The HELOC interest rate today remains under 9%. The cash from a home equity line of credit can be used for just about anything, and one lender, Better, claims that its customers have paid off more than $193 million in debt from the HELOCs it has issued. Dig deeper: Is it a good idea to get a HELOC? Here are the pros and cons. HELOC rate Sunday, September 21, 2025 According to Bank of America, the largest HELOC lender in the country, today's average APR on a 10-year draw HELOC remains 8.72%. That is a v ...

⚡ LATEST: Per the CME, there is now a 91.9% chance of 25 bps rates in October. https://t.co/iCicV2dDSV ...

This is wild. Look at the 19 different Fed leaders predictions for interest rates the rest of 2025. You can see the tension at the Fed in just one chart.One person wants to hike rates. Six people think the Fed should keep rates the same. Two favor one additional cut. Nine people favor two additional cuts.And then there's even one person who everyone thinks is Steven Myron who wants the equivalent of five rate cuts by the year end. It's likely that we're going to get two more cuts, one in October and one in ...

Economic Overview - Canadian GDP data for July and flash estimates for August will provide insights into the economic recovery after a 1.6% contraction from April to June due to the US tariff war [1] - The US economy shows early signs of recovery, with August spending data expected to indicate brisk consumer spending despite tepid income growth [2] Federal Reserve Insights - Fed Chair Jerome Powell indicated a cooling labor market as a reason for the first interest rate cut of the year, while remaining vigilant on inflation amid ongoing tariff impacts [4] - A report is anticipated to show a slower growth rate in the personal consumption expenditures price index, providing the Fed some leeway to address labor market weaknesses [5] Central Bank Activities - Bank of Canada Governor Tiff Macklem will discuss trade upheaval's effects on inflation and rates, while Statistics Canada will release population estimates amid post-pandemic immigration challenges [6] - Several central banks, including those in Sweden, Switzerland, and Hungary, are expected to maintain current rates, while Mexico and Nigeria are likely to implement cuts [7] Global Economic Indicators - Flash purchasing manager indexes (PMIs) in Asia and Europe will be closely monitored, with key readings from Australia and India expected to show service sector momentum [9] - Japan's midweek PMIs and retail sales data will provide insights into household spending, critical for the Bank of Japan's policy discussions [10] China Economic Data - China's August industrial profits will be reported, assessing corporate earnings stability after months of deflationary pressure, with government spending growth slowing [11] Latin America Economic Developments - Brazil's central bank will release minutes from its recent rate-setting meeting, maintaining a key rate of 15% amid high inflation [19] - Mexico is expected to continue its streak of rate cuts, with analysts anticipating a reduction to 7.5% as inflation remains within the central bank's tolerance range [22][23]

Market Expectations - Market anticipates a high probability of a Federal Reserve (FED) rate cut in October, with odds jumping to 91.9% [1]

39 DAYS UNTIL THE NEXT RATE CUT! 🚨 https://t.co/rH28SqmTwS ...

Wall Street is betting that interest rates are poised to come down faster than the Fed does—a wager that already is boosting the economy and markets by making it cheaper for Americans to borrow https://t.co/TVW5ceKujS ...

The Fed cut rates for the first time this year and penciled in two more for next year, pointing to growing signs of weakness in the US labor market https://t.co/PtpdLlvm66 ...

Market Outlook - 314 Research maintains its S&P 500 target of 6,800 for 2025, approximately 2% from current levels [1] - The equity market experienced two positive developments from the Fed this week, supporting a continued long position in the bull market [2] - A potential growth scare, with an estimated one-third chance of occurring in the coming months, could lead to a 7-8% pullback in the equity market [9] - In a growth scare scenario, the 10-year Treasury yield could potentially drop below 350 basis points (35%), although this is not the base case [11] Fed Policy & Economic Indicators - The market had priced in more rate cuts than the Fed signaled in June, setting a high bar for the Fed to clear [3] - Instances where the Fed moves slightly towards market expectations after high expectations have historically been positive for equities in the following quarter [4] - The Fed is effectively lowering the real Fed funds rate (nominal Fed funds rate minus inflation projections) across 2025-2027 [6] - The Fed may be more concerned about the labor market than they are letting on, potentially anticipating a larger left tail risk [16][17] Portfolio Strategy - 314 Research is pressing longs into year-end, paired with an overweight bond position [10] - Investors should prepare their portfolios for potential risks, particularly related to growth concerns [17] - During a growth scare, equities tend to experience increased volatility, with potential drawdowns, while bonds rally [9][16]

Market Overview - The economy and inflation are likely to run warm to hot, creating a bifurcated market [1][2] - The Fed wants the economy to do well and has the opportunity to cut rates if needed, supporting the environment [3] Investment Opportunities - Opportunities exist in stocks that benefit from pricing power and are not overleveraged, especially with low valuations [2][3] - Focus on finding undervalued pockets likely to outpace inflation due to their ability to raise prices [3] Specific Sectors of Interest - Autolevered stocks and consumer discretionary retail are interesting sectors [5] - Auto OEMs are managing tariffs better than anticipated, with strong demand despite high prices [5] - Auto dealers benefit from a strong market and 40% of their volumes in parts and service, with low valuations [7] - Multiple retailers in consumer discretionary, including apparel and jewelry retail, are in turnaround situations with low valuations [8] Risk Considerations - Cost pressures from tariffs and inflation are already priced into some stocks [4][8] - Concerns over high auto prices exist, but demand remains strong [5]