Investors may face a trade-off when choosing between economic, social, and governance (ESG) benefits and the return on investment. Almost half of investors surveyed in 2021 noted they would not accept a lower rate of return in exchange for ESG benefits. One in ***** investors stated they would accept a drop of or below 100 basis points (one percent) in their rate of return. Meanwhile, ***** percent of investors were willing to receive a reduction of *** bps (five percent) on their return on investment in return for ESG-related benefits.

Basis points (bps) is a unit of measurement for interest rates and other percentages used in finance. One percent is equal to 100 basis points.

After a period of gradual decline, the average annual rate on a 30-year fixed-rate mortgage in the United States rose to **** percent in 2023, up from the record-low **** percent in 2021. In 2024, interest rates declined slightly. The rate for 15-year fixed mortgages and five-year ARM mortgages followed a similar trend. This was a result of the Federal Reserve increasing the bank rate - a measure introduced to tackle the rising inflation. U.S. home prices going through the roof Mortgage rates have a strong impact on the market – the lower the rate, the lower the loan repayment. The rate on a 30-year fixed-rate mortgage decreasing after the Great Recession has stimulated the market and boosted home sales. Another problem consumers face is the fact that house prices are rising at an unaffordable level. The median sales price of a new home sold surged in 2021, while the median weekly earnings of a full-time employee maintained a more moderate increase. What are the differences between 15-year and 30-year mortgages? Two of the most popular loan terms available to homebuyers are the 15-year fixed-rate mortgage and the 30-year fixed-rate mortgage. The 30-year option appeals to more consumers because the repayment is spread out over 30 years, meaning the monthly payments are lower. Consumers choosing the 15-year option will have to pay higher monthly payments but benefit from lower interest rates.

The benchmark interest rate in Sweden was last recorded at 2 percent. This dataset provides the latest reported value for - Sweden Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Venezuela Social Security Benefits: Lending Rate data was reported at 20.840 % pa in Oct 2018. This records a decrease from the previous number of 21.900 % pa for Sep 2018. Venezuela Social Security Benefits: Lending Rate data is updated monthly, averaging 20.685 % pa from Jul 1997 (Median) to Oct 2018, with 256 observations. The data reached an all-time high of 72.230 % pa in Sep 1998 and a record low of 13.830 % pa in Jun 2006. Venezuela Social Security Benefits: Lending Rate data remains active status in CEIC and is reported by Central Bank of Venezuela. The data is categorized under Global Database’s Venezuela – Table VE.M006: Social Security Interest Rate.

Residential Mortgage Loan Market Outlook

The global residential mortgage loan market size was valued at approximately USD 15 trillion in 2023 and is projected to reach around USD 25 trillion by 2032, growing at a compound annual growth rate (CAGR) of 6.1% over the forecast period. The primary growth drivers for this market include increasing urbanization, rising disposable incomes, and favorable government policies aimed at promoting home ownership.

One of the most significant factors contributing to the growth of the residential mortgage loan market is urbanization. As more people move to urban areas in search of better opportunities and living conditions, the demand for residential properties has surged. This urban migration has led to a corresponding increase in the demand for mortgage loans, as individuals seek financial assistance to purchase homes. Additionally, the trend of nuclear families is gaining traction, further boosting the demand for residential properties and, consequently, mortgage loans.

Rising disposable incomes and improved economic conditions have also played a crucial role in the expansion of the residential mortgage loan market. As people earn more, they are more likely to invest in real estate, viewing homeownership as a long-term investment and a means of financial security. Furthermore, low-interest rates on mortgage loans, driven by monetary policies of various countries, have made borrowing more affordable, encouraging more people to take out mortgage loans.

Government policies and initiatives aimed at promoting homeownership have significantly fueled the growth of the residential mortgage loan market. Many countries offer tax incentives, subsidies, and lower interest rates for first-time homebuyers and low-income groups. Such policies are designed to make homeownership more accessible and affordable, driving the demand for mortgage loans. Additionally, governments are increasingly collaborating with financial institutions to provide affordable housing solutions, further stimulating market growth.

On a regional level, North America and Europe have traditionally dominated the residential mortgage loan market due to their mature real estate markets and high homeownership rates. However, emerging economies in the Asia Pacific and Latin America regions are witnessing rapid growth in this sector. Factors such as increasing population, urbanization, and rising middle-class incomes are driving the demand for residential mortgage loans in these regions. Moreover, favorable government policies and a growing number of financial institutions offering mortgage products are further contributing to market expansion.

Type Analysis

The residential mortgage loan market is segmented by type into fixed-rate mortgages, adjustable-rate mortgages, interest-only mortgages, and others. Fixed-rate mortgages are the most popular type, owing to their stability and predictability. Borrowers prefer fixed-rate mortgages because they offer a consistent monthly payment plan, making it easier for them to budget and plan their finances. This stability is particularly appealing during times of economic uncertainty or fluctuating interest rates.

Adjustable-rate mortgages (ARMs), on the other hand, offer lower initial interest rates compared to fixed-rate mortgages. However, the rate can fluctuate based on market conditions, which can either be an advantage or a risk for borrowers. ARMs are often chosen by those who plan to sell or refinance their homes before the adjustable period begins. This type of mortgage is popular among borrowers who are willing to take a risk for the potential benefit of lower initial costs.

Interest-only mortgages allow borrowers to pay only the interest on the loan for a specified period, usually between five to ten years. After this period, the borrower must start paying both the principal and the interest, resulting in higher monthly payments. Interest-only mortgages are typically utilized by investors or those expecting a significant increase in income in the future. This type allows for lower initial payments, providing greater cash flow flexibility in the short term.

The 'Others' category includes various specialized mortgage products tailored to meet specific borrower needs. These can include reverse mortgages, which allow seniors to convert part of their home equity into cash, and jumbo loans, which cater to borrowers looking to finance luxury homes that exceed conforming loan limits. The diversity in mortgage types ensures that there are suitab

Gold Loan Market Outlook

The global gold loan market size was valued at approximately USD 140 billion in 2023 and is projected to reach USD 260 billion by 2032, growing at a compound annual growth rate (CAGR) of 7%. This substantial growth is driven by factors such as increasing awareness and acceptance of gold loans, the rising price of gold, and the need for quick and easy financing solutions. Gold loans have become an increasingly popular financial instrument, especially in regions where gold holds cultural and economic significance.

One of the primary growth factors for the gold loan market is the rising price of gold. As gold prices increase, the value of collateral used in gold loans also rises, making it an attractive option for both lenders and borrowers. Additionally, economic uncertainties and volatile financial markets have led individuals and businesses to seek safer investment options, further enhancing the appeal of gold loans. This has driven significant growth in the market as more people turn to gold as a reliable asset for securing loans.

Another significant growth driver is the increasing awareness and acceptance of gold loans among various demographics. Traditionally, gold loans were more popular in rural areas, but over the past few years, there has been a noticeable shift in urban and semi-urban regions as well. Financial institutions and fintech companies have played a crucial role in educating consumers about the benefits of gold loans, including lower interest rates compared to other unsecured loans, quick disbursement, and minimal documentation requirements. This broader acceptance has contributed to the market's expansion.

Moreover, the technological advancements in the financial sector have streamlined the gold loan process, making it more accessible and convenient for borrowers. Online platforms and mobile applications have simplified the application and approval processes, reducing the time and effort required to obtain a gold loan. This technological integration has not only enhanced customer experience but also expanded the reach of gold loan services to a larger audience, including tech-savvy millennials and business owners seeking faster financing options.

Regionally, the Asia Pacific region dominates the gold loan market, largely due to the cultural significance of gold in countries like India and China. The region's market is expected to continue its dominance, driven by the increasing demand for gold loans from both individuals and businesses. In contrast, regions such as North America and Europe are witnessing moderate growth, primarily due to the rising acceptance and awareness of gold loans as viable financial instruments. The Middle East & Africa and Latin America regions are also showing promising potential, with increasing market penetration and strategic partnerships among financial institutions.

Type Analysis

The gold loan market can be segmented into two main types: short-term gold loans and long-term gold loans. Short-term gold loans are typically preferred by individuals and businesses seeking quick financing solutions to meet immediate financial needs. These loans usually have a repayment period ranging from a few days to a few months. The demand for short-term gold loans is driven by the need for fast cash flow, minimal documentation, and the ability to repay the loan within a short period. Moreover, the shorter repayment tenure reduces the risk for lenders, making it an attractive option for financial institutions.

On the other hand, long-term gold loans are aimed at borrowers who require a more extended repayment period, typically ranging from one year to several years. These loans are often used for more substantial financial requirements such as business expansion, higher education, or significant personal expenses. The longer repayment period allows borrowers to manage their finances more effectively and provides them with the flexibility to repay the loan in manageable installments. The increasing demand for long-term gold loans is also driven by the rising price of gold, which enhances the value of collateral and provides borrowers with higher loan amounts.

Both short-term and long-term gold loans have their unique advantages and cater to different financial needs. Short-term gold loans are favored for their quick approval process and minimal documentation requirements, making them ideal for immediate financial needs. In contrast, long-term gold loans offer the benefit of larger loan amounts and extended repayment periods, making them suitable for signi

This table contains 39 series, with data for starting from 1991 (not all combinations necessarily have data for all years). This table contains data described by the following dimensions (Not all combinations are available): Geography (1 item: Canada); Financial market statistics (39 items: Government of Canada Treasury Bills, 1-month (composite rates); Government of Canada Treasury Bills, 2-month (composite rates); Government of Canada Treasury Bills, 3-month (composite rates);Government of Canada Treasury Bills, 6-month (composite rates); ...).

The benchmark interest rate in Australia was last recorded at 3.85 percent. This dataset provides - Australia Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Over the current period, waterproofing contractors have faced an overall decline in revenue. While the residential construction market performed well for some of the current period, consistently slow commercial construction activity hindered growth. Over the past five years, industry-wide revenue has been declining at an expected CAGR of 2.2%, reaching an estimated $5.2 billion in 2024, when revenue is set to increase 0.1% and profit is expected to have fallen to 7.2%. The outbreak of COVID-19 had mixed effects on waterproofing contractors. Low interest rates meant to spur the economy led to a housing market boom, driving industry demand through private spending on home improvements and housing starts. Despite low interest rates, economic uncertainty and falling corporate profit led to falling commercial construction activity. As interest rates have been elevated from 2022 into 2024, when the Federal reserve has begun to cut rates, residential and commercial construction activity has fallen. Elevated wage and purchase costs have drove down average industry profit margins in recent years. Over the outlook period, waterproofing contractors will return to growth. Growing housing starts will bolster waterproofing contractors' growth as mortgage rates eventually drop. Private spending on home improvements returning to growth will be a boon to contractors. An uptick in commercial building construction activity over the outlook period as interest rates continue to drop will also promote growth. Tax incentives for energy-efficient residential and commercial buildings will greatly benefit waterproofing contractors. Overall, industry revenue is expected to grow at a CAGR of 1.6% to reach $5.6 in 2029.

The benchmark interest rate in Netherlands was last recorded at 4.50 percent. This dataset provides - Netherlands Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Venezuela Social Security Benefits: Interest Rate data was reported at 18.080 % pa in Nov 2018. This records an increase from the previous number of 17.920 % pa for Oct 2018. Venezuela Social Security Benefits: Interest Rate data is updated monthly, averaging 17.430 % pa from Jul 1997 (Median) to Nov 2018, with 257 observations. The data reached an all-time high of 63.840 % pa in Sep 1998 and a record low of 11.940 % pa in Jun 2006. Venezuela Social Security Benefits: Interest Rate data remains active status in CEIC and is reported by Central Bank of Venezuela. The data is categorized under Global Database’s Venezuela – Table VE.M006: Social Security Interest Rate.

The benchmark interest rate in Turkey was last recorded at 43 percent. This dataset provides the latest reported value for - Turkey Interest Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

In the decade after the 2008 financial crisis, pension providers across faced challenging conditions thanks to interest rates falling to historical lows, affecting the returns on fixed-income investments, like bonds. However, despite interest rates picking up in recent years amid the inflationary environment, headwinds remain. Revenue is expected to drop at a compound annual rate of 4.2% over the five years through 2024 to €793 billion, including a forecast fall of 1.8% in 2024. Profit has also edged downwards due to rising interest rates hitting equity and bond markets, though the average industry profit margin still stands strong, at an estimated 43.5% in 2024. Pension providers invest the contributions of policyholders into investment markets like bonds and equity, with the aim of making sure their assets can meet their liabilities – the benefits paid to retirees. Pension funds invest heavily in bond markets due to their relatively low risk and low volatility. However, this type of fixed-income investment has struggled since 2022 in the rising base rate environment, which saw yields skyrocket and bond prices plummet, hitting investment income. Equity markets, an asset class that traditionally performed inversely to bonds when interest rates were low, also performed poorly, stunted by muted economic growth and rock bottom investor sentiment. However, at the tail end of 2023, optimism picked up, with investors pricing in rate cuts, a scenario that should support economic growth and, in turn, equity markets. Bond markets also experienced considerable capital inflows as investors looked to lock in higher yields before they fell in line with a declining interest rates. Revenue is anticipated to climb at a compound annual rate of 3% over the five years through 2029 to €919.2 billion, while the average industry profit margin is estimated to swell to 45.1%. Investment returns are set to improve in the short term as markets benefit from interest rate cuts and improving economic conditions. However, an ageing population will remain a concern for pension providers as more people retire and claim their retirement benefits, ratcheting up liabilities.

Despite the near ubiquity of inter-temporal choice, there is little consensus on the rate at which individuals trade present and future costs and benefits. We contribute to this debate by estimating discount rates from extensive data on housing transactions and spatio-temporal variation in property taxes in England. Our findings imply long-term average net of growth nominal discount rates that are between 3 and 4%. The close correspondence to prevailing market interest rates gives little reason to suggest that households misoptimise by materially undervaluing very long term financial flows in this high stakes context.

Investment Trust Market Outlook

The global investment trust market size was valued at approximately USD 2.5 trillion in 2023 and is projected to reach around USD 4.1 trillion by 2032, growing at a compound annual growth rate (CAGR) of 5.5% during the forecast period. The growth of this market is driven by several factors including increasing investor preference for diversified portfolios and the growing availability of various types of investment trusts to meet different investment goals. These factors are expected to propel the market significantly over the coming years.

Expanding middle-class populations and increasing disposable incomes in emerging economies are also contributing significantly to the growth of the investment trust market. With more individuals seeking avenues for better returns on their investments, investment trusts offer an attractive proposition due to their diversified nature and professional management. Additionally, the growing awareness about the benefits of investing in such diversified instruments, as opposed to individual stocks or bonds, is a crucial growth factor.

Technological advancements and digitalization have made it easier for investors to access investment trusts. Online platforms have simplified the process of investing, enabling real-time tracking and management of investment portfolios. This ease of access has broadened the market's appeal, attracting a younger, tech-savvy investor base. The integration of artificial intelligence and machine learning in these platforms further enhances their capabilities, making investment decisions more data-driven and informed.

The rising trend of sustainable and responsible investing is another significant driver for the investment trust market. Many investors are now seeking to align their portfolios with their personal values, focusing on environmental, social, and governance (ESG) criteria. Investment trusts that prioritize ESG factors are seeing increased demand, as investors look to not only generate financial returns but also contribute positively to society and the environment.

Regionally, North America and Europe dominate the investment trust market, primarily due to their well-established financial sectors and higher levels of investor sophistication. However, the Asia Pacific region is expected to witness the highest growth rate during the forecast period. The increasing economic development and growing middle-class population in countries like China and India are major contributors to this growth. As more individuals in these regions become financially literate, the demand for diverse investment options like investment trusts is expected to rise steadily.

Type Analysis

Equity investment trusts, fixed-income investment trusts, hybrid investment trusts, and other specialized types form the various segments of the investment trust market. Equity investment trusts, which primarily invest in stocks, remain the most popular due to their potential for high returns. These trusts appeal to investors looking for growth opportunities, particularly in sectors showing robust performance. The volatility of stock markets, however, poses a risk, making it essential for these trusts to maintain a well-diversified portfolio to mitigate potential losses.

Fixed-income investment trusts focus on bonds and other debt instruments, offering a more stable and predictable income stream, which is particularly attractive to conservative investors or those nearing retirement. These trusts typically have lower risk compared to equity trusts, but also potentially lower returns. With interest rates playing a critical role in their performance, the recent trends of fluctuating interest rates have made these trusts more appealing as they adapt to the changing economic landscape.

Hybrid investment trusts combine both equity and fixed-income investments, providing a balanced approach that appeals to a broader range of investors. These trusts aim to achieve a mix of income generation and capital appreciation, making them suitable for investors with moderate risk tolerance. The flexibility offered by hybrid trusts allows them to adjust their asset allocation based on market conditions, enhancing their appeal in uncertain economic climates.

Other types of investment trusts include those specializing in real estate, commodities, and niche sectors like technology or healthcare. These specialized trusts cater to investors looking to focus on specific sectors that they believe will outperform the broader market. While they offer t

The United States private equity market reached a valuation of approximately $460 million in 2025 and is projected to expand at a CAGR of 11.00% from 2025 to 2033. The market's growth is primarily driven by increasing institutional investor participation, the proliferation of family offices, and the rising popularity of alternative investment strategies. Moreover, favorable government policies, such as tax incentives for private equity investments, and a supportive regulatory environment contribute to the market's expansion. Key trends shaping the market include the growing adoption of technology and data analytics in private equity operations, the increasing focus on ESG (environmental, social, and governance) factors, and the emergence of impact investing. The market is segmented based on investment type (large-cap, mid-cap, small-cap) and application (early-stage venture capitals, private equity, leveraged buyouts). Leading companies operating in the United States private equity market include The Blackstone Group, The Carlyle Group, KKR & Co., TPG Capital, and Warburg Pincus LLC, among others. Recent developments include: September 2023: Everton has been sold to 777 Partners, with the US private equity firm taking over from Farhad Moshiri in a deal reportedly worth more than USD 685 Million. The Miami-based investment fund had signed an agreement with British-Iranian billionaire Moshiri to acquire his 94.1 percent stake., March 2023: Cvent Holding Corp., an industry-leading meetings, events, and hospitality technology provider, has entered into a definitive agreement to be acquired by an affiliate of private equity funds managed by Blackstone in a transaction valued at an enterprise value of approximately USD 4.6 billion.. Key drivers for this market are: Low Interest Rates in United States and Abundant Capital is Driving the Market. Potential restraints include: Low Interest Rates in United States and Abundant Capital is Driving the Market. Notable trends are: Lower Interest Rates and Tax Benefits Raising the Private Equity Adaption In United States.

In August 2020, 54 percent of respondents who became homeowners during the COVID-19 pandemic said they took advantage of the low mortgage interest rates. On the other hand, 26 percent of them said that the coronavirus pandemic didn't play any role in them becoming homeowners. The homeownership rate rose to almost 68 percent in the second quarter of 2020.

Student Loan Platform Market Outlook

The global market size for the Student Loan Platform was valued at approximately USD 4.5 billion in 2023 and is expected to reach around USD 8.9 billion by 2032, growing at a CAGR of 7.5% during the forecast period. The significant growth factor in this market can be attributed to the increasing demand for higher education coupled with the rising cost of education, which necessitates efficient loan management systems.

One of the primary growth drivers for the Student Loan Platform market is the escalating cost of higher education. The cost of tuition and other associated expenses for higher education has been rising steadily over the years. This has led to an increasing number of students and their families seeking financial assistance through loans to fund their education. Consequently, the demand for efficient student loan platforms that can handle loan origination, servicing, and consolidation has surged. These platforms not only streamline loan processes but also offer valuable support to students in managing their debts effectively.

Another significant growth factor is the increasing penetration of digital technologies in the financial sector. The advent of advanced technologies such as artificial intelligence, machine learning, and blockchain has revolutionized the way financial services are delivered. Student loan platforms are leveraging these technologies to enhance their offerings, providing more secure, efficient, and user-friendly services. This technological integration has not only improved the operational efficiency of these platforms but also enhanced the overall user experience, thereby driving market growth.

Government initiatives and policies aimed at making higher education more accessible are also contributing to the growth of the student loan platform market. Various governments across the globe are introducing policies and programs to support students in accessing financial aid for their education. These initiatives often involve partnerships with financial institutions and educational organizations, which subsequently drives the demand for robust student loan platforms. Furthermore, regulatory frameworks that mandate transparency and accountability in loan management are encouraging the adoption of these platforms.

From a regional perspective, North America holds a significant share of the student loan platform market, driven by high tuition fees and a large number of students opting for higher education. The presence of advanced technological infrastructure and a high level of digital literacy also support market growth in this region. However, emerging economies in the Asia Pacific region are expected to witness the highest growth rate during the forecast period. Factors such as increasing enrollment rates in higher education, rising disposable incomes, and growing awareness about education financing options are propelling market growth in this region.

Type Analysis

The Student Loan Platform market is segmented by type into Federal Student Loans, Private Student Loans, and Refinance Loans. Federal Student Loans are primarily funded by the government and offer various benefits such as fixed interest rates and flexible repayment plans. These loans are typically more accessible to students from low-income families, which drives their popularity. The market for Federal Student Loans is expected to remain robust due to continuous government support and initiatives aimed at making higher education accessible to all.

Private Student Loans, on the other hand, are offered by private financial institutions and tend to have variable interest rates and less flexible repayment options compared to federal loans. Despite these challenges, the market for Private Student Loans is growing, driven by the increasing gap between the cost of education and the amount covered by federal loans. Private lenders are also incorporating innovative solutions to attract borrowers, such as offering competitive interest rates and personalized loan packages, thus contributing to market growth.

Refinance Loans are an emerging segment in the student loan platform market. These loans allow borrowers to replace their existing loans with new ones, typically at lower interest rates. The primary benefit of refinance loans is cost savings through reduced interest payments. This segment is gaining traction as more graduates seek to manage their loan burdens effectively by taking advantage of favorable interest rates. The increasing awareness and availability of refinance options are expected to drive si

The United States private equity market is a robust and rapidly expanding sector, projected to reach a significant market size by 2033. Driven by factors such as increased institutional investor participation, a favorable regulatory environment, and a high volume of attractive acquisition targets, this market demonstrates strong growth potential. The substantial capital available to private equity firms, coupled with a growing number of companies seeking funding and strategic partnerships, fuels this expansion. Furthermore, the diversification of investment strategies across large-cap, mid-cap, and small-cap companies, along with the increasing prevalence of early-stage venture capital and leveraged buyouts within the application segments, points towards sustained market growth. The presence of major players like Blackstone, Carlyle, and KKR underscores the industry’s maturity and its capacity for further consolidation and expansion in the coming years. The market's segmentation reflects its maturity and sophistication, catering to diverse investment needs and risk appetites. While the large-cap segment traditionally dominates, the increasing participation of mid-cap and small-cap companies indicates a widening investment scope and potential for higher returns. The application segments, namely early-stage venture capital, private equity, and leveraged buyouts, demonstrate the strategic diversity of the market, with each presenting unique opportunities and challenges. The continued innovation within these segments, along with the ongoing evolution of financial instruments and investment strategies, will further contribute to the dynamic nature of the U.S. private equity market's growth throughout the forecast period. This consistent growth will be supported by continuous refinement of investment methodologies and a dedicated focus on value creation in the portfolio companies. Recent developments include: September 2023: Everton has been sold to 777 Partners, with the US private equity firm taking over from Farhad Moshiri in a deal reportedly worth more than USD 685 Million. The Miami-based investment fund had signed an agreement with British-Iranian billionaire Moshiri to acquire his 94.1 percent stake., March 2023: Cvent Holding Corp., an industry-leading meetings, events, and hospitality technology provider, has entered into a definitive agreement to be acquired by an affiliate of private equity funds managed by Blackstone in a transaction valued at an enterprise value of approximately USD 4.6 billion.. Key drivers for this market are: Low Interest Rates in United States and Abundant Capital is Driving the Market. Potential restraints include: Low Interest Rates in United States and Abundant Capital is Driving the Market. Notable trends are: Lower Interest Rates and Tax Benefits Raising the Private Equity Adaption In United States.

This table contains 71 series, with data starting from 1934 (not all combinations necessarily have data for all years). This table contains data described by the following dimensions (Not all combinations are available): Geography (1 items: Canada ...), Rates (71 items: Bank rate; last Tuesday or last Thursday; Bank rate; Chartered bank administered interest rates - prime business; Chartered bank - consumer loan rate ...).