In 2024, 62 percent of adults in the United States invested in the stock market. This figure has remained steady over the last few years, and is still below the levels before the Great Recession, when it peaked in 2007 at 65 percent. What is the stock market? The stock market can be defined as a group of stock exchanges, where investors can buy shares in a publicly traded company. In more recent years, it is estimated an increasing number of Americans are using neobrokers, making stock trading more accessible to investors. Other investments A significant number of people think stocks and bonds are the safest investments, while others point to real estate, gold, bonds, or a savings account. Since witnessing the significant one-day losses in the stock market during the Financial Crisis, many investors were turning towards these alternatives in hopes for more stability, particularly for investments with longer maturities. This could explain the decrease in this statistic since 2007. Nevertheless, some speculators enjoy chasing the short-run fluctuations, and others see value in choosing particular stocks.

The main stock market index in the United States (US500) decreased 176 points or 2.99% since the beginning of 2025, according to trading on a contract for difference (CFD) that tracks this benchmark index from United States. United States Stock Market Index - values, historical data, forecasts and news - updated on March of 2025.

View data of the S&P 500, an index of the stocks of 500 leading companies in the US economy, which provides a gauge of the U.S. equity market.

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.

Ripple - or XRP - prices surged in 2021, but went down significantly as 2022 progressed. As of March 25, 2025, one XRP token was worth 2.45 U.S. dollars. Ethereum's price, for example, kept on reaching new all-time highs, a feat not performed by XRP. Indeed, XRP's more price spikes followed relatively late - only occurring in early 2021, against late 2020 for most other cryptos - after the US SEC filed a legal complaint against Ripple in November 2020. This legal action caused the XRP price to plummet from around 0.70 U.S. dollars to 0.20 U.S. dollars.Ripple versus XRP: two become oneTechnically speaking, Ripple is not a cryptocurrency. Renamed from a protocol called OpenCoin in 2013, Ripple facilitates open-source payments. XRP, on the other hand, is the cryptocurrency that runs on this network. In that sense, Ripple and XRP have a similar symbiosis to each other like the Ethereum network and its cryptocurrency Ether. Unlike Ethereum - whose price changes are connected to the world of Decentralized Finance or DeFI - Ripple/XRP mostly looks at developments on cross-border payments for companies. In 2020, companies worldwide began to favor fintech solutions for future B2B solutions and, in a way, Ripple is an extension of that.What affects the price of Ripple?Ripple is mostly active in Southeast Asia - a region with a splintered payment landscape and that heavily investigates its own types of state-issued cryptocurrency to make cross-border payments a lot easier. Price spikes tend to follow after news on this topic in this specific region. In 2019, for example, the XRP price grew after Japan and South Korea began testing to reduce time and costs for transferring international funds between the two countries. In March 2021, Ripple announced that it had agreed to acquire 40 percent of Malaysian cross-border payments firm Tranglo to meet growing demand in Southeast Asia.

The benchmark interest rate in India was last recorded at 6.25 percent. This dataset provides - India Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

As of November 14, 2021, all S&P 500 sector indices had recovered to levels above those of January 2020, prior to full economic effects of the global coronavirus (COVID-19) pandemic taking hold. However, different sectors recovered at different rates to sit at widely different levels above their pre-pandemic levels. This suggests that the effect of the coronavirus on financial markets in the United States is directly affected by how the virus has impacted various parts of the underlying economy.

Which industry performed the best during the coronavirus pandemic?

Companies operating in the information technology (IT) sector have been the clear winners from the pandemic, with the IT S&P 500 sector index sitting at almost 65 percent above early 2020 levels as of November 2021. This is perhaps not surprising given this industry includes some of the companies who benefitted the most from the pandemic such as Amazon, PayPal and Netflix. The reason for these companies’ success is clear – as shops were shuttered and social gatherings heavily restricted due to the pandemic, online services such shopping and video streaming were in high demand. The success of the IT sector is also reflected in the performance of global share markets during the coronavirus pandemic, with tech-heavy NASDAQ being the best performing major market worldwide.

Which industry performed the worst during the pandemic?

Conversely, energy companies fared the worst during the pandemic, with the S&P 500 sector index value sitting below its early 2020 value as late as July 2021. Since then it has somewhat recovered, and was around 15 percent above January 2020 levels as of October 2021. This reflects the fact that many oil companies were among the share prices suffering the largest declines over 2020. A primary driver for this was falling demand for fuel fell in line with the reduction in tourism and commuting caused by lockdowns all over the world. However, as increasing COVID-19 vaccination rates throughout 2021 led to lockdowns being lifted and global tourism reopening, demand has again risen - reflected by the recent increase in the S&P 500 energy index.

The main stock market index in Hong Kong (HK50) increased 3587 points or 17.88% since the beginning of 2025, according to trading on a contract for difference (CFD) that tracks this benchmark index from Hong Kong. Hong Kong Stock Market Index (HK50) - values, historical data, forecasts and news - updated on March of 2025.

The main stock market index in Canada (TSX) increased 472 points or 1.91% since the beginning of 2025, according to trading on a contract for difference (CFD) that tracks this benchmark index from Canada. Canada Stock Market Index (TSX) - values, historical data, forecasts and news - updated on March of 2025.

As of June 17, 2024, the most shorted stock was for, the American holographic technology services provider, MicroCloud Hologram Inc., with 66.64 percent of their total float having been shorted. This is a change from mid-January 2021, when video game retailed GameStop had an incredible 121.07 percent of their available shares in a short position. In effect this means that investors had 'borrowed' more shares (with a future promise to return them) than the total number of shares available for public trading. Owing to this behavior of professional investors, retail investors enacted a campaign to drive up the stock price of Gamestop, leading to losses of billions when investors had to repurchase the stock they had borrowed. At this time, a similar – but less effective – social media campaign was also carried out for the stock price of cinema operator AMC, and the price of silver. What is short selling? Short selling is essentially where an investor bets on a share price falling by: borrowing a number of shares selling these shares while the price is still high; purchasing the same number again once the price falls; then returning the borrowed shares at a profit. Of course, a profit will only be made if the share price does fall; should the share price rise the investor will then need to purchase the shares back at a higher price, and thus incur a loss. Short selling can lead to some very large profits in a short amount of time, with Tesla stock generating over one billion dollars in short sell profits during the first week of March 2020 alone, owing to the financial crash caused by the coronavirus (COVID-19) pandemic. However, owing to the short-term, opportunistic nature of short selling, these returns look less impressive when considered as net profits from short sell positions over the full year. The risks of short selling Short selling carries greater risks than traditional investments, and for this reason financial advisors often recommend against this strategy for ‘retail’ (i.e. non-professional) investors. The reason for this is that losses from short selling are potentially uncapped, whereas losses from traditional investments are limited to the initial cost. For example, if someone purchases 100 dollars of shares, the maximum they can lose is the 100 dollars the spent on those shares. However, say someone borrows 100 dollars of shares instead, betting on the price falling. If these shares are then sold for 100 dollars but the price subsequently rises, the losses could greatly exceed the initial investment should the price rise to, say, 500 dollars. The risks of short selling can be seen by looking again at Tesla, with the company causing the greatest losses over 2020 from short selling at over 40 billion U.S. dollars.

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...

The benchmark interest rate in Japan was last recorded at 0.50 percent. This dataset provides - Japan Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

Key information about India Long Term Interest Rate

• India Government Securities Yield: 10 Years was reported at 6.71 % pa in Jan 2025, compared with 6.78 % pa in the previous month.
• India Long Term Interest Rate data is updated monthly, available from May 1996 to Jan 2025.
• The data reached an all-time high of 13.96 % pa in May 1996 and a record low of 5.11 % pa in Oct 2003.
• Long Term Interest Rate is reported by reported by Reserve Bank of India.

• In the latest reports, India Short Term Interest Rate: Month End: India: MIBOR: 3 Months was reported at 7.19 % pa in Jun 2023.
• The cash rate (Policy Rate: Month End: Repo Rate) was set at 6.50 % pa in Jan 2025.
• India Exchange Rate against USD averaged 82.23 (USD/INR) in Jun 2023.

This table contains 38 series, with data starting from 1957 (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), Rates (38 items: Bank rate; Chartered bank administered interest rates - prime business; Chartered bank - consumer loan rate; Forward premium or discount (-), United States dollars in Canada: 1 month; ...).

The Federal Reserve's balance sheet has undergone significant changes since 2007, reflecting its response to major economic crises. From a modest 0.9 trillion U.S. dollars at the end of 2007, it ballooned to approximately 6.76 trillion U.S. dollars by March 2025. This dramatic expansion, particularly during the 2008 financial crisis and the COVID-19 pandemic - both of which resulted in negative annual GDP growth in the U.S. - showcases the Fed's crucial role in stabilizing the economy through expansionary monetary policies. Impact on inflation and interest rates The Fed's expansionary measures, while aimed at stimulating economic growth, have had notable effects on inflation and interest rates. Following the quantitative easing in 2020, inflation in the United States reached eight percent in 2022, the highest since 1991. However, by November 2024, inflation had declined to 2.7 percent. Concurrently, the Federal Reserve implemented a series of interest rate hikes, with the rate peaking at 5.33 percent in August 2023, before the first rate cut since September 2021 occurred in September 2024. Financial implications for the Federal Reserve The expansion of the Fed's balance sheet and subsequent interest rate hikes have had significant financial implications. In 2023, the Fed reported a negative net income of 114.3 billion U.S. dollars, a stark contrast to the 58.84 billion U.S. dollars profit in 2022. This unprecedented shift was primarily due to rapidly rising interest rates, which caused the Fed's interest expenses to soar to over 281 billion U.S. dollars in 2023. Despite this, the Fed's net interest income on securities acquired through open market operations reached a record high of 174.53 billion U.S. dollars in the same year.

The benchmark interest rate In the Euro Area was last recorded at 2.65 percent. This dataset provides - Euro Area Interest Rate - actual values, historical data, forecast, chart, statistics, economic calendar and news.

This analysis presents a rigorous exploration of financial data, incorporating a diverse range of statistical features. By providing a robust foundation, it facilitates advanced research and innovative modeling techniques within the field of finance.

Is There a Netflix Effect on Unemployment? A Statistical Exploration

Financial data:

• Historical daily stock prices (open, high, low, close, volume)

• Fundamental data (e.g., market capitalization, price to earnings P/E ratio, dividend yield, earnings per share EPS, price to earnings growth, debt-to-equity ratio, price-to-book ratio, current ratio, free cash flow, projected earnings growth, return on equity, dividend payout ratio, price to sales ratio, credit rating)

• Technical indicators (e.g., moving averages, RSI, MACD, average directional index, aroon oscillator, stochastic oscillator, on-balance volume, accumulation/distribution A/D line, parabolic SAR indicator, bollinger bands indicators, fibonacci, williams percent range, commodity channel index)

Machine learning features:

• Feature engineering based on financial data and technical indicators

• Sentiment analysis data from social media and news articles

• Macroeconomic data (e.g., GDP, unemployment rate, interest rates, consumer spending, building permits, consumer confidence, inflation, producer price index, money supply, home sales, retail sales, bond yields)

Potential Applications:

• Stock price prediction

• Portfolio optimization

• Algorithmic trading

• Market sentiment analysis

• Risk management

Use Cases:

• Researchers investigating the effectiveness of machine learning in stock market prediction

• Analysts developing quantitative trading Buy/Sell strategies

• Individuals interested in building their own stock market prediction models

• Students learning about machine learning and financial applications

Additional Notes:

• The dataset may include different levels of granularity (e.g., daily, hourly)

• Data cleaning and preprocessing are essential before model training

• Regular updates are recommended to maintain the accuracy and relevance of the data

According to Cognitive Market Research, the global stock music market size will be USD 1358.2 million in 2024 and will expand at a compound annual growth rate (CAGR) of 9.00% from 2024 to 2031.

North America held the major market, accounting for more than 40% of global revenue. With a market size of USD 543.28 million in 2024, it will grow at a compound annual growth rate (CAGR) of 7.2% from 2024 to 2031.
Europe accounted for a share of over 30% of the global market size of USD 407.46 million.
Asia Pacific held a market of around 23% of the global revenue with a market size of USD 312.39 million in 2024 and will grow at a compound annual growth rate (CAGR) of 11.0% from 2024 to 2031.
Latin America's market has more than 5% of the global revenue, with a market size of USD 67.91 million in 2024, and will grow at a compound annual growth rate (CAGR) of 8.4% from 2024 to 2031.
The Middle East and Africa held the major markets, accounting for around 2% of the global revenue. The market was USD 27.16 million in 2024 and will grow at a compound annual growth rate (CAGR) of 8.7% from 2024 to 2031.
The large businesses segment held the highest Stock music market revenue share in 2024.

Market Dynamics of Stock Music Market

Key Drivers for Stock 004Dusic Market

Increasing Acceptance of Video and Audio Streaming to Increase the Demand Globally

One key driver in the stock music market is the increasing acceptance of video and audio streaming. This surge in demand creates opportunities for stock music providers, who offer affordable, royalty-free tracks that content creators can easily license for their projects. Consequently, the stock music market experiences growth as it caters to the evolving needs of the digital media landscape.

Advances in Technology to Propel Market Growth

Another key driver in the stock music market is the advances in technology. DAWs offer accessible tools for creating high-quality music, reducing barriers to entry for aspiring composers. Simultaneously, online platforms provide a global marketplace for licensing music, enabling creators to reach wider audiences and monetize their work efficiently. These technological advancements have catalyzed exponential growth in the stock music market, fostering a vibrant ecosystem of supply and demand.

Restraint Factor for the Stock Music Market

Clearance and Releases to Limit the Sales

One key restraint in the stock music market is the challenge of clearance and releases. Restraints in this market often involve limitations on the usage of licensed music, including restrictions on distribution channels, geographical regions, and duration of use. Clearance refers to the process of obtaining legal permission to use copyrighted music, while releases indicate the documentation of such permissions. These mechanisms ensure compliance with copyright laws and protect both the rights of content creators and the interests of licensees.

Impact of Covid-19 on the Stock Music Market

The stock music market has experienced both challenges and opportunities due to the impact of COVID-19. Initially, demand surged as businesses and content creators sought music for online content during lockdowns. However, as economic uncertainty lingered, some clients reduced spending, impacting revenue streams for stock music platforms and composers. Yet, the shift to remote work also opened new opportunities as freelancers sought additional income streams. Overall, while the market faced challenges, it also adapted, showcasing resilience amidst the pandemic's disruption. Introduction of the Stock Music Market

Stock music refers to pre-recorded music licensed for specific uses, such as background music in videos, commercials, or presentations. It is typically available for purchase or licensing through online platforms or specialized libraries. Stock music offers affordable, convenient options for content creators seeking high-quality soundtracks without the expense of custom compositions. One of the key drivers bolstering the growth of the stock music market is the growing popularity of customizable music. Offering flexibility in tone, tempo, and instrumentation, it allows creators to tailor soundtracks precisely to match their content, enhancing engagement and emotional resonance. This trend is fueled by the expanding digital content landscape, where originality and personalization are valued. Additionally, the accessibility of online...

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); ...).

According to Cognitive Market Research, the global Financial Wellness Benefits market size is USD 2151.2 million in 2024 and will expand at a compound yearly growth rate (CAGR) of 14.00% from 2024 to 2031.

North America holds the major market of more than 40% of the global revenue with a market size of USD 860.48 million in 2024 and will rise at the compound annual growth rate (CAGR) of 12.2% from 2024 to 2031.
Europe accounts for a share of over 30% of the global market size of USD 645.36 million.
Asia Pacific holds the market of around 23% of the global revenue with a market size of USD 494.78 million in 2024 and will rise at a compound annual growth rate (CAGR) of 16.0% from 2024 to 2031.
Latin America holds the market of more than 5% of the global revenue with a market size of USD 107.56 million in 2024 and will rise at the compound yearly growth rate (CAGR) of 13.4% from 2024 to 2031.
Middle East and Africa holds the major market of around 2% of the global revenue with a market size of USD 43.02 million in 2024 and will rise at a compound annual growth rate (CAGR) of 13.7% from 2024 to 2031.
The one-on-one holds the highest Financial Wellness Benefits market revenue share in 2024.

Market Dynamics of Financial Wellness Benefits Market

Key Drivers for Financial Wellness Benefits Market

Rising Recognition by Employers of the Importance of Supporting Employees' Financial Well-Being to Increase the Demand Globally

The recognition by employers of the importance of supporting employees' financial well-being is a significant driver for the growth of the Financial Wellness Benefits Market. As employers become more aware of the impact of financial stress on employee productivity, job satisfaction, and overall wellness, they are increasingly investing in financial wellness benefits as the part of their employee benefits packages. These benefits may include financial education programs, access to financial advisors, retirement planning assistance, debt management tools, and employer-sponsored savings programs. By offering these resources, employers aim to empower their employees to make informed financial decisions, alleviate financial stressors, and improve their overall financial health. Moreover, supporting employees' financial well-being can lead to reduced absenteeism, lower turnover rates, and enhanced employee morale and loyalty.

Rising Awareness among Employees about the Importance of Financial Literacy to Propel Market Growth

Rising awareness among employees about the importance of financial literacy plays a significant role in driving the growth of the Financial Wellness Benefits Market. As individuals become increasingly aware of the complexities of personal finance and the long-term implications of their financial decisions, there is a growing demand for support and guidance in managing finances effectively. Employees are seeking resources and tools to enhance their financial literacy, including budgeting, saving, investing, and retirement planning. Employers are responding to this demand by offering comprehensive financial wellness benefits as part of their employee benefits packages. These benefits often include access to financial education programs, workshops, online resources, and one-on-one financial counseling services. By offering employees with the tools and knowledge to make informed financial decisions, employers not only support their workforce's well-being but also foster a more engaged and productive workforce.

Restraint Factor for the Financial Wellness Benefits Market

Lack of Employee Engagement and Utilization of Available Financial Wellness Benefits to Limit the Sales

Despite employers offering these benefits, some employees may not fully understand their value or may not actively seek out resources due to various reasons such as time constraints, lack of interest, or perceived complexity of financial topics. Additionally, employees may feel uncomfortable discussing personal financial matters with their employers or may be hesitant to seek help due to privacy concerns. Furthermore, the effectiveness of financial wellness benefits depends heavily on employees' willingness to participate and apply the knowledge gained to their financial situations. Without adequate engagement and utilization, the impact of these benefits on employees' financial well-being may be limited. Therefore, addressing barriers to ...