are treated fairly.
Well, the fed can buy Treasury and keep short interest rate high. Yield control.
what does this "bad" inflation of 4-5% to the debt of the states? isnt that not a good process for shrinking the debt?
Yes go even higher 6-8%. Very good to reduce debt. But it also steals money from grandmom who worked 50 years hard and put it on her bank account
@@psxtuneservice not a government problem
Yes, but inflation means higher prices which means people will spend less.
These politicians who think they now everything about the economy and interest rates don't have the slightest clue
ADM -3% / Palantir +22% The market picks the winner...
This is not a trading channel, I advise prudence for the upcoming years
go have fun with the markets then!
The market is a gambling machine in the short term and a weighing machine in the long term.
Sooooo either naive or malignantly deceptive
@@Value-Investingsven i have both adm und palantir in my Portfolio. Sometimes you have to go with the market. Same thing happend to me with super Micro Computer: +840% in 12 months…
What is the best strategy to make Consistent profits with cryptocurrencies??
Get yourself someone who understands the market very well and is also professional in the placement of trades. that's the key
My professional trader is Ms. Olivia
Mej
You are right. I have lost a lot trading alone and without quidance. It has been a difficult road for me.
Ms Olivia changed my financial situation for the better thank you very much to my aunt who introduced her to me she's great
I would recommend Olivia Mej, her returns are excellent evern when there is a drop.
I have headache. . Looks like I missed few semesters on economy mumble jumble.
You know, with the way things are going, I’m starting to wonder-what if lower interest rates just aren’t possible anymore?
Honestly, that’s a valid concern. The economy has been unpredictable, and central banks are being cautious. Even if they do lower rates, it won’t be as dramatic as people hope.
Exactly! And that’s why it’s so important to have a solid financial strategy in place. You can’t just rely on the market shifting in your favor-you need a plan that works no matter what happens.
That’s why I got a financial advisor. I needed someone who could navigate all these economic changes without me constantly stressing about it.
Oh really? Who are you working with?
Her name is Donna Lynn Herme. She’s been managing my assets and investments, and I can honestly say she’s been a game-changer for me.
I see the rising interest rate as a very big problem, as more investors will definitely pull out more money from the Stock market. This might have worked when I was still invest-ing with a couple thousand dollars, but it is more difficult now to decide whether to pull out more than $365k from my port-folio. I know some inves-tors still make that despite the strong bear market. In wish I could pull that feat
I think the whole thing about holding stocks for long term will always apply. So I think you should get a quality broker who is able to analyze and pick stocks that will do well in the long term, else you will be in a long bear ride.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a broker, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.
This sound interesting. I’m not really one to use pro analysts, but I guess it would not hurt to try one. My portfolio is in the red waters right now
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Lisa Grace Myer” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you for this tip. It was easy to find your coach on web. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
You say that low rates cause inflation. In that case why has there been no inflation in the previous decade despite the ridiculously low rates? Why was Japan unable to cause inflation even with negative rates?
nothing is linear, Japan economy hasn't really been doing great and purchasing power is declining. Try getting a cab in Tokyo and see how much it costs in USD...
In canada. Low rates has exploded real estate prices and robbed our youth of their future.
There was inflation but it took a while to show as we were coming out of a big recession.
Switch asap from invest to save and safe guard your riches.
We don't print money. We coin money. We print debt. Debt is not money. Gold and silver is money. IOUs are debt. I owe you. Measure in honest money, gold, and realize Dow was 18 ounces in 1929 and still is in 2024. Houses peaked in 1970 at 1,000 ounces of gold, now 210 ounces of gold. Stocks are down 64% from AD 2,000 measured in honest gold ounces. Down from 42 ounces to 15 ounces for the Dow. IOUs are not money. Money has value. IOUs are speculation. Price. Debt is not money.
Interesting food for thought! My conclusion: capitalism is unsustainable.
Trump was selected to give the introduction to the Technocracy
Reply
I’ve been saving for a long time instead of investing, and right now I only have about $516k. I'm not sure how to make it grow, considering all the inflation, into something substantial that I might use for retirement. I’m just here for ideas
At a point like this, its best recommended you seek the services of an advisor, as this allows you make smarter investing decisions.
Straight up, I'm in line with having an advisor oversee my day-to-day investing cos, my job doesn't permit me the time to analyze stocks myself. Thankfully, my portfolio has 3X in 5 years, summing up nearly $1m as of today.
this is huge! mind revealing info of your advisor here please? in dire need of proper asset allocation
I've stuck with ''SONIA NUNES DEMELO'' since the covid-crash of 2020, and her performance has been impressive to date. She’s quite renowned in her field with over two decades of experience, you can simply look her up.
Thanks for the info. I searched for her full name and found her website right away. I reviewed her credentials and did my research before reaching out to her.
I see the rising interest rate as a very big problem, as more investors will definitely pull out more money from the Stock market. This might have worked when I was still invest-ing with a couple thousand dollars, but it is more difficult now to decide whether to pull out more than $365k from my port-folio. I know some inves-tors still make that despite the strong bear market. In wish I could pull that feat
I think the whole thing about holding stocks for long term will always apply. So I think you should get a quality broker who is able to analyze and pick stocks that will do well in the long term, else you will be in a long bear ride.
You have a very valid point, I started investing on my own and for a long time, the market was really ripping me off. I decided to hire a broker, even though I was skeptical at first, and I beat the market by more than 9%. I thought it was a fluke until it happened two years in a row, and so I’ve been sticking to investing via an analyst.
This sound interesting. I’m not really one to use pro analysts, but I guess it would not hurt to try one. My portfolio is in the red waters right now
Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Jessica Dawn Walters” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.
Thank you for this tip. It was easy to find your coach on web. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.