Forex Trading

A higher-than-consensus NFP reading implies that the US economy is strong. Traders and investors tend to be bullish on the USD after a positive NFP reading. A weaker-than-consensus NFP reading shifts investor sentiment bearish, and the USD could plummet as it implies a contracting US economy. Traders who understand the interpretation of NFP numbers trade in line with market sentiment and get accurate trade entries and exits. Many Forex broker platforms send out alerts or notifications to clients about the upcoming NFP release, giving them time to prepare their strategies and adjust positions accordingly.

Learn to Trade

We can also see that there was a round number resistance level at 1.040 that what are major minor and exotic currency pairs was a good level to key off, post the NFP report. As you can see on the chart, there was a bit of whip back and forth on the bar when the NFP report was released. That way you are buying strong pairs above key resistance and shorting weak pairs below support, with a fundamental catalyst behind them. However, in the minutes following the release, the price will start to move and ideally trend in one direction. Firstly, you need to identify the forex pair that might be most impacted by the result.

Please read our RDN and other legal documents and ensure you fully understand the risks before you make any trading decisions. As is evident from the GBP/USD chart above, once Friday’s NFP high/low was broken in most cases the pair continued to trade in the direction of the breakout. A simple strategy would be to place a buy limit order above Friday’s high and a sell limit order below Friday’s low. The price should move at least 30 pips within 15 to 30 minutes of the NFP release.

TRADING THE NFP DATA RELEASES: TOP TIPS & FURTHER READING

1. The expected headline number was +3,000k (meaning an addition of 3 million jobs to the economy), but the actual headline figure came to +4,800k (meaning 4.8 million jobs were added to the economy).
2. The NFP report shows the total number of paid workers in America not including seasonal farm workers, government workers, private household employees and employees of nonprofit organizations.
3. Those pairs where the USD is the base currency will strengthen; and those where the USD is the quote currency will weaken.
4. As is evident from the GBP/USD chart above, once Friday’s NFP high/low was broken in most cases the pair continued to trade in the direction of the breakout.

Forex trading broker platforms adjust their order execution policies during NFP data release, limiting the chances of slippage. The broker platforms may limit the types of orders that can be placed, ensuring that the execution price of an order doesn’t significantly differ from the intended price. Forex traders must remain alert around NFP releases as these can be accompanied by sudden rises in volatility. If the NFP is growing, this is a good indication that the economy is growing and vice versa. However, if the growth in non-farm payroll occurs at a particularly fast rate, this may lead to an zilliqa news analysis and price prediction increase in inflation.

Although NFP data is more intensely followed by foreign exchange traders it affects virtually all financial markets. It affects financial markets through its influence on economic growth forecasts, interest rate expectations and sentiment. Positive reports usually provide a positive catalyst for equity markets, bond yields and the USD. As a general rule of thumb the US needs to add more than 100,000 new jobs per month just to keep pace with growth in the working age population. The nonfarm payroll report is viewed as an indication of economic strength.

What is an Example of a Non-Farm Payroll Report in Forex?

Any release above that figure or the estimated consensus will help to fuel U.S. dollar gains. The report consistently causes one of the most significant rate movements of any news announcement in the foreign exchange (forex) market. As a result, many analysts, traders, investors, funds, and speculators anticipate the NFP number and its impact on forex. Consensus plays a key role in the currency market reaction to the data since a strong result, when expected, can be fully factored into the current price. Therefore, big moves are often the result of a relative surprise compared to the consensus.

Trading Knowledge

Understanding non-farm payroll meaning and its implications can give you the edge you need to navigate the volatility, but always remember to use proper risk management strategies to protect your account. In this blog, we’ll define the NFP, explain its importance, and look at why market conditions change during NFP week, as well as why traders—especially those not focused on news trading—should approach it with caution. A surge in volatility occurs after the release of NFP data since it is under the watchful eye of institutions and retail traders trying to enter new or liquidate existing positions. Nonfarm Payrolls (NFP) are part of the US Bureau of Labor Statistics monthly jobs report. The Nonfarm Payrolls component specifically measures the change in the number of people employed in the US during the previous month, excluding the farming industry. As prices increased fast, central banks had no choice but to lift interest rates because by doing so it contributes to tame inflation.

The non-farm payroll report causes one of the consistently largest rate movements of any news announcement in the Forex market. As a result, many analysts, traders, funds, investors and speculators anticipate the NFP number and the directional movement it will cause. With so many different parties watching this report and interpreting it, even when the number comes in line with estimates, it can cause large rate swings. Learn how to trade this move without getting knocked out by the irrational volatility it can create. In this article, you will learn how to trade this move without getting knocked out by the irrational volatility it can create.

The NFP report generally affects all major currency pairs, but one of the favorites among traders is the British pound/U.S. Because the forex market is open 24 hours a day, all traders can trade on the news event. The July NFP report showed that the US economy created 114,000 jobs, well below what economists had expected. This outcome put the US Dollar in a selling spiral as investors rushed to price in an interest rate cut in Trading mistakes the Fed’s September meeting.

Traders and investors often change trading strategies before and after releasing NFP data. The traders position their trades ahead of the NFP release based on expectations derived from other economic indicators and adjust the positions once the NFP data is released. The actual NFP numbers allow market participants to capitalize on the resulting volatility and shift in investor sentiment. The NFP report consistently causes one of the largest rate movements of any news announcement in the foreign exchange (forex) market. As a result, many analysts, traders, funds, investors, and speculators anticipate the NFP number and the impact that it will have on currency pairs, commodities, and stocks.

Bitcoin can process up to seven transactions per second, any of which can take more than two hours to clear. Compare that with a traditional payments service like Visa that averages 2,000 transactions per second and you can see that Bitcoin does not have the scalability to meet typical customer demands. The comments, opinions, and analyses expressed on Investopedia are for informational purposes online. As of the date this article was written, the author does not own cryptocurrency.

VM Modular Network: Advancing Bitcoin Rollup Layer 2…

By the way, our XRP’s Price Prediction from 2022 to 2030 article will help you better understand what to expect from this cryptocurrency in the coming years. In the case of XRP, the blockchain-based protocol is called XRP Ledger —an open-source, permissionless, distributed ledger that has the ability to settle transactions in 3 to 5 seconds. Non-custodial exchanges, also known as decentralized exchanges, do not manage a user’s private keys, and publish decentralized order books of buyers and sellers on a blockchain. Futures, options and swap exchanges allow people to buy and sell standardized contracts of cryptocurrency market rates in the future. XRP can be sent directly without needing a central intermediary, making it a convenient instrument in bridging two different currencies quickly and efficiently. It is freely exchanged on the open market and used in the real world for enabling cross-border payments and microtransactions.

1. It all started when Ryan Fugger, a web developer from Canada, created RipplePay.
2. Investors also use it to store value and profit from price fluctuations.
3. Indeed, Gensler’s departure is seen as a pivotal move by the Trump administration to appease the cryptocurrency sector.
4. The only major L-1 blockchain that’s built for business and designed specifically to power finance use cases and applications at scale.
5. Created in 2012 specifically for payments, XRP can settle transactions on the ledger in 3-5 seconds.
6. Binance and Coinbase, however, lead DOGE trading volumes across global exchanges.

They use different systems to verify transactions

Over the last 32 months, 32 billion XRPs have been released from escrow, and euro to mexican peso exchange rate convert eur 26.7 billion have been returned. A financial professional will offer guidance based on the information provided and offer a no-obligation call to better understand your situation. Our writing and editorial staff are a team of experts holding advanced financial designations and have written for most major financial media publications. Our work has been directly cited by organizations including Entrepreneur, Business Insider, Investopedia, Forbes, CNBC, and many others. However, XRP was one of the worst-performing digital currencies in 2020, losing over 90% of its value from its high in 2018.

Key facts today

Yes, you can buy XRP legally on any of the regulated exchanges in the U.S. Here are some crypto exchange and app options that allow you to purchase XRP. The Opencoin company helped develop the XRP Ledger, but it was rebranded to Ripple Labs (now known as Ripple). It maintained its involvement in the project, which was and remains open source. Erika Rasure is globally-recognized as a leading consumer economics subject matter expert, researcher, and educator. She is a financial therapist and transformational coach, with a special interest in helping women learn how to invest.

Here at NewsBTC, we are dedicated to enlightening everyone about bitcoin and other cryptocurrencies. Some investors believe XRP’s use by financial institutions via RippleNet could significantly drive up demand for the cryptocurrency. Proponents say that the price of XRP will continue to go up as demand grows and supply drops slightly. Caden has been involved with crypto since 2018, when he began investing, trading, and mining tokens. He took part in undergraduate research studying cryptoeconomics at the University of Michigan, where he will graduate Phi Beta Kappa with a bachelor’s in economics in 2025.

This flexibility allows banks to reduce their transaction costs while maintaining control over their operations. Ripple is the company behind XRP, and it’s a payment settlement system and currency exchange network that can process transactions globally. Ripple is a money transfer network designed to serve the needs of the financial services industry.

XRP price

However, it can also do the same for other cryptocurrencies and fiat currencies. There are several exchanges where Ripple and its cryptocurrency token XRP is traded. A prospective user must first open and validate an account on one of these exchanges. Ripple is a technology company whose solutions use XRPL, XRP, RLUSD, and other digital assets. Ripple is also a holder of XRP and one of many developers building on and contributing to the XRP Ledger. Some wallets also facilitate buying XRP directly, but the fees might be higher using them.

The Ripple network doesn’t use blockchain mining to verify transactions. Instead, 10 great ways to learn stock trading in 2021 it uses a unique distributed consensus mechanism in which participating nodes take a poll to make sure a transaction is real. Although the XRP cryptocurrency is decentralized, it’s still tied to a private company in Ripple. While the connection between Ripple and XRP doesn’t matter to many investors, some crypto enthusiasts view it as a negative. Spot exchanges allow people to buy and sell cryptocurrencies at current (spot) market rates.

The original founders pre-mined (created at the time of the ledger’s launch) 100 billion XRP tokens in 2012. The founders provided Ripple with 80 billion tokens to fund future operations and development, while the founders divided the remaining XRP among themselves. Some exchanges that offer Ripple include Bithumb, Binance, and Bitstamp. This modified process allows the tron current price 0 06 usd Ripple network to execute around 1,500 transactions per second. This makes it faster when compared to Bitcoin, which can process around seven transactions per second and Ethereum, which can process twenty transactions in the same amount of time. Ripple (XRP) is a real-time gross settlement system (RTGS) that specializes in money transfers, currency exchanges, and remittances.

Attorney’s Office for the Eastern District of New York and the Criminal Division’s Fraud Section. The charges in the indictment are allegations and the defendants are presumed innocent unless and until proven guilty. Carman Louie, with Donald’s Market on East Hastings Street, said produce has become more expensive, along with products such as olive oil but there is a way to keep costs low. “When the currency gets on a roll, as it was, and then to have something else come along to give it another kick to the upside, like the election of Trump, the U.S. dollar then accelerated on the upside,” Adair added.

USDCAD chart

“These defendants misappropriated public funds through a brazen kickback scheme,” stated United States Attorney best cryptocurrency to invest in Peace. “When corrupt employees siphon public funds to line their own pockets, the neediest New Yorkers… The lower loonie can also boost TSX company earnings.

“The defendant defrauded taxpayer-funded mortgage loan holders out of millions of dollars and took advantage of programs designed to help distressed property owners should i buy ford motor company in need,” stated United States Attorney Peace. In July 2022, Mr. Peace was selected as the Chairperson of the White Collar Fraud subcommittee for the Attorney General’s Advisory Committee (AGAC). Canada’s currency sunk below 72 cents US this week for the first time in more than four years, breaking through the 72 to 76 cent band it has been trading within in recent months. The day range on the loonie was 71.32 US cents to 71.64 US cents in early trading. The Canadian dollar was down about 0.5 per cent against the greenback over the past month.

Bitcoin Inches Closer to $100K Amid Record $3.4T Crypto Market Cap

So they’ll get excited when the dollar is high and disappointed when the dollar is low. Schamotta says over the past couple of years the U.S. economy has expanded while economic growth has flatlined in Canada, giving currency traders a clear contrast. “We are one of the most interest rate sensitive economies in the world. We’ve been hit hard by the rise in inflation and interest rates in particular,” said Porter. But it will also drive up prices of anything imported from the United States.

“But right now, we don’t know what tariffs could look like. There are integrated supply chains between the U.S. and Canada, so it’s not even in all of U.S. businesses’ interest to have tariffs on Canadian goods.” The interest rate gap between the two countries could grow even more, depending on what president-elect Trump does once in office. Canada’s economy in recent months has not shown the same strength as south of the border, and as a result the Bank of Canada has moved to cut interest rates faster than its U.S. counterpart in an effort to avoid a recession. The weak loonie is also a reflection of the interest-rate divergence between Canada and the U.S.

‘Her shoe got sucked into the escalator’: Toronto family warns of potential risk of wearing Crocs

The Canadian-Dollar Effective Exchange Rate index (CERI) was replaced by the Canadian Effective Exchange Rate index (CEER) as of January 2018. Download our legacy noon and closing rates data. These rates were last updated 28 April 2017 using the Bank’s old calculation methodology, and will not be updated in future. Need to know when a currency hits a specific rate? The Xe Rate Alerts will let you know when the rate you need is triggered on your selected currency pairs. The Department of Justice’s Office of International Affairs and the SEC’s New York Regional and Boston Regional offices provided valuable assistance during the investigation.

With the U.S. economy seeing stronger growth, there’s less pressure and expectations of the path to lower rates from the U.S. The biggest driver of the split between the Canadian and U.S. dollar is what is a cross rate and how to derive one the diverging economic outlooks, and the interest rate decisions linked to those. That’s because the higher the central bank interest rate, the more worthwhile it is to hold that country’s currency.

Canada’s tax relief plan: Who gets a cheque?

Schedule international transfers and manage foreign exchange risk across 130 currencies in 190+ countries. The CEER index is a weighted average of bilateral exchange rates for the Canadian dollar against the currencies of Canada’s major trading partners. Banks often advertise free or low-cost transfers, but add a hidden markup to the exchange rate. Wise gives you the real, mid-market, exchange rate, so you can make huge savings on your international money transfers.

1. And currency fluctuations are crucial for the company’s bottom line.
2. The Canadian-Dollar Effective Exchange Rate index (CERI) was replaced by the Canadian Effective Exchange Rate index (CEER) as of January 2018.
3. So they’ll get excited when the dollar is high and disappointed when the dollar is low.
4. Authors and topics you follow will be added to your personal news feed in Following.
5. Global stocks were mixed as investors turned to safe haven assets such as gold and oil after the Russia-Ukraine conflict escalated.
6. The government’s case is being handled by the Business and Securities Fraud Section of the U.S.

Wise is a Money Service Business registered with FinCen. In other states, the program is sponsored by Community Federal Savings Bank, to which we’re a service provider. Create a chart for any currency pair in the world to see their currency history. These currency charts use live mid-market rates, are easy to use, and are very reliable.

Inflation, debt and government spending started weighing down the dollar. Bank of Montreal’s chief economist Douglas Porter says Canadians were already feeling the pinch of higher prices for just about everything and increased borrowing costs. Now, he says, the cost of just about anything imported from the U.S. is rising as well. “We sell our oil in U.S. dollars, and get U.S. dollars for them, and then convert them back. So today, Surge is getting about $97-$98 Canadian per barrel for our oil, which is a very attractive price,” said Colborne.

Attorney’s Office for the Eastern District of New York and the Criminal Division’s Fraud Section. The charges in the indictment are allegations and the defendants are presumed innocent unless and until proven guilty. Carman Louie, with Donald’s Market on East Hastings Street, said produce has become more expensive, along with products such as olive oil but there is a way to keep costs low. “When the currency gets on a roll, as it was, and then to have something else come along to give it another kick to the upside, like the election of Trump, the U.S. dollar then accelerated on the upside,” Adair added.

USDCAD chart

“These defendants misappropriated public funds through a brazen kickback scheme,” stated United States Attorney best cryptocurrency to invest in Peace. “When corrupt employees siphon public funds to line their own pockets, the neediest New Yorkers… The lower loonie can also boost TSX company earnings.

“The defendant defrauded taxpayer-funded mortgage loan holders out of millions of dollars and took advantage of programs designed to help distressed property owners should i buy ford motor company in need,” stated United States Attorney Peace. In July 2022, Mr. Peace was selected as the Chairperson of the White Collar Fraud subcommittee for the Attorney General’s Advisory Committee (AGAC). Canada’s currency sunk below 72 cents US this week for the first time in more than four years, breaking through the 72 to 76 cent band it has been trading within in recent months. The day range on the loonie was 71.32 US cents to 71.64 US cents in early trading. The Canadian dollar was down about 0.5 per cent against the greenback over the past month.

Bitcoin Inches Closer to $100K Amid Record $3.4T Crypto Market Cap

So they’ll get excited when the dollar is high and disappointed when the dollar is low. Schamotta says over the past couple of years the U.S. economy has expanded while economic growth has flatlined in Canada, giving currency traders a clear contrast. “We are one of the most interest rate sensitive economies in the world. We’ve been hit hard by the rise in inflation and interest rates in particular,” said Porter. But it will also drive up prices of anything imported from the United States.

“But right now, we don’t know what tariffs could look like. There are integrated supply chains between the U.S. and Canada, so it’s not even in all of U.S. businesses’ interest to have tariffs on Canadian goods.” The interest rate gap between the two countries could grow even more, depending on what president-elect Trump does once in office. Canada’s economy in recent months has not shown the same strength as south of the border, and as a result the Bank of Canada has moved to cut interest rates faster than its U.S. counterpart in an effort to avoid a recession. The weak loonie is also a reflection of the interest-rate divergence between Canada and the U.S.

‘Her shoe got sucked into the escalator’: Toronto family warns of potential risk of wearing Crocs

The Canadian-Dollar Effective Exchange Rate index (CERI) was replaced by the Canadian Effective Exchange Rate index (CEER) as of January 2018. Download our legacy noon and closing rates data. These rates were last updated 28 April 2017 using the Bank’s old calculation methodology, and will not be updated in future. Need to know when a currency hits a specific rate? The Xe Rate Alerts will let you know when the rate you need is triggered on your selected currency pairs. The Department of Justice’s Office of International Affairs and the SEC’s New York Regional and Boston Regional offices provided valuable assistance during the investigation.

With the U.S. economy seeing stronger growth, there’s less pressure and expectations of the path to lower rates from the U.S. The biggest driver of the split between the Canadian and U.S. dollar is what is a cross rate and how to derive one the diverging economic outlooks, and the interest rate decisions linked to those. That’s because the higher the central bank interest rate, the more worthwhile it is to hold that country’s currency.

Canada’s tax relief plan: Who gets a cheque?

Schedule international transfers and manage foreign exchange risk across 130 currencies in 190+ countries. The CEER index is a weighted average of bilateral exchange rates for the Canadian dollar against the currencies of Canada’s major trading partners. Banks often advertise free or low-cost transfers, but add a hidden markup to the exchange rate. Wise gives you the real, mid-market, exchange rate, so you can make huge savings on your international money transfers.

1. And currency fluctuations are crucial for the company’s bottom line.
2. The Canadian-Dollar Effective Exchange Rate index (CERI) was replaced by the Canadian Effective Exchange Rate index (CEER) as of January 2018.
3. So they’ll get excited when the dollar is high and disappointed when the dollar is low.
4. Authors and topics you follow will be added to your personal news feed in Following.
5. Global stocks were mixed as investors turned to safe haven assets such as gold and oil after the Russia-Ukraine conflict escalated.
6. The government’s case is being handled by the Business and Securities Fraud Section of the U.S.

Wise is a Money Service Business registered with FinCen. In other states, the program is sponsored by Community Federal Savings Bank, to which we’re a service provider. Create a chart for any currency pair in the world to see their currency history. These currency charts use live mid-market rates, are easy to use, and are very reliable.

Inflation, debt and government spending started weighing down the dollar. Bank of Montreal’s chief economist Douglas Porter says Canadians were already feeling the pinch of higher prices for just about everything and increased borrowing costs. Now, he says, the cost of just about anything imported from the U.S. is rising as well. “We sell our oil in U.S. dollars, and get U.S. dollars for them, and then convert them back. So today, Surge is getting about $97-$98 Canadian per barrel for our oil, which is a very attractive price,” said Colborne.

As with all commodities, oil prices are driven by supply and demand. From time to football stocks time new oil resources come online — like Canadian oil sands or US crude oil from oil shale — these add to the global supply. New sources can exert a downward force on oil prices, even in times of heavy demand. Today’s WTI crude oil spot price of $68.03 per barrel is up 2.62% compared to one week ago at $66.29 per barrel. Today’s Brent crude oil spot price is at $71.57 per barrel, up by 1.84% from the previous trading day. In comparison to one week ago ($69.55 per barrel), Brent oil is up 2.90%.

Commodities news

• It requires a deep understanding of the oil market, risk management techniques, and the ability to monitor positions actively.
• As such, global growth can be a driver of increased demand and vice versa for weak global growth.
• West Texas Intermediate (WTI) Oil price advances on Wednesday, according to FXStreet data.

Read on to learn more about the live crude oil price you see historically, or on active trading days. While Brent and WTI have distinct characteristics, their prices are interconnected. Global events, supply and demand factors, and market sentiment can cause prices to converge or diverge between the two benchmarks. An easy way to get breaking news about the crude oil market is to create a Google Alert which will email you top news stories about oil as they occur. The real-time price of Brent crude oil is at $71.57 per barrel, and the price of WTI crude oil is at $68.03 per barrel.

These exchanges provide a platform for participants to buy or sell oil futures contracts. In December 2005 the global demand for crude oil was 83.3 million barrels per day according to the fx choice review International Energy Agency (IEA) and this will continue to rise further. Front-month WTI crude was hovering just above $67 per barrel in early trade, supported by risk sentiment despite a reported build in weekly inventory data. Concerns about weak Chinese demand and a global surplus continue to weigh on crude, with prices currently rangebound between $65 and $68.

Historical Prices for Oil (Brent)

The WTI stands for West Texas Intermediate, one of three major types including Brent and Dubai Crude. WTI is also referred to as “light” and “sweet” because of its relatively low gravity and sulfur content respectively. It is sourced in the United States and distributed via the Cushing hub, which is considered “The Pipeline Crossroads of the World”. It is a benchmark for the Oil market and WTI price is frequently quoted in the media. In Brent crude oil’s instance, these reserves are under the seafloor, while WTI crude oil is extracted from reserves located under dry land.

FXStreet and the author will not be liable for any errors, omissions or any losses, injuries or damages arising from this information and its display or use. WTI crude oil also opened 2021 with an uptrend at $48.27 per barrel. WTI crude had a series of rallies and tumbles to reach a year-high price of $84.06 per barrel in late October 2021. The materials provided on this Web site are for informational and educational purposes only and are not intended to provide tax, legal, or investment advice. Natural gas pulls back as traders react to the EIA report, which indicated that working gas in storage increased by +9 Bcf from the previous week.

Oil Prices Continue Downward Spiral Amid Market Chaos

Their results are usually similar, falling within 1% of each other 75% of the time. The EIA data is considered more reliable, since it is a government agency. Like all assets, supply and demand are the key drivers of WTI Oil price. As such, global growth can be a driver of increased demand and vice versa for weak global growth. Political instability, wars, and sanctions can disrupt supply and impact prices.

Please refer to our Risk Disclosure Statement and Terms & Conditions so as to have a better understanding over the risks involved before you start trading. Brent Oil Exchange Rate (Brent crude) is also up, advancing from the $75.45 price posted on Tuesday, and trading at $75.94. The current exchange of WTI Crude Oil is 68.59 USD — it has increased by 1.79% in the past 24 hours.

Key Data Points

WTI and Brent oil futures can be suitable for individual investors, but they come with inherent risks. Futures trading involves leverage, meaning that a small change in the futures price can result in significant gains or losses. It requires a deep understanding of the oil market, risk management techniques, and the ability to monitor positions actively.

• The reference oil traded most frequently and of major significance for the USA is West Texas Intermediate (WTI), while the most important in Asia is Dubai Fateh.
• Please refer to our Risk Disclosure Statement and Terms & Conditions so as to have a better understanding over the risks involved before you start trading.
• WTI is also referred to as “light” and “sweet” because of its relatively low gravity and sulfur content respectively.
• WTI crude oil also opened 2021 with an uptrend at $48.27 per barrel.
• WTI and Brent oil futures are standardized contracts traded on futures exchanges.

WTI crude oil trades from Sunday through to Friday, 5 PM to 4 PM CT. If you check live prices on Saturdays, you will always see the last recorded WTI crude price from the previous Friday. We also explain what oil blends are (like Brent and WTI), and ways you can speculate on live crude oil spot prices without having to buy physical barrels.

Other significant recent historical highs include $77.74 per barrel in Jul, 2006 and $109.50 per barrel in Aug, 2013. WTI crude oil’s spot price was at $71.39 per barrel one month ago. Compared to today’s price of $68.03 per barrel, the price is down by 4.71%. Exactly one month ago, Brent crude oil’s spot price was at $75.31 per barrel. Compared to today’s price of $71.57 per barrel, the price is down 4.97%.

The author has not received compensation for writing this article, other than from FXStreet. West Texas Intermediate (WTI) Oil price advances on Thursday, early in the European session. WTI trades at $67.42 per barrel, up from Wednesday’s close at $67.01. Brent Oil Exchange Rate (Brent crude) is also up, advancing from the $70.56 price posted on Wednesday, and trading at $70.96.

Watch WTI Crude Oil price performance more closely on the advanced chart. Extraction costs are typically higher for new resources, meaning these oils are only competitive in lower-supply, high-price environments. Brent crude oil opened the year of 2020 amidst an uptrend that began in November 2020 from $38.84 per barrel and continued the rally to $68.72 per barrel until early March 2021.

Energy commodity prices are essential indicators for the oil and gas industry. These prices influence everything from investment decisions to operational strategies. At Valor, we help our clients navigate the complexities of the energy market through our comprehensive mineral management and oil & gas services.

Oil prices are typically quoted per barrel — this is the same for the Brent crude oil spot price. WTI and Brent oil futures are primarily traded on major futures exchanges, such as the New York Mercantile Exchange (NYMEX) for WTI and the Intercontinental Exchange (ICE) for Brent. These exchanges offer electronic trading platforms where traders can execute transactions and manage their positions.

Oil producers, refiners, and other market participants often utilize futures contracts to manage their exposure to price volatility. By taking positions in oil futures, they can offset potential losses from adverse price movements in the physical market, providing a form of insurance against price risks. WTI (West Texas Intermediate) and Brent are two major benchmarks for crude oil prices. WTI represents oil extracted in the United States, primarily from wells in Texas, while Brent represents oil extracted from the North Sea, primarily in the United Kingdom. WTI and Brent oil futures are financial contracts that allow participants to speculate on the future price of crude oil. That’s up by 2.62% from the price of $66.29 per barrel one week ago.

Whether you’re a beginner or an expert, find the right partner to navigate the dynamic Forex market. Marko has been working on the road for Defensive stocks definition over 5 years, and is currently based in Europe. Alongside writing and editing, Marko works on projects related to online technology and digital marketing.

Most stocks in the S&P 500 ended Euro vs.Dollar history the month in the red, with only a few more than 60 names in the broad market index managing to come out higher. Stocks had a rough December — and only a handful of tech stocks bucked the trend. Here’s another sign that the S&P 500’s gains have been very top-heavy this year, primarily thanks to the tremendous outperformance from big cap techs.

We are unable to subscribe you at this time, please try refreshing the page.

• The S&P 500 is up 23% year-to-date, and corporate earnings have been relatively strong so far this quarter.
• That’s healthy behavior for sustainable stock market gains, according to the note.
• On Wednesday, market watchers will get their first look at January inflation with the scheduled release of the Consumer Price Index (CPI), while wholesale, import, and export pricing data is also expected this week.
• Applovin’s scheduled report comes after the advertising software maker posted a 40% jump in quarterly revenue on increased demand for its artificial intelligence (AI)-powered tools.
• Despite the strong year-to-date performance, Wall Street struggled in December’s final days, with investors taking profits in some of 2024’s biggest winners and fears mounting over rising rates into year-end.
• In such an environment, the competition for dollars is tight when allocating assets.That’s because higher yields are stronger competitors against stock volatility and risks, he added.
• He has an overweight rating and a price target of $125, which implies upside of more than 31% over Thursday’s close.

The main indexes opened to modest gains after the labor market update but turned tail following the release of the University of Michigan’s Consumer Sentiment Index. Preliminary data for February show the index fell to 67.8 from January’s final reading of 71.1 – its second straight monthly drop. The fourth quarter is typically by far the best quarter of the year for stocks. Since 2000, the S&P 500 has averaged a gain of more than 4% in the final quarter. That is double the 2% average gain in the second quarter and way better than the fractional average gains in the first and third quarters. A fresh batch of earnings provided some clues to Corporate America’s resilience.

Economic calendar

Berkshire first bought the tech stock in 2013 and hasn’t adjusted the stake in years. Verisign has had https://www.forex-world.net/ a mediocre year with its stock flat in 2024, significantly underperforming the tech sector. Through Monday’s close, there have been 57 record closes for the S&P in 2024, 47 for the Dow and 38 for the Nasdaq Composite. Wall Street might not close 2024 exactly at record highs, but there have been plenty of milestones throughout the year.

CNBC Newsletters

Sentiment appeared to calm after January’s producer price index report, released Thursday, as well as the consumer price index report released Wednesday, suggested a softer reading for the personal consumption expenditures price index. The PCE price index, which is due later this month, is the Federal Reserve’s preferred inflation gauge. For Ryan Detrick, chief market strategist at Carson Group, stocks could be due for weakness after a technical sell signal flashed in January.

• His long-term view aligns with other bears who fret that the coming decade will look much worse than the last.
• Steel’s “production capacity” as part of allowing a Japanese firm to take a strategically important company, the report said.
• Through Monday’s close, there have been 57 record closes for the S&P in 2024, 47 for the Dow and 38 for the Nasdaq Composite.
• “The full year returns were plain and simple much weaker,” Detrick said in a recent note, highlighting an average full-year return of -0.2% and a win-ratio of 48.6%.
• Even with the S&P 500 trading near record highs, there’s always something for investors to worry about.
• For TIME, she profiled Jimmy Carter, Toni Morrison and Francis Ford Coppola about turning points in their lives.

Wall Street is divided on the future of stocks. Here are bull and bear cases from the biggest banks.

Ahead of the opening bell, the Bureau of Labor Statistics said the U.S. added 143,000 jobs in January – less than the 169,000 umarkets review economists expected. Still, payroll figures for both November and December were upwardly revised and the unemployment rate ticked lower to 4.0% from 4.1%. Futures tied to the Dow Jones Industrial Average dipped 40 points, while S&P 500 futures ticked down 0.2%.

Stocks are little changed at Friday’s open

According to the CME FedWatch tool, markets expect the Fed to deliver 25-basis-point cuts at the November and December meetings. They said recent storms and strikes could weigh on job growth, making the report difficult to interpret. After a blockbuster September jobs report, the stakes are high for October’s jobs data on Friday. The flurry of key data releases starts with third-quarter GDP on Wednesday.

Stifel’s Bannister has also argued for a “lost decade” for the stock market. And yet, Kostin also argues that a golden era of stock market returns is probably over. In a note earlier this month, the JPMorgan strategist Dubravko Lakos-Bujas conceded that a recession seemed off the table but said that AI investments were unlikely to pay off with lingering questions around monetization issues.

MoM growth which is sustained or improving is also naturally very attractive to investors. Investors are particularly interested in MoM and YoY growth rates as it’s how they view their investments and benchmark their portfolio. MoM growth gives immediate feedback on which strategies are working and which aren’t. Use our month over month calculator to instantly calculate growth rate or sign up for a demo (to help our MoM metrics) and learn how to use CleverTap’s all-in-one customer engagement platform.

Common errors when calculating and modeling Month-over-Month growth rates

Use the month over month growth calculator wisely, in conjunction with other relevant data points, to make informed decisions and drive sustainable growth for your business. One of the most common pitfalls is placing too much emphasis on high percentage growth when dealing with small absolute numbers. While it’s exciting to see triple-digit growth rates, it’s important to contextualize these figures. By measuring how key performance indicators (KPIs) change from one month to the next, you can provide valuable insights into short-term trends. Measuring performance month on month helps to increase accountability by providing a clear record of progress over time and can help identify the healthy financial state of a company. Comparing the present month data with the preceding month data can give a good indication about the short-term trend in the data.

WoW report is incredibly helpful in examining short-term data that is affecting your ad campaign. If correctly used, QTD information can help any campaign improve its performance constantly, as there is a wealth of data available every quarter to work upon. That being said, QTD report is most effective towards the end of the quarter as there are rich data available to assess the quality of results. A year is usually divided into four quarters, i.e., quarter one (Q1), quarter two (Q2), quarter three (Q3) and quarter four (Q4). This segregation of quarters is useful in the analysis of performance on all scales.

Attracting investors

If a report is unintelligible or too complex, it becomes difficult to draw useful insights to help you navigate your business. The other venture how to become a web development consultant offered investments in “Bear Lute,” a pooled real estate investment vehicle launched by Drumm’s son in May 2022. That offer resulted in Bear Industries obtaining more than $335,000 from more than 170 people between May 2022 and September 2024. One venture offered “direct investments” in the purported development of a dry-storage lot and residential duplexes on Bigley Avenue in Charleston.

1. In case you outsource PPC services to a digital marketing agency, you can demand YTD reports to assess your campaign performance on different parameters.
2. It’s less useful to make long-term strategic decisions as it’s much harder to maintain the growth rate.
3. For example, if the total cash inflows (i.e. proceeds from the sale of a portfolio company) are $100m from a $10m initial equity investment, the MoM would be 10.0x.
4. So, we have already established that compound growth rates flatten your monthly growth over a set time frame into a constant percent.

The product team monitors MOM progress on feature requests, bug fixes, and usage. MOM measurements provide a data-driven approach to decision-making, helping to ensure that decisions are based on objective, quantifiable data rather than subjective opinions or assumptions. Because no single manager is an expert at investing in all asset classes, using a MOM allows clients to have an expert asset manager working on each aspect of an investment at all times. A higher IRR can indicate a potentially better investment, but it doesn’t automatically mean higher risk. If an investment hits or surpasses its MOIC target, investors might be more likely to cash out and take the profits. A high MOIC 10 steps to change your engine oil could mean a high potential return, but also potentially higher risk.

Calculating Growth Rate Month Over Month Is Important

This important metric cuts through the jargon and reveals the true return on investment. A manager of managers (MoM) approach is a type of oversight investment strategy whereby a manager chooses managers for an investment program and regularly monitors their performance. As you can see, YoY reporting gives a more global, stable view of company performance despite factors such as seasonality.

Manager Of Managers (MOM)

A teacher helped her not get in trouble for being late to school every day. When calculating MoM growth, it’s easy to focus solely on new acquisitions and forget about churn. This can lead to an overly optimistic view of your growth trajectory. Suppose your company’s revenue was $100,000 in January and $120,000 in February. Data from this metric can indicate a problem with the company culture or management or may signify employee satisfaction and engagement. In this example, we can conclude that the Operating Profit in the month of July has grown by INR 10 crore, on a Month on Month basis.

Investors use MOIC with other tools to see if the expected return is worth the risk. By understanding these factors, what is a cross rate and how to derive one you can get a better sense of what an MOIC really means and make smarter investment choices. It’s a good way to track how your investment is doing over time, but it’s not guaranteed – the value could go up or down before you sell.

When the opening price surpasses the closing price, a filled candlestick—typically black or red—is produced. A mat hold pattern is a candlestick formation indicating the continuation of a prior trend. The candlestick pattern looks like a cross with a very small real body and long shadows.

This pattern is a bullish improvement pattern that depicts the chain of an upward trend. These patterns can be then moved onto charts by keeping a parallel line together with the motion highs and then forming an ascending course together with the motion lows. The holding or asset would finally shift outside of the handle and move ahead with the complete bullish inclination. It is one more pattern that traders make use of to show trend withdrawals. Generally, a holding’s cost would undergo a peak, previous to returning to support level.

Bullish Engulfing

Traders using the Triple Bottom Pattern identify the target price by measuring the distance from the support level to the resistance level and projecting it upwards from the breakout point. Stop orders in Triple Bottom Patterns are usually placed just below the third bottom. The target price for symmetrical triangle chart pattern shapes is measured by the triangle height added to the breakout point. Stop orders in Symmetrical Triangles are placed just outside the opposite side of the triangle formation. The forex trading volumes during the formation of the Rising Wedge pattern start high and tend to diminish progressively.

1. As you develop expertise, create a set of criteria for determining the truthfulness of a pattern prior to choosing a trading preference.
2. The name “Pennant Pattern” derives from its visual similarity to a small symmetrical triangle, resembling a pennant flag on a flagpole.
3. It is the opposite of the Hammer Candlestick pattern that we covered just earlier.
4. While a pennant may seem similar to a wedge pattern or a triangle pattern – explained in the next sections – it is important to note that wedges are narrower than pennants or triangles.
5. Obviously, you can revise your position once it is completed and let it go for further gains.

Several most commonly used chart patterns in forex are more effective to a volatile or unpredictable market, and other chart patterns are not much regulated. Also, some of them are best employed in a bullish trend, while others are best employed in a bearish trend. A rectangular chart pattern is a continuation pattern that signals that the prevailing trend might resume after a brief period of consolidation. A rectangle chart pattern shows indecision between buyers and sellers for a while, during which the price oscillates from support to resistance — forming a rectangular box. A bullish engulfing pattern forms at the end of a downtrend when a large bullish candle engulfs a small bearish candle. Conversely, a bearish engulfing pattern forms at the end of an uptrend when a large bearish candle engulfs a small bullish candle.

1. Initially, the volume is high when the price approaches the support level.
2. Charts reflect the traders’ sentiment in any given market scenario and depict the underlying mindset of the buyers and sellers.
3. Reversal patterns include head and shoulders, double tops and bottoms, and triple tops and bottoms.
4. Thus, traders should be cautious about their short positions when the bullish reversal candlestick chart patterns are formed.
5. The previous trend must have been an upward trend for the Tweezer Top candlestick pattern to be developed.
6. Before deciding to trade forex, commodity futures, or digital assets, you should carefully consider your financial objectives, level of experience and risk appetite.
7. The bearish Harami candlestick pattern should be present between the first and second candlesticks.

Inverse Head and Shoulder Chart Pattern

On-chart price action patterns, or chart patterns as they are popularly called, can provide a lot of information to traders within a limited time period. Each of these chart patterns has a tendency to show price moves in a particular direction, which is why they can be useful to understand volatility. These are reversal chart patterns, which are usually formed at local lows and highs of the price chart within either ascending or descending trend. The patterns indicate that the current tendency is getting weaker and the price is expected to either start a correction or reverse the tendency to the opposite side. For example, the setup is much more powerful if an engulfing pattern appears near a previous support or resistance level.

While continuation patterns signal that the prevailing trend line will resume, reversal patterns signal popular forex chart patterns its shift. Bilateral chart patterns are more complex because they signal that the price can go either way and tend to require more attention and experience. In technical analysis, the triangle pattern is one of the most popular continuation chart patterns.

A falling wedge is generally suggestive that a holding’s price would grow and break via the resistance level, as described in the instance here. These are amongst the top 10 most commonly used chart patterns in forex. These chart patterns have a big peak and a slightly shorter peak on a single or the additional side of it.

Breakout

This is a bull flag pattern example, bear flag forex patterns also occur for pairs that are in downtrends. The pattern consists of 2 falling trend lines, with prices moving within the trend lines. The trend lines converge each other but do not join to form a triangle at the current market price scenario. The Pennant Pattern is a continuation chart pattern, and is bullish or bearish depending on the direction of the preceding market price action movement. The name “Pennant Pattern” derives from its visual similarity to a small symmetrical triangle, resembling a pennant flag on a flagpole. The main difference between a Pennant Pattern and a Symmetrical Triangle is that Symmetrical triangles appear without a preceding strong move and form over longer periods.

The confirmation of the Gartley pattern occurs when the price reaches point D, which is paired with a spike in volume. Traders open Forex trading orders at point D of the Gartley pattern. Trading orders are long if the Gartley Pattern is bullish and short if the Gartley pattern is bearish.

A topping pattern is a price high, followed by a retracement, a higher price high, a retracement, and a lower low. A bullish pattern begins with a large bullish candle followed by a gap higher and three smaller candles which move lower. The third candlestick should be a long bearish candlestick confirming the bearish reversal.

Head and Shoulders Pattern

In a bullish reversal or continuation pattern, you’d buy the market; in a bearish pattern you’d sell. It’s also considered a continuation pattern, telling us that the market is likely to break out lower through the support level, making it a bearish signal. However, if the market breaks out through resistance instead, it may mean the beginning of a new uptrend. When markets are forming lower lows and lower highs this can be considered a downtrend and forms a descending staircase. In this phase, traders would consider trading on the short side of the market. And in a downtrend, a trader could use the mini rallies that go against the bear run as opportunities to sell.

The end of the second candle has to be quite close to where the end of the first candle was. Forex Pops Provide Free MT4 indicators and tools for help all beginners. The Butterfly Chart Pattern forms a specific five-point structure labeled X, A, B, C, and D based on precise Fibonacci measurements.

It is formed when the high and low of a price bar is completely within the high and low of the previous bar. This pattern can be used to identify key levels of support and resistance for a currency pair, and can also be used as a potential signal for a future price breakout. In conclusion, the Inside Bar strategy stands as a testament to the power of simplicity in the complex world of Forex trading.

It also helps when the mother bar has the highest high or lowest low at the support/resistance level. In the complex world of forex trading, understanding the relationships between… The ACB Inside Bar indicator is also equipped with an alert system that notifies traders when an Inside Bar pattern is detected. inside bar indicator It is important to note that trading with the ACB Inside Bar indicator involves the use of pending orders exclusively, which are placed near the highs and lows of the identified pattern.

• Adapting the Inside Bar strategy across different time frames is crucial for traders who operate with varying trading styles and objectives.
• The straightforward nature and adaptability of the Inside Bar pattern equip traders with the means to time their market entries and exits.
• A breakout contrary to the prevailing trend, preceding price consolidation, may indicate a potential trend reversal.
• The greater the disparity between the Mother Bar and Inside Bar, the greater the probability of a market reversal, and vice versa.
• To get more chart patterns that you can test, go here to get the PDF cheat sheet.
• We have no knowledge of the level of money you are trading with or the level of risk you are taking with each trade.
• Stay tuned for future posts, where I share actual Inside Bar trading strategies and test each one to show you what works and what doesn’t.

Most Popular Lagging Indicators

It works by detecting the inside bar pattern of several ranges and making it easy for you to then find and make trades inside MT5. The relative dimensions of the Inside Bar compared to the Mother Bar can greatly influence the precision of the trading signal. A diminutive Inside Bar, nestled snugly within the confines of the Mother Bar, often suggests a stronger and more reliable market signal.

What are the Benefits and Limitations of the Inside Bar Candlestick Pattern?

• Therefore, stop-loss orders are essential for mitigating trading risks.
• The Inside Bar pattern is a well-known price action signal that indicates market indecision and the potential for a breakthrough in price movement.
• Ideally, your stop loss should be at the other end of the mother candle.
• An Inside Bar (or candle) is a 2-bar pattern where a bar is inside the total price action of the previous bar.
• If the mother candle is unusually big, however, you may place your stop loss at the 50% level of the complete candle range.

They usually use 2-3 moving averages and when they are in order from shortest to longest period, that call that a valid trend. Price Data sourced from NSE feed, price updates are near real-time, unless indicated. Technical/Fundamental Analysis Charts & Tools provided for research purpose. Please be aware of the risk’s involved in trading & seek independent advice, if necessary. Always remember; practice makes perfect and always test all new strategies and indicators on a free demo practice account before going live. Never risk any real money until you are 100% comfortable with new strategies or indicators you have just begun using.

More Indicators and Chart Patterns Explained

You just need to remember a few rules to identify the pattern correctly. Furthermore, the inside bar may appear inside another chart pattern formation, such as the three inside-up pattern, where the first two candles are, in fact, inside bars. Again, some traders can get so wrapped up in taking trades that they forget to examine the quality of the signal. If you are still struggling with drawing support and resistance levels, read this guide.

Your profit target will often depend on the market volatility and behavior of the instrument you’re trading. Stocks, for instance, have a habit of going in one direction for longer than forex pairs. As a result, you may often get away with placing your take-profit target a little farther away from your entry in the stock market than in the forex market. Again, learning to identify important support and resistance levels is all a matter of practice. An Inside Bar (or candle) is a 2-bar pattern where a bar is inside the total price action of the previous bar. In other words, the Inside Bar has a higher low and lower high than the previous bar.

By incorporating the ACB Inside Bar indicator into their trading toolkit, forex traders can potentially increase their profitability and minimize losses in the ever-changing world of currency markets. I hunt pips each day in the charts with price action technical analysis and indicators. My goal is to get as many pips as possible and help you understand how to use indicators and price action together successfully in your own trading. The psychological aspect of trading Inside Bars cannot be overstated, as it requires traders to exercise patience and discipline in the face of market uncertainty. The Inside Bar pattern represents a period of consolidation, often testing a trader’s resolve to wait for the right moment to enter the market.

All information on The Forex Geek website is for educational purposes only and is not intended to provide financial advice. Any statements about profits or income, expressed or implied, do not represent a guarantee. Your actual trading may result in losses as no trading system is guaranteed. You accept full responsibilities for your actions, trades, profit or loss, and agree to hold The Forex Geek and any authorized distributors of this information harmless in any and all ways. After spotting an Inside Bar, consider opening a trade in alignment with the ongoing or anticipated market direction.

Navigating the Forex markets demands keen insights into trends, a critical… In the vast and ever-evolving landscape of forex trading, mastering the… In the competitive world of forex trading, selecting a reliable broker…

Exploring a Leading Forex Broker: A Detailed Review of Fxcess

Combining the Inside Bar strategy with other technical analysis tools can significantly enhance a trader’s ability to make informed decisions. For instance, overlaying moving averages on a chart can help identify the prevailing trend, providing context for Inside Bar signals. Traders might look for Inside Bars that form after a pullback to a moving average in a trending market, which can indicate a potential trend continuation.

So, you cannot trade every single inside bar in the same way, as you may not know if the trend will reverse or continue. Instead, it would be best to interpret the pattern differently on the market scenario and decide the next price direction. Still, the inside bar allows you to identify a pause in price action and a good market entry level before the next price movement. The final and crucial step in leveraging the Inside Bar pattern is to always set a stop-loss order. Given that Inside Bars may signal either a breakout or a trend continuation, market movements may not always align with your forecast.

Inside Bar Indicator

In conclusion, the inside bar indicator is a useful tool that can help traders identify potential changes in market trend by identifying consolidation or potential reversals. When used in conjunction with other indicators and analysis techniques, it can provide valuable information for making trading decisions. However, it’s important to understand that the inside bar indicator is not a standalone tool and should be used in conjunction with other indicators and analysis techniques. Overall, the inside bar indicator is a valuable tool for traders, but it should be used with caution and in combination with other analysis techniques. The ACB Inside Bar MT4 Indicator is a powerful technical indicator designed to identify and capitalize on the Inside Bar pattern in the forex market.

To identify an Inside Bar, traders must scrutinize the price action, looking for a candle that is completely ‘inside’ the range of the previous candle, known as the ‘Mother bar’. Whether you’re engaged in scalping, day trading, or swing trading, recognizing an Inside Bar can provide a strategic edge, offering clues to the currency pairs next directional thrust. Adapting the Inside Bar strategy across different time frames is crucial for traders who operate with varying trading styles and objectives.

With MetaTrader 5, you can also follow the steps on the MetaTrader 4 step by step guide above. An example inside bar in both bar and candlestick form is below showing the lower high and higher low than the previous bar. For long position, set the stop-loss just beneath the Inside Bar’s lowest price point. If you trade every single Inside Bar signal, you WILL blow out your account. To get notifications when Inside Bars print on your MetaTrader chart, you can use one of our handy alert indicators. So if you took a short signal, the stop loss would go above the mother bar.

However, it is the trading psychology discipline that truly unlocks the strategy’s effectiveness. The ability to maintain patience, to wait for high-probability setups, and to manage emotions is what distinguishes successful traders in the long run. For the most dependable insights, it is advisable to trade the Inside Bar pattern on mid-term time frames, such as the daily chart. These chart pattern offer a broader data set, capturing Inside Bars at critical junctures where the market is more likely to experience a shift.

Applying Your Indicator on the Chart

If the mother candle is unusually big, however, you may place your stop loss at the 50% level of the complete candle range. The inside bar pattern also gives great breakout trading opportunities, and it’s very simple to trade. Even though the pattern is known as having a structure with one large bullish or bearish first candle and a second smaller candle, it could have many other chart formations. For example, the inside bar pattern could also be formed with a large first candle and a second tiny Doji candle. Technically, as long as the first candle covers the second candle, then it’s an inside bar pattern.

Wtedy inflacja wróci do poziomu dyktowanego przez czynniki fundamentalne. Na ten przejściowy wzrost inflacji, związany z decyzjami administracyjnymi, RPP nie powinna reagować. Tarcz antyinflacyjnych wiele krajów już się wycofało, a pozostałe są w trakcie.

Jak zaznaczył ekspert PIE w komentarzu przesłanym PAP, Rada Polityki Pieniężnej zaczęła cykl zacieśniania polityki pierwszą od 2012 r. „Z uwagi na wyższy punkt startowy, prognoza tempa wzrostu PKB zostanie najprawdopodobniej zrewidowana lekko w górę względem scenariusza przedstawionego w listopadzie. Z kolei ścieżka inflacji zostanie zrewidowana znacząco w dół” – ocenili w poniedziałkowym komentarzu ekonomiści Crédit Agricole Bank Polska.

Niepokojące dane. Przybyło śmiertelnych wypadków w pracy

W rzeczywistości współpraca jest wciąż bardzo trudna, co nie ułatwia prowadzenia optymalnej polityki pieniężnej. To mógł być pierwszy sygnał, że jakaś istotna presja popytowa w gospodarce się pojawia. Ale trzeba poczekać na potwierdzenie, czy tak rzeczywiście jest. Na podstawie jednej obserwacji nie należy iść za daleko z wnioskami.

Pozostałe kredyty i pożyczki

– Podwyżka teraz nie oznacza większego prawdopodobieństwa kolejnego ruchu w listopadzie lub grudniu i widzimy duże szanse, że RPP będzie chciała poczekać do kolejnej projekcji, tym razem marcowej – ocenił. To nie koniec podwyżek stóp przez Radę Polityki Pieniężnej, widzimy dużą ekspansję fiskalną w 2022 r. I wysoką inflację – uważa główny – ekonomista ING Rafał Benecki. Ceny produktów wchodzących w skład koszyka codziennych zakupów wzrosły w marcu o 6,7 procent w porównaniu do poprzedniego roku, jak wynika z raportu UCE Research i Uniwersytetu WSB Merito. Największe podwyżki odnotowano w przypadku produktów tłuszczowych, owoców i napojów bezalkoholowych, podczas gdy artykuły sypkie potaniały. Podsumowując, te nowe ramy fiskalne będą mniej wymagające, w szczególności dla krajów, w których – tak jak na razie w Polsce – dług publiczny jest poniżej 60 proc.

Na pewno w jakimś stopniu jest to spowodowane tym, że wielu ludzi nie było w stanie obronić oszczędności przed inflacją. Teraz dążą do odbudowy swojego realnego zasobu oszczędności. Ale moim zdaniem to nie tłumaczy w pełni rozbieżności między wzrostem płac a wzrostem konsumpcji. Jest coś jeszcze, być może chodzi o ostrożność związaną np. Złożony podczas lipcowego posiedzenia Rady Polityki Pieniężnej (RPP) wniosek o podwyżkę stóp procentowych o 200 pb nie uzyskał większości głosów, podał Narodowy Bank Polski (NBP). Warto też wspomnieć, że nie tylko osoby, które już wzięły kredyt odczują skutki podwyższenia stóp procentowych.

Działania RPP, a ściślej jej przewodniczącego Adama Glapińskiego skrytykował kandydat na prezydenta Rafał Trzaskowski podczas dzisiejszego spotkania z przedsiębiorcami zrzeszonymi w Amerykańskiej Izbie Handlowej w Polsce (AmCham). Prezydent Warszawy ocenił, że stopy procentowe Token Tech firmy Securitize podnosi $14 000 000 z Santander, MUFG “powinny być niższe”, a ich obecny poziom ogranicza możliwości inwestowania. Z perspektywy osób rozważających zaciągnięcie kredytu hipotecznego wybór między kredytem zmiennym a stałym oprocentowaniem wiąże się z pewnym ryzykiem.

Podkreślę jednak, że już wcześniej nie widziałem przestrzeni do obniżki stóp procentowych. Dlatego te dane nie zmieniły mojego nastawienia, choć dla innych członków mogą być czynnikiem, który wpływa na ich nastawienie. Na początku marca Punktu Pivot: Co to jest i jak handlować Rada Polityki Pieniężnej (RPP) po raz 16.

– Sygnał jaki wysłała RPP może wpłynąć na zaufanie przedsiębiorców i obywateli, że jednak ktoś tym statkiem steruje, a dryf w kierunku spirali inflacyjnej może zostać zatrzymany – dodał ekspert. W polityczno-ekonomicznym światku od kilku miesięcy toczy się dyskusja na temat tego, kiedy inflacja CPI w Polsce spadnie poniżej 10%. Sądzę, że ta debata jest nie tylko bezcelowa, ale wręcz przede wszystkim szkodliwa dla życia gospodarczego kraju – pisze Krzysztof Kolany, główny ekonomista Bankier.pl. Stosunki między Chinami i USA pogarszają się, dlatego obywatele powinni się zastanowić nad podróżami do Stanów Zjednoczonych – stwierdziło ministerstwo turystyki w Pekinie.

• Dodało, że szczególnej “oceny ryzyka” powinni dokonać studenci.
• Z szacunków Hreit opartych o dane GUS wynika, że przewidywane cięcia stóp procentowych w perspektywie 2026 roku mogą doprowadzić do sytuacji, w której kredyty tak stanieją, że będzie na nie stać o około 1/3 więcej rodaków niż dotychczas.
• Inwestorzy i ekonomiści w ostatnich kilku tygodniach dostosowali swoje prognozy do nowego nastawienia prezesa NBP, który ma duży wpływ i de facto decyduje o większości w RPP.
• I dlatego nie należy oczekiwać powrotu do bardzo niskich stóp procentowych.

Z rzędu zdecydowała o utrzymaniu stóp procentowych na dotychczasowym poziomie. Po raz ostatni gremium obniżyło stopy procentowe Aktualizacja rynku 26 stycznia Banki centralne przyjrzały się w październiku 2023 roku. Od tamtego czasu główna stopa referencyjna utrzymuje się w wysokości 5,75 proc. Zmiany na rynku stóp procentowych zaczynają również wpływać na oprocentowanie kredytów hipotecznych z okresowo stałym oprocentowaniem.

Członek RPP dodał, że jeśli Rada zdecyduje, że obniżka będzie jednorazowa, to pewnie będzie ona większa. Natomiast, „jeżeli będzie to początek cyklu obniżek, mogą to być mniejsze kroki”. Wskazał, że moment podwyżki jest zaskakujący dla rynku, ale sama skala – niekoniecznie.

• Stopy procentowe w Polsce reguluje Rada Polityki Pieniężnej działająca przy NBP, która poprzez ustalanie ich wysokości realizuje politykę monetarną kraju oraz wpływa na wysokość inflacji.
• Banki nie zarabiają na kredytach, bo kredytobiorcy oddają mniej niż pożyczyli.
• Stopy procentowe są więc również narzędziem w walce z recesją – ich obniżenie powoduje zmniejszenie kosztów kredytu, co z kolei wpływa na wzrost lub przynajmniej podtrzymanie obecnego poziomu inwestycji.
• Komunikat brzmi jastrzębio i nie wskazuje na to, aby RPP widziała w najbliższym czasie warunki do obniżek stóp.
• Inflacja jest zupełnie naturalnym procesem ekonomicznym, który prowadzi do rozwoju gospodarki.

Pierwsze klucze. Konfederacja ostrzega: Ceny mieszkań w góre

W podobnym tonie wypowiedzieli się eksperci Banku Millennium. Poziom stóp procentowych wpływa przede wszystkim na koszty kredytu, wysokość miesięcznej raty. Myśląc o kredycie zaciąganym na dłuższy okres warto wziąć pod uwagę, że wysokość raty może się zmieniać właśnie ze względu na wahania stóp procentowych.

Czy możemy się spodziewać kolejnych obniżek stóp procentowych?

Zgodnie z Ustawą o kredycie konsumenckim oraz Kodeksem cywilnym (art. 359) maksymalne oprocentowanie pożyczek i kredytów w skali roku nie może przekroczyć dwukrotności odsetek ustawowych. Te natomiast obliczane są poprzez dodanie 3,5 punktu procentowego do stopy referencyjnej NBP. Warto jednak zwrócić uwagę, że jeszcze w zeszłym roku lokaty przynosiły realnie straty, ponieważ ich oprocentowanie było niższe od wskaźnika inflacji. Z początkiem 2024 roku sytuacja się odwróciła, a więc obecnie lokaty zapewniają wreszcie realny zysk. W kolejnych miesiącach lokaty zaczęły jednak systematycznie tanieć, co najlepiej widać w poniższych tabelach, prezentującej średnie oprocentowanie lokat według danych NBP.

Dodało, że szczególnej “oceny ryzyka” powinni dokonać studenci. Szef resortu infrastruktury Dariusz Klimczak powiadomił, że wystąpił do swoich odpowiedników w Austrii, by połączenie kolejowe z Polski do Rijeki w Chorwacji było realizowane od 1 lipca tego roku. Minister podał też kwotę, od której najprawdopodobniej zaczynać będą się ceny biletów. W marcu platforma Temu wyprzedziła Allegro pod względem liczby użytkowników – wynika z raportu Mediapanelu.

Stopy procentowe wreszcie spadną? Niepokojący głos z RPP

Zgodnie z przewidywaniami Bartosza Turka, spadek oprocentowania kredytów ze stałym oprocentowaniem jest tylko kwestią czasu. Oczywiście należy pamiętać, że zmiana wysokości wskaźników WIBOR® nie przekłada się od razu na zmianę wysokości rat. Jeśli oprocentowanie kredytu oparte jest na WIBOR 3M, bank aktualizuje harmonogram co 3 miesiące, a jeśli na WIBOR 6M – co pół roku. Właśnie dlatego obniżki stóp procentowych z września i października 2023 roku u wielu kredytobiorców poskutkowały obniżeniem rat dopiero w 2024 roku.

W lutym ekonomiści PKO BP podnieśli swoje szacunki z 4,1 do 4,4 proc., a Citi Bank Handlowy z 4,1 do 4,5 proc. Jedynie ING BSK skorygował prognozy w dół, obniżając je z 4,5 do 4,2 proc. Wyższa inflacja zmniejsza prawdopodobieństwo szybszego cięcia stóp procentowych, ponieważ RPP będzie chciała zachować ostrożność w luzowaniu polityki pieniężnej.