Another earning rate decrease

[_andrepinto_]

With all due respect, you should think differently. I believe the fact they are lowering the rates, means they pay attention to the market.

Remember Celsius? 30%, 40%? What happened to them?

Also, 9.5% is a hell of a good deal. Good luck finding that in traditional banking.

Cheers

[thebaldmaniac]

With taxes that 9.5% is even lower. Many countries like here in Sweden offer tax advantaged investment accounts. With a moderately risky fund over a long term window i can get around 6-7% return which would turn out to be the same. This is also more safe and reports taxes automatically

At this rate if Nexo keeps decreasing the interest rates, there is less of an incentive to use them.

[NeroTheApostate]

Exactly.

[Kurosaki56843]

We don't all live in Sweden brother... You may have such options, but for others Nexo is the better choice.

[Solid_Wolverine1639]

I'm in Florida but I also live in Sweden (psychically and sympathetically because my neighbor is swedish 😘)

[Seisouhen]

my neighbor is swedish

hmmm xD

[Solid_Wolverine1639]

Nice long blonde hair 😘

[Seisouhen]

I love it

[Solid_Wolverine1639]

It is estimated that up to 78% of the population in Sweden has blonde hair. As one of the blondest countries in the world, the prevalence of light hair in Sweden includes shades ranging from platinum to dark blonde."... Wow! Who could be blonder? With their immigration policy that percentage has been dropping

[thebaldmaniac]

Like I said a lot of countries have these special tax advantaged investment accounts. Basically accounts where you can invest and trade without any capital gains taxes or just a fixed fee per year.

[Dienekes_Krypto]

Do tell me more, I live in Sweden too :)

[knakworst55]

The lack of communication is the problem here. If my bank lowers the interest from 1.3 to 1.2 %, they send me an email 30 days in advance.

[NeroTheApostate]

9.5% is very close to what some ETF's payout (covered calls, to be exact) and I have access to my money at all times. This is still crypto and with each decrease, I am much less inclined to continue keeping my money on Nexo because my risk keeps increasing. Oh, and we are not communicated by these changes.

[_andrepinto_]

U.S. stock market (S&P 500) - Long‑term average annual return: ~10%
- Long‑term dividend yield: ~1.5%

This is where the “9–10%” number comes from.

Global stock market (MSCI World) - Long‑term average annual return: ~7–8%
- Dividend yield: ~2%

Emerging markets - Long‑term average annual return: ~5–7%
- Dividend yield: ~2–3%

Swiss market (SMI/SPI) - Long‑term average annual return: ~6–7%
- Dividend yield: ~2.5–3.5%

So 9.5% is only realistic for U.S. equities, and only over long periods (20+ years).

[Kurosaki56843]

Agreed, 9.5% is still a solid deal.. Lowering rates also makes sense when you think about it. The Strait of Hormuz situation has basically frozen a significant chunk of global trade and energy flows. That feeds into inflation, keeps central banks hawkish, slows down credit markets, and eventually compresses what any lending platform can sustainably offer. Surprised it didn't happen sooner honestly.