Negative Interest Rates?

Discussion in 'Economics' started by high-performance, May 14, 2020.

  1. I really don't understand negative interest rates.

    It is central bank punishing people owning notes or gift cards that if they don't use the cash, it lose value?

    or the gov't wants people to spend the cash and stimulate the economy?

    If too much cash is sitting in stale assets like bonds, stocks. or bitcoins.

    tax is the way to go. like tax on assets. or increase in capital gains in paper.

    as now there is no tax on paper gains.

    The proposed policy is too much people are having too much cash and doing nothing with like Buffet has 130 billion in cash.

    there are not assets to buy? or nothing to invest.

    Bonds are too low. Stocks are too high. limited investment opportunities. hence fund managers are buying bitcoins. or gold.
     
  2. Sorry people have to much cash? Your sound like you wanna invoke the tyrannical state to steal money.... How is it anyone's business what people do with their savings......it's called savings not hoarded cash....having savings has a utility or people wouldn't do it.....please read some economic theory......basically inflation is a tax on people who save their money and its a subsidy to borrowers.... If I borrow at 3.75 and the inflation rate is 4.75 then I am effectively being paid to borrow money.....I'm making 1% for borrowing money.... Inflation is stealing and so is taxation......
     
    comagnum, SunTrader and birdman like this.
  3. japan, sweden and europe . it's policy and Trump he seems to favor negative pricing as he thinks it will prompt people from not hoarding cash and buy stocks or spend it.

    Negative pricing is actually left wing policy or socialist policy.

    It's no free market or policy that favors the 'free market' or what you call a 'market based ' economy where the economic activity is based on the 'market'

    The problem is Japan or many countries have a aging pop. including the US and they have no debt usually their homes are paid off and downsizing. so lots of cash and nothing to invest as bonds are too low. stocks are too high. GIC are too low. GIC is same as cash

    With negative pricing, the gov't charges you money for lending them money? That is absurd. like negative price of oil. Which is an indication of market manipulation.


     
    Last edited: May 14, 2020
  4. Real Money

    Real Money

    You're clueless. It's not negative rates. It's negative yields. In other words, sovereign debt instruments are trading above par, and even above the sum of all discounted future cash flows.

    Many reasons for this to happen.
     
  5. negative yeild and negative interest is same thing, you are the clueless.

    T-bills or GIC you have no risk of losing your principle or investment. Theoretically, you can lose your principal investments in buying T-bills or GIC with 'negative' yield.
    These investments are gauranteed your principal won't lose value.


     
  6. 2rosy

    2rosy

    i thought some central banks did set negative rates ie. swiss

    and yield != rate
     
  7. bone

    bone

    The negative yield trickles down only so far.

    For example, in the EU where there have been negative benchmark rates for some time now - consumer loans such as auto and home mortgages are still positive.

    For example, as of today in Germany the Ten Year Bund Yield is around -0.55%; but a typical German 30 year fixed mortgage rate is around 1.65% on a 275,000 Euro loan.
     
  8. The guy selling at loss must want to get out of his position to pay someone to buy his T-bills?
    so nobody wants to buy t-bills that pay so little interest rates. or pay no interest rates
    why anyone buy t-bills for?

    For example, as of today in Germany the Ten Year Bund Yield is around -0.55%; but a typical German 30 year fixed mortgage rate is around 1.65% on a 275,000 Euro loan.[/QUOTE]
     
  9. bone

    bone

    The Bank of Japan has had negative benchmark interest rates for decades. And it hasn't really helped.

    The EU went there as ECB policy in order to lower the Euro currency exchange rate versus the US Dollar. Which it did.

    [/QUOTE]
     
  10. SunTrader

    SunTrader

    high-performance must be another one of those "traders" who doesn't go short because that too is lol socialism.
     
    #10     May 14, 2020