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.

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.

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

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.

Graph and download economic data for Average Rate on 3-Month Negotiable Certificates of Deposit (Secondary Market), Quoted on an Investment Basis (DISCONTINUED) (H0RIFSPDCNSM03NA) from 1964 to 2013 about negotiable, CD, secondary market, 3-month, investment, average, interest rate, interest, rate, and USA.

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.

In 2020, roughly *********** of wealthy investors in the United States made adjustments to their financial plan because of the low interest rates induced by the coronavirus (COVID-19) pandemics. Among them, almost half decided to increase their equity investments, while ** percent of the respondents invested more in higher yielding fixed income products.

This statistic presents the reaction of institutional investors to interest rate increases in 2016. The results of the survey carried out in October 2015 revealed that ** percent of the companies increased the use of alternatives as a result of interest rates increase.

Certificate of Deposit Market Outlook

The global certificate of deposit (CD) market size was valued at approximately USD 1 trillion in 2023, and it is projected to reach nearly USD 1.5 trillion by 2032, growing at a compound annual growth rate (CAGR) of around 4.5%. This growth is primarily driven by the increasing preference for safe and secure investment options amidst global economic uncertainties. Factors such as technological advancements in banking, fluctuating interest rates, and evolving consumer preferences are expected to further fuel the expansion of the CD market. As investors seek to balance risk and return, the certificate of deposit market is poised for significant growth over the next decade.

A major growth factor in the certificate of deposit market is the heightened demand for low-risk investment products, especially in volatile economic climates. As global markets experience fluctuations due to geopolitical tensions and unpredictable economic policies, investors are increasingly turning to CDs as a stable and predictable source of income. The fixed interest rates and government insurance associated with CDs make them an attractive option for risk-averse investors. Additionally, the increasing financial literacy among the population is leading to greater awareness of CDs as an investment tool, further driving market growth.

The digital transformation of banking services has also had a profound impact on the certificate of deposit market. Online banks and financial institutions are now offering more competitive rates and greater accessibility to CD products, thereby expanding their customer base. This digital shift has not only increased the convenience for consumers but also allowed institutions to reduce operational costs, enabling them to offer more attractive rates. Furthermore, the proliferation of fintech platforms has facilitated easier comparison of CD rates and terms, empowering consumers to make more informed investment decisions, which ultimately supports market growth.

Interest rates, which are a critical determinant of the attractiveness of CDs, have become progressively volatile, largely influencing the dynamics of the CD market. Central banks across the globe are adjusting rates in response to inflationary pressures and economic recovery efforts post-pandemic. While higher interest rates may enhance the appeal of CDs by offering better returns, they also make other investment avenues more attractive. Consequently, financial institutions are developing innovative CD products with features such as bump-up rates or liquidity options to maintain competitiveness. As interest rate environments evolve, so too will the strategies employed by both issuers and investors within the CD market.

Regionally, North America holds a significant share of the certificate of deposit market, driven by a mature banking sector and a high level of investor awareness. Europe follows closely, with its robust regulatory framework and stable economic environment contributing to sustained interest in CDs. Meanwhile, the Asia Pacific region is expected to exhibit the fastest growth rate, attributed to rapid economic development and increasing individual wealth in countries such as China and India. The Latin America and Middle East & Africa regions are also anticipated to see moderate growth, spurred by improving financial infrastructure and increasing investor education initiatives. Overall, the global CD market is poised for steady expansion, with varying growth trajectories across different regions.

Type Analysis

The certificate of deposit market is diverse, encompassing several types of CDs, each catering to different investor needs and preferences. Traditional CDs remain the most prevalent, offering fixed interest rates over specified terms. Their appeal lies in their simplicity and the assurance of a guaranteed return, which continues to attract conservative investors. The demand for traditional CDs is particularly strong among retirees and individuals seeking stable income sources. Despite the emergence of more flexible CD options, traditional CDs maintain their dominance due to the predictability and security they offer in uncertain financial climates.

Bump-Up CDs have gained traction as investors seek products that allow for interest rate adjustments during the term. This type of CD offers the potential for higher returns if market rates increase, providing a hedge against rising interest environments. The flexibility of bump-up CDs makes them attractive to investors who wish to capitalize on upward trends without abandoning the security of a CD. Howe

Concept: Average interest rate of credit operations with prefixed interest rates by source of funds and type of credit - microenterprise - nonearmarked credit - Rural financing - investment. Financing granted to rural producers for agricultural and livestock investments. Source: Credit Information System 27267-average-interest-rate-by-source-of-funds-and-type-of-credit---microenterprise---nonearmarked- 27267-average-interest-rate-by-source-of-funds-and-type-of-credit---microenterprise---nonearmarked-

Graph and download economic data for Interest Rates and Price Indexes; Gross Fixed Investment on Residential Construction; Chain Weights, Level (BOGZ1FL075012003Q) from Q4 1945 to Q1 2025 about fixed, investment, gross, residential, equipment, interest rate, interest, rate, price index, indexes, price, and USA.

Concept: Average interest rate of credit operations with prefixed interest rates by source of funds and type of credit - small-sized enterprise - earmarked credit - Rural financing - investment. Financing granted to rural producers for agricultural and livestock investments. Source: Credit Information System 26524-average-interest-rate-by-source-of-funds-and-type-of-credit---small-sized-enterprise---earmar 26524-average-interest-rate-by-source-of-funds-and-type-of-credit---small-sized-enterprise---earmar

During periods of rising policy rates, the performance of private credit investments appears to outperform other asset classes. During the latest Fed funds rates hikes between the end of 2021 and the second half of 2023, private credit investments returns were as high as ** percent. Private credit investments usually feature floating interest rates. This can boost returns when interest rates rise, but may lower potential returns when rates fall.

Short-term and floating-rate bonds are typically a popular investment choice during times of increasing rates. Roughly 52 percent of investors noted investing in assets that benefit from higher interest rates when anticipating an economic recession. While over 55 percent of investors choose to invest in fewer singular companies and increase asset allocation to conviction stocks.

Graph and download economic data for Interest Rates and Price Indexes; Gross Fixed Investment on Residential Construction; Chain Weights, Level (BOGZ1FL075012003A) from 1945 to 2024 about fixed, investment, gross, residential, equipment, interest rate, interest, rate, price index, indexes, price, and USA.

Graph and download economic data for Market Yield on U.S. Treasury Securities at 20-Year Constant Maturity, Quoted on an Investment Basis, Inflation-Indexed (DFII20) from 2004-07-27 to 2025-07-10 about 20-year, TIPS, maturity, securities, Treasury, interest rate, interest, real, rate, and USA.

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...

As of October 2025, ** percent of expert investors worldwide reported being very or somewhat interested in sustainable investing, while ***** percent indicated they were not very interested, and **** percent stated they were not interested at all or were unsure.

Context

The Turkish Lira is losing its value against U.S. Dollar constantly. As of October 22, 2021, 1 USD = 9.61 Turkish Lira (TRY). On the other hand, interest rates are quite high, especially for the Turkish Lira.

I set out to investigate if I had $100000 in 2010 and invested this money in different interest rates in both Turkish Lira (TRY) and US Dollar (USD), which investment would bring more gain in 2021.

Content

The data has been gathered from Türkiye Cumhuriyeti Merkez Bankasi (TCMB), aka the Turkish FED, website. The data shows the historical interest rates as well as USD/TRY conversion rates between July 2010 and July 2021. The original data’s all column names and relative explanations were Turkish, so the columns are renamed and the data is cleaned.

There are ten cleaned columns on the dataset: Date, 1-month TRY interest rates, 3 months TRY interest rates, 6 months TRY interest rates, 1-year TRY interest rates, 1 month USD interest rates, 3 months USD interest rates, 6 months USD interest rates, 1 year USD interest rates, USD/TRY Buying Conversion Rate, USD/TRY Selling Conversion Rate.

** USD Buying means, the customer is selling USD to the bank/ exchange office ** USD Selling means, the customer is buying USD to the bank/ exchange office

Inspiration

Would it be more beneficial if I converted my $100000 in July 2010 to Turkish Lira, which is the equivalent of 153631.36 TRY using July 2010’s rates and invested with Turkish high-interest rates or kept my money as U.S. Dollars and invested with relatively lower U.S. Dollar interest rates until July 2021? $100000 is equivalent to 861294.12 TRY in July 2021.