Group 1 - The article discusses the outlook for the year 2026, focusing on market predictions and trends [1][2] - It is sponsored by Discovery Silver, a company listed on the TSX under the ticker DSV, indicating a focus on silver market dynamics [1][2] Group 2 - Ernest Hoffman is identified as a Crypto and Market Reporter for Kitco News, with over 15 years of experience in market news and journalism [3] - The article emphasizes the author's background and expertise in economic news, which may lend credibility to the insights provided [3]

Archer-Daniels-Midland Company (NYSE:ADM) is included among the 12 Best Income Stocks to Buy Now. Regulatory Delays and Weakening Margins Weigh on Morgan Stanley’s ADM Outlook On December 16, Morgan Stanley analyst Steven Haynes downgraded Archer-Daniels-Midland Company (NYSE:ADM) to Underweight from Equal Weight and cut the price target to $50 from $57. The firm said expectations tied to the Environmental Protection Agency’s renewable volume obligation now stretch into 2026, masking additional downside ...

以一笔总额100万元、期限30年的首套房公积金贷款为例，采用等额本息还款方式，利率下调后，月还 款额将从4135.57元降至4003.40元，每月减少132.17元；整个贷款周期总利息支出可节省4.76万元，有效 减轻借款人的长期还款压力。 职工若想查询本人贷款执行的具体利率，可通过"昆明公积金"微信小程序等官方渠道进行查询。 本报讯 记者徐晓俊报道 记者从昆明市住房公积金管理中心获悉，自2026年1月1日起，在2025年5月8日 前已发放的存量个人住房公积金贷款利率将自动下调。借款职工无需办理任何手续，即可享受降息带来 的月供减少实惠。 根据《中国人民银行关于下调个人住房公积金贷款利率的通知》，自2025年5月8日起，个人住房公积金 贷款利率已统一下调0.25个百分点。此次政策明确，对于在该日期前已发放的存量贷款，其利率调整将 于2026年1月1日自动生效。2025年5月8日（含）之后新发放的贷款，已直接执行下调后的新利率。 利率调整具体标准为：贷款期限5年（含）以下的，首套房利率由2.35%降至2.1%，二套房利率由 2.775%降至2.525%；贷款期限5年以上的，首套房利率由2.85%降至2.6%，二 ...

Core Insights - The yield on the 10-year Treasury note finished at 4.18% on December 31, 2025, while the 2-year note ended at 3.47% and the 30-year note at 4.84% [1] - The inverted yield curve, where longer-term Treasury yields are lower than shorter-term yields, is a reliable leading indicator for recessions, with the 10-2 spread turning negative before recessions [2][3] - The average lead time to a recession based on the first negative spread date is approximately 48 weeks, while using the last positive spread date yields an average lead time of 18.5 weeks [4][6] Treasury Yield Analysis - The 10-3 month spread also indicates lead times to recessions ranging from 34 to 69 weeks, with similar patterns observed as in the 10-2 spread [5] - The most recent negative spread for the 10-2 occurred from July 5, 2022, to August 26, 2024, while the 10-3 month spread was negative from October 25, 2022, to December 12, 2024 [3][5] Mortgage Rate Trends - The Federal Funds Rate (FFR) influences borrowing costs, and typically, an increase in the FFR leads to higher mortgage rates; however, recent trends show mortgage rates declining despite the Fed's rate-cutting cycle starting in September 2024 [7] - The latest Freddie Mac Weekly Primary Mortgage Market Survey reported the 30-year fixed mortgage rate at 6.15%, the lowest since October 2024 [7] Market Behavior and Federal Reserve Influence - Federal Reserve policy has significantly influenced market behavior, particularly in relation to Treasury yields and mortgage rates [8]

（来源：名城苏州网） 转自：名城苏州网 五、票据市场运行情况 一、债券市场发行情况 11月份，债券市场共发行各类债券70179.3亿元。国债发行10444.2亿元，地方政府债券发行9126.9亿 元，金融债券发行11955.0亿元，公司信用类债券1发行13948.8亿元，信贷资产支持证券发行327.2亿 元，同业存单发行24009.2亿元。 截至11月末，债券市场托管余额196.3万亿元。其中,银行间市场托管余额173.0万亿元，交易所市场托管 余额23.2万亿元。分券种来看，国债托管余额40.1万亿元，地方政府债券托管余额54.3万亿元，金融债 券托管余额44.6万亿元，公司信用类债券托管余额34.8万亿元，信贷资产支持证券托管余额1.0万亿元， 同业存单托管余额20.3万亿元。商业银行柜台债券托管余额2740.7亿元。 二、债券市场运行情况 11月份，银行间债券市场现券成交30.5万亿元，日均成交1.5万亿元，同比增加7.6%，环比增加3.2%。 单笔成交量在500-5000万元的交易占总成交金额的47.9%，单笔成交量在9000万元以上的交易占总成交 金额的45.2%，单笔平均成交量4154.9万元。交 ...

Core Insights - Ray Dalio emphasizes the importance of gold as a diversifier in investment portfolios, especially during economic downturns [1][5][6] - Gold has seen a significant price increase of over 70% in the past year, attracting renewed interest from local prospectors [2][4] - Experts suggest that a 25% allocation to gold in investment portfolios is reasonable, viewing it as an insurance policy against dollar weakness [7] Gold as an Investment - Gold is regarded as a safe haven asset, not subject to unlimited printing by central banks, making it a hedge against inflation [5] - JPMorgan CEO Jamie Dimon predicts that gold prices could rise to $10,000 per ounce, with the current spot price around $4,484 [8] - Gold IRAs offer investors the opportunity to hold physical gold within a retirement account, combining tax advantages with the protective benefits of gold [9] Market Trends - The Federal Reserve Bank of Minneapolis reports that the purchasing power of the U.S. dollar has significantly declined, with $100 in 2025 equating to $12.05 in 1970 [11] - Real estate has also been highlighted as a strong asset for wealth preservation, with housing prices increasing by over 225% in the last 30 years [12] - The current economic environment has made homeownership more challenging, prompting individuals to seek alternative income streams, such as gold prospecting [13]

BREAKING: Tesla Deliveries Due Before Open Today's Spotlight Leaderboard New Year's Sale Start your 2026 investing resolutions with 1 month of Leaderboard for $29. Free Investing Podcast Partner Center Listen to IBD's podcast for new investing tips and trade ideas every week. Subscribe today! Get Market Insights on IBD Live Highly rated GE Aerospace (GE) stock is this week's Big Cap 20 pick to watch, as it looks to retake a flat-base buy point. Shares of the Ohio-based company marched up nearly 84% in 2025, ...

U.K. stock market's benchmark FTSE 100 moved past the 10,000 mark for the first ever time in history thanks to strong buying in defense, mining and energy sectors Friday morning.The FTSE 100, which notched up a gain of nearly 22% in Year 2025, has begun the new year on a fairly strong note.At 9,970.70, the index was up 40.00 points or 0.4% at 9,971.38 nearly an hour before noon. The index touche a new record high of 10,051.90 earlier this morning.Fresnillo gained 2.7%. Glencore moved up 1.6%, while Anglo A ...

The Bank of England will slash interest rates to their lowest level in more than three years as Britain battles an unemployment crisis, a Swiss lender has claimed. Rates will fall from the present level of 3.75pc to 2.75pc after the summer, according to Lombard Odier. The figure would be the Bank Rate’s lowest point since November 2022, coming close to the Bank’s target of 2pc. Such a drastic cut would benefit homeowners and businesses, who could borrow more to invest, and would be driven by ructions in ...

Spread the loveCalifornia state experiences a payroll contraction during the first eight months of 2025, marking the largest job decline since COVID. The state’s 5% unemployment rate is above the national average and has remained so for the past 19 consecutive months. Over 173,000 jobs disappeared from California from January to November 2025, a 14% annual increase, with the tech sector alone shedding 75,262 jobs.Fannie Mae is fleeing San Francisco to Birmingham in 2026 as it has become impossible to conduc ...