ETF Inflow Alert: SCHV, WFC, GS, IBM
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Sep 23 2025
0mins
Should l Buy GS?
Source: NASDAQ.COM
52 Week Range Analysis: SCHV's share price has a 52-week low of $23.08 and a high of $29.30, with the last trade recorded at $29.24, indicating a stable position near its high.
ETF Trading Dynamics: ETFs function like stocks, trading in "units" that can be created or destroyed based on investor demand, affecting the underlying assets and their market dynamics.
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Analyst Views on GS
Wall Street analysts forecast GS stock price to rise
12 Analyst Rating
5 Buy
7 Hold
0 Sell
Moderate Buy
Current: 833.810
Low
604.00
Averages
951.45
High
1100
Current: 833.810
Low
604.00
Averages
951.45
High
1100
About GS
The Goldman Sachs Group, Inc. is a global financial institution that delivers a range of financial services to a large and diversified client base that includes corporations, financial institutions, governments and individuals. Its segments include Global Banking & Markets, Asset & Wealth Management and Platform Solutions. The Global Banking & Markets segment offers a range of services, including financing, advisory services, risk distribution, and hedging for its institutional and corporate clients. It facilitates client transactions and makes markets in fixed income, equity, currency and commodity products. The Asset & Wealth Management segment manages assets and offers investment products across all asset classes to a diverse set of clients. It also provides investing and wealth advisory solutions. The Platform Solutions segment includes consumer platforms, such as partnerships offering credit cards and point-of-sale financing, and transaction banking and other platform businesses.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Historical Rate Trends: Since 2009, average CD rates have experienced significant fluctuations, with 1-year CDs yielding around 1% and 5-year CDs below 2%, reflecting the profound impact of economic cycles on interest rates.
- Federal Reserve Policy Impact: The Fed raised rates 11 times between March 2022 and July 2023, driving CD rates higher; although rate cuts began in September 2024, current CD rates remain elevated compared to historical standards, suggesting cautious optimism about future economic conditions.
- Factors for Choosing CDs: When selecting a CD, investors should consider interest rates, the type of financial institution, account terms, and inflation, ensuring that the chosen product aligns with personal financial goals and maximizes returns.
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- Rising Inflation Expectations: Analysts predict that if energy supply normalizes within four weeks, eurozone inflation could rise from the current 1.9% to 2.5%, which would impact the European Central Bank's interest rate policy and potentially delay further rate cuts.
- Diversification Strategy: German energy supplier Uniper has reduced its reliance on Russian gas since the Ukraine conflict, shifting to diversified sources from Norway, the U.S., and Canada to enhance energy security and mitigate price volatility risks.
- Increased Market Uncertainty: As oil and gas prices experience significant fluctuations, investors have adjusted their expectations for government bond yields in the U.K. and Germany, leading to greater uncertainty regarding future interest rate policies, which may necessitate a reassessment of the European Central Bank's rate strategy in the short term.
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- Fertilizer Prices Surge: The ongoing Iran conflict has caused urea prices in New Orleans to surge over 30%, which may lead farmers to reduce corn planting in favor of soybeans, potentially tightening grain supply and driving prices higher later this year.
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- Current Rate Overview: Short-term CDs (6 to 12 months) currently offer rates between 4% and 4.5% APY, indicating that despite the overall decline in CD rates, demand for fixed-income products remains strong as they still outperform traditional savings accounts.
- Historical Rate Trends: Since 2009, average CD rates have experienced significant fluctuations, with 1-year CDs yielding around 1% and 5-year CDs below 2%, reflecting the profound impact of economic cycles on interest rates.
- Federal Reserve Policy Impact: The Fed raised rates 11 times between March 2022 and July 2023, driving CD rates higher; although rate cuts began in September 2024, current CD rates remain elevated compared to historical standards, suggesting cautious optimism about future economic conditions.
- Factors for Choosing CDs: When selecting a CD, investors should consider interest rates, the type of financial institution, account terms, and inflation, ensuring that the chosen product aligns with personal financial goals and maximizes returns.
See More
European Energy Price Fluctuations and Inflation Impact
- Energy Price Retreat: Brent crude oil prices have retreated from nearly $120 per barrel as the International Energy Agency agreed to release a record 400 million barrels from strategic reserves, alleviating market fears of an energy crisis and potentially stabilizing future inflation expectations.
- Rising Inflation Expectations: Analysts predict that if energy supply normalizes within four weeks, eurozone inflation could rise from the current 1.9% to 2.5%, which would impact the European Central Bank's interest rate policy and potentially delay further rate cuts.
- Diversification Strategy: German energy supplier Uniper has reduced its reliance on Russian gas since the Ukraine conflict, shifting to diversified sources from Norway, the U.S., and Canada to enhance energy security and mitigate price volatility risks.
- Increased Market Uncertainty: As oil and gas prices experience significant fluctuations, investors have adjusted their expectations for government bond yields in the U.K. and Germany, leading to greater uncertainty regarding future interest rate policies, which may necessitate a reassessment of the European Central Bank's rate strategy in the short term.
See More
Concerns Rise Over Private Credit Market Risks
- Liquidity Concerns Intensify: Following JPMorgan's reduction of collateral values for some private credit clients, fears of a liquidity crisis have escalated, although industry experts suggest these concerns may be overstated, indicating a cautious market sentiment.
- Investor Redemption Wave: Retail investors have been pulling money from various private credit funds, particularly Blue Owl Capital and Blackstone, leading to increased redemption requests that reflect declining investor confidence and could impact the liquidity of these funds.
- Market Structure Risks: Goldman Sachs estimates that approximately 80% of the direct lending market is held in long-duration funds, separately managed accounts, and publicly traded business development companies, which typically do not allow for on-demand capital withdrawals, thereby limiting overall ecosystem risks.
- Concentration Issues: About $220 billion in assets are concentrated in retail-focused evergreen funds, which have rapidly grown among yield-seeking investors; however, concerns over loans to software companies have intensified, potentially leading to greater risk exposure.
See More
Ripple Initiates $750 Million Share Buyback Amid Crypto Market Turmoil
- Record Buyback: Ripple has initiated a $750 million share buyback, reflecting a self-assessment at a $50 billion valuation amidst a turbulent crypto market, showcasing confidence in its intrinsic value.
- Lackluster Market Response: Despite buying back $285 million at an $11 billion valuation in January 2024, Ripple's $1 billion tender in September 2025 saw the lowest participation rate, indicating employee reluctance to sell shares.
- Significant Transaction Volume: Ripple has processed over $100 billion in transactions recently, highlighting its active role and influence in the crypto market, even as Bitcoin and XRP prices have plummeted.
- ETF Investment Dynamics: Goldman Sachs has emerged as the largest XRP ETF investor, holding a $2.3 billion crypto ETF portfolio, indicating sustained institutional interest in XRP despite market price uncertainties.
See More
Gold Bull Run May Be Ending as Funds Shift to Grains
- Gold Price Decline: Gold is trading around $5,185 per ounce, down about 1% from the previous day, indicating a weakening demand in the market that may signal the end of the bull run.
- Limited Geopolitical Impact: Despite the Iran war being considered one of the biggest geopolitical events in decades, gold has failed to rally, with analyst Wyckoff suggesting that the market's lack of response to bullish news indicates that the bulls may be exhausted.
- Funds Shifting to Grains: Wyckoff noted that speculative and hedge fund money appears to be rotating into grain markets, with corn, soybeans, and wheat prices trending higher since January, highlighting their relative attractiveness compared to gold.
- Fertilizer Prices Surge: The ongoing Iran conflict has caused urea prices in New Orleans to surge over 30%, which may lead farmers to reduce corn planting in favor of soybeans, potentially tightening grain supply and driving prices higher later this year.
See More
Market Update: Oil Price Surge and Corporate Earnings
- Oil Price Volatility: U.S. crude prices surged 4% due to reports of cargo ship attacks off Iran's coast, putting pressure on stocks and indicating ongoing geopolitical risks affecting market sentiment as the S&P 500 is set for a slightly lower open.
- Oracle's Strong Earnings: Oracle's quarterly results exceeded expectations, leading to a stock price increase of over 9%, with smooth AI buildout and remaining performance obligations exceeding $500 billion, highlighting the company's robust market position and growth potential.
- Kohl's Price Target Cut: Goldman Sachs lowered its price target for Kohl's from $15 to $13 while maintaining a sell rating, citing mixed quarterly results and decelerating same-store sales, reflecting challenges in the retail sector.
- Nike Upgrade: Barclays upgraded Nike from hold to buy, raising the price target from $64 to $73, arguing that tariff risks have eased, and management's progress in inventory management and margin stabilization provides a solid foundation for investment.
See More
