Brazil Foreign Investment: Portfolio: Comp: Interest Rate Options data was reported at 4.368 BRL mn in Apr 2018. This records an increase from the previous number of 3.894 BRL mn for Mar 2018. Brazil Foreign Investment: Portfolio: Comp: Interest Rate Options data is updated monthly, averaging 3.374 BRL mn from Jul 2016 (Median) to Apr 2018, with 22 observations. The data reached an all-time high of 5.777 BRL mn in Apr 2017 and a record low of 1.079 BRL mn in May 2017. Brazil Foreign Investment: Portfolio: Comp: Interest Rate Options data remains active status in CEIC and is reported by Securities and Exchange Commission of Brazil . The data is categorized under Global Database’s Brazil – Table BR.ZA016: Securities and Exchange Commission of Brazil: Foreign Investment: Portfolio: Value of Investments.

The benchmark interest rate in the United States was last recorded at 4.50 percent. This dataset provides the latest reported value for - United States Fed Funds Rate - plus previous releases, historical high and low, short-term forecast and long-term prediction, economic calendar, survey consensus and news.

Concept: Average interest rate of credit operations with prefixed interest rates by source of funds and type of credit - microenterprise - earmarked credit - Rural financing - investment. Financing granted to rural producers for agricultural and livestock investments. Source: Credit Information System 26488-average-interest-rate-by-source-of-funds-and-type-of-credit---microenterprise---earmarked-cre 26488-average-interest-rate-by-source-of-funds-and-type-of-credit---microenterprise---earmarked-cre

Social Security's average and effective interest rates for the combined Old-Age and Survivors Insurance and Disability Insurance Trust Funds. For comparison, the annual average of the monthly special-issue rates are also shown.

Concept: Average interest rate of credit operations with prefixed interest rates by source of funds and type of credit - small-sized enterprise - nonearmarked credit - Rural financing - investment. Financing granted to rural producers for agricultural and livestock investments. Source: Credit Information System 26569-average-interest-rate-by-source-of-funds-and-type-of-credit---small-sized-enterprise---nonear 26569-average-interest-rate-by-source-of-funds-and-type-of-credit---small-sized-enterprise---nonear

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

Graph and download economic data for Average Rate on 6-Month Negotiable Certificates of Deposit (Secondary Market), Quoted on an Investment Basis (DISCONTINUED) (H0RIFSPDCNSM06NA) from 1964 to 2013 about negotiable, CD, 6-month, secondary market, investment, average, interest rate, interest, rate, and USA.

Graph and download economic data for Interest Rates: Immediate Rates (< 24 Hours): Federal Funds Rate: Total for United States (IRSTFR01USQ156N) from Q1 1960 to Q4 2023 about federal, interest rate, interest, rate, and USA.

Graph and download economic data for Federal Funds Effective Rate (RIFSPFFNB) from 1954-07-01 to 2025-06-18 about funds, federal, interest rate, interest, rate, and USA.

Concept: Average interest rate from new credit operations started in the reference period, which are under regulation by the National Monetary Council (CMN) or linked to budget funds. The rate is weighted by the value of operations. Refers to special financing operations which require proof of proper use of funds, linked to medium and long term production and investments projects. Funds origins are shares of checking accounts and savings accounts and funds from governmental programs. Source: Central Bank of Brazil – Statistics Department 25502-month-average-interest-rate-of-earmarked-new-credit-operations---households---bndes-funds---a 25502-month-average-interest-rate-of-earmarked-new-credit-operations---households---bndes-funds---a

The risk-free rate is a theoretical rate of return of an investment with zero risk of financial loss. This rate represents the minimum interest an investor would expect from a risk-free investment over a period of time. It is important to remember that the risk-free rate is only theoretical, as all investments carry even the smallest of risks. Across European countries, average risk-free rates differed quite significantly. United Kingdom is low risk and low reward When average risk-free rates on a theoretical investment with no risk is ****, like seen in Turkey and Ukraine, the opportunity for high reward investments must seem tempting. But with high rewards come higher risks. Countries such as the UK and Germany have consistently shown *** risk-free rates due to their investment markets’ relative stability. Market risk premiums Market risk premiums (MRP) are a measure that is closely associated with average risk-free rates. MRPs are a measurement of the expected return on investment an investor looks to make. For potential investors looking to add to their portfolio, the perfect scenario for a risk-based investment would be a high rate of return with as small a risk as possible. There are three main concepts to MRPs, including required market risk premiums, historical market risk premiums and expected market risk premiums. Like average risk-free rates, MRPs vary quite widely across Europe.

Graph and download economic data for Market Yield on U.S. Treasury Securities at 3-Year Constant Maturity, Quoted on an Investment Basis (RIFLGFCY03NA) from 1962 to 2024 about 3-year, maturity, investment, securities, yield, interest rate, interest, rate, and USA.

The U.S. federal funds rate peaked in 2023 at its highest level since the 2007-08 financial crisis, reaching 5.33 percent by December 2023. A significant shift in monetary policy occurred in the second half of 2024, with the Federal Reserve implementing regular rate cuts. By December 2024, the rate had declined to 4.48 percent. What is a central bank rate? The federal funds rate determines the cost of overnight borrowing between banks, allowing them to maintain necessary cash reserves and ensure financial system liquidity. When this rate rises, banks become more inclined to hold rather than lend money, reducing the money supply. While this decreased lending slows economic activity, it helps control inflation by limiting the circulation of money in the economy. Historic perspective The federal funds rate historically follows cyclical patterns, falling during recessions and gradually rising during economic recoveries. Some central banks, notably the European Central Bank, went beyond traditional monetary policy by implementing both aggressive asset purchases and negative interest rates.

In 2020, 12-year bonds with an interest rate of 3.12 percent were estimated as the safest form of capital investment in Poland.

Mexico Interest Rate: Ave Cost of Funds (CPP) data was reported at 5.730 % pa in Mar 2019. This records an increase from the previous number of 5.690 % pa for Feb 2019. Mexico Interest Rate: Ave Cost of Funds (CPP) data is updated monthly, averaging 14.330 % pa from Jan 1975 (Median) to Mar 2019, with 531 observations. The data reached an all-time high of 135.880 % pa in Feb 1988 and a record low of 0.000 % pa in Jul 1975. Mexico Interest Rate: Ave Cost of Funds (CPP) data remains active status in CEIC and is reported by Bank of Mexico. The data is categorized under Global Database’s Mexico – Table MX.M002: Interest Rates.

From 2003 to 2025, the central banks of the United States, United Kingdom, and European Union exhibited remarkably similar interest rate patterns, reflecting shared global economic conditions. In the early 2000s, rates were initially low to stimulate growth, then increased as economies showed signs of overheating prior to 2008. The financial crisis that year prompted sharp rate cuts to near-zero levels, which persisted for an extended period to support economic recovery. The COVID-19 pandemic in 2020 led to further rate reductions to historic lows, aiming to mitigate economic fallout. However, surging inflation in 2022 triggered a dramatic policy shift, with the Federal Reserve, Bank of England, and European Central Bank significantly raising rates to curb price pressures. As inflation stabilized in late 2023 and early 2024, the ECB and Bank of England initiated rate cuts by mid-2024, and the Federal Reserve also implemented its first cut in three years, with forecasts suggesting a gradual decrease in all major interest rates between 2025 and 2026. Divergent approaches within the European Union While the ECB sets a benchmark rate for the Eurozone, individual EU countries have adopted diverse strategies to address their unique economic circumstances. For instance, Hungary set the highest rate in the EU at 13 percent in September 2023, gradually reducing it to 6.5 percent by October 2024. In contrast, Sweden implemented more aggressive cuts, lowering its rate to 2.25 percent by February 2025, the lowest among EU members. These variations highlight the complex economic landscape that European central banks must navigate, balancing inflation control with economic growth support. Global context and future outlook The interest rate changes in major economies have had far-reaching effects on global financial markets. Government bond yields, for example, reflect these policy shifts and investor sentiment. As of December 2024, the United States had the highest 10-year government bond yield among developed economies at 4.59 percent, while Switzerland had the lowest at 0.27 percent. These rates serve as important benchmarks for borrowing costs and economic expectations worldwide.

Policy interest rates in the U.S. and Europe are forecasted to decrease gradually between 2024 and 2027, following exceptional increases triggered by soaring inflation between 2021 and 2023. The U.S. federal funds rate stood at **** percent at the end of 2023, the European Central Bank deposit rate at **** percent, and the Swiss National Bank policy rate at **** percent. With inflationary pressures stabilizing, policy interest rates are forecast to decrease in each observed region. The U.S. federal funds rate is expected to decrease to *** percent, the ECB refi rate to **** percent, the Bank of England bank rate to **** percent, and the Swiss National Bank policy rate to **** percent by 2025. An interesting aspect to note is the impact of these interest rate changes on various economic factors such as growth, employment, and inflation. The impact of central bank policy rates The U.S. federal funds effective rate, crucial in determining the interest rate paid by depository institutions, experienced drastic changes in response to the COVID-19 pandemic. The subsequent slight changes in the effective rate reflected the efforts to stimulate the economy and manage economic factors such as inflation. Such fluctuations in the federal funds rate have had a significant impact on the overall economy. The European Central Bank's decision to cut its fixed interest rate in June 2024 for the first time since 2016 marked a significant shift in attitude towards economic conditions. The reasons behind the fluctuations in the ECB's interest rate reflect its mandate to ensure price stability and manage inflation, shedding light on the complex interplay between interest rates and economic factors. Inflation and real interest rates The relationship between inflation and interest rates is critical in understanding the actions of central banks. Central banks' efforts to manage inflation through interest rate adjustments reveal the intricate balance between economic growth and inflation. Additionally, the concept of real interest rates, adjusted for inflation, provides valuable insights into the impact of inflation on the economy.

According to Cognitive Market Research, the global Certificate of Deposit market size will be USD XX million in 2024. It will expand at a compound annual growth rate (CAGR) of 8.00% from 2024 to 2031.

North America held the major market share for more than 40% of the global revenue with a market size of USD XX million in 2024 and will grow at a compound annual growth rate (CAGR) of 6.2% from 2024 to 2031.
Europe accounted for a market share of over 30% of the global revenue with a market size of USD XX million.
Asia Pacific held a market share of around 23% of the global revenue with a market size of USD XX million in 2024 and will grow at a compound annual growth rate (CAGR) of 10.0% from 2024 to 2031.
Latin America had a market share of more than 5% of the global revenue with a market size of USD XX million in 2024 and will grow at a compound annual growth rate (CAGR) of 7.4% from 2024 to 2031.
Middle East and Africa had a market share of around 2% of the global revenue and was estimated at a market size of USD XX million in 2024 and will grow at a compound annual growth rate (CAGR) of 7.7% from 2024 to 2031.
The Less than 1 year held the highest Certificate of Deposit market revenue share in 2024.

Market Dynamics of Certificate of Deposit Market

Key Drivers for Certificate of Deposit Market

Growing Demand for Early Retirement Planning to Increase the Demand Globally

The growing demand for early retirement planning is driving the Certificate of Deposit (CD) market as individuals increasingly seek secure and reliable investment options to ensure financial stability in their retirement years. CDs offer a low-risk investment with guaranteed returns, making them an attractive choice for conservative investors looking to preserve capital and generate predictable income. With an aging population and heightened awareness of the need for financial planning, more people are prioritizing investments that provide safety and stability. CDs, with their fixed interest rates and protection against market volatility, align well with the goals of early retirees who prioritize preserving their savings while earning a steady return. This trend fuels the growth of the CD market as part of comprehensive retirement strategies.

Growing Demand of Enhanced CD products to Propel Market Growth

The growing demand for enhanced Certificate of Deposit (CD) products is driving the market due to their ability to offer higher returns and additional features compared to traditional CDs. Enhanced CDs, such as those with variable interest rates, callable options, or market-linked returns, attract investors seeking better yields while still enjoying the security and low risk associated with CDs. These innovative products appeal to a broader range of investors, including those looking for diversified income streams and higher growth potential. Additionally, the customization and flexibility of enhanced CDs cater to the evolving preferences of investors, who are increasingly sophisticated and seeking tailored financial solutions. This trend boosts the attractiveness and market adoption of CDs, expanding their role in investment portfolios.

Restraint Factor for the Certificate of Deposit Market

Low Interest Rates to Limit the Sales

Low interest rates restrain the Certificate of Deposit (CD) market by reducing the attractiveness of these financial instruments to investors seeking higher returns. When interest rates are low, the yields on CDs decrease, making them less appealing compared to other investment options such as stocks, bonds, or mutual funds, which may offer higher potential returns. This diminished appeal leads to reduced demand for CDs among both retail and institutional investors. Additionally, low interest rates can prompt banks and financial institutions to offer fewer incentives or promotional rates for CDs, further dampening market growth. The overall impact is a slowdown in the market's expansion, as investors seek alternative investments that promise better returns in a low-interest-rate environment.

Impact of Covid-19 on the Certificate of Deposit Market

The COVID-19 pandemic had a mixed impact on the Certificate of Deposit (CD) market. On one hand, economic uncertainty and market volatility drove many investors towards safer, more stable investment options like CDs. This increased demand for secure, low-risk instruments as people sought to protect their capital. On the ot...

Concept: Average interest rate of credit operations with prefixed interest rates by source of funds and type of credit - individual microentrepreneur (MEI) - nonearmarked credit - Rural financing - investment. Financing granted to rural producers for agricultural and livestock investments. Source: Central Bank of Brazil - Department of Financial Education 26909-average-interest-rate-by-source-of-funds-and-type-of-credit---individual-microentrepreneur-me 26909-average-interest-rate-by-source-of-funds-and-type-of-credit---individual-microentrepreneur-me

Concept: Average interest rate of credit operations with prefixed interest rates by source of funds - microenterprise - earmarked credit - other Source: Credit Information System 26438-average-interest-rate-by-source-of-funds---microenterprise---earmarked-credit---other 26438-average-interest-rate-by-source-of-funds---microenterprise---earmarked-credit---other