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Financial market predictions for 2025 by global broker Octa
‘If you were to ask me what will be the key driving theme of 2025, I would say it will be the after-effects of the U.S. presidential elections’, says Kar Yong Ang, a financial market analyst at Octa broker, adding that Donald Trump’s proposed policies provide more uncertainties than opportunities. Indeed, it is the risk of rising inflation induced by new trade tariffs and immigration policies that separates an optimistic 2025 scenario from a pessimistic one. Before we start analysing the likely scenarios for 2025, let’s first look at the current economic conditions.
Current situation
Interest rates in most industrialised economies are currently 75-100 basis points (bps) below their recent peaks. However, real interest rates (adjusted for inflation) are still positive. As Kar Yong Ang explains: ‘If history is any guidance, interest rates are still relatively high. In fact, I think they are more restrictive than stimulative and will most likely continue to go down in 2025’. In fact, at the time of writing, the fixed income market (interest rate swaps) was implying a further 50 bps of cuts from the Federal Reserve (Fed), 100 bps from the European Central Bank (ECB), 50 bps from the Bank of Canada (BoC) and 50 bps from the Bank of England (BoE). As a result, the monetary policy divergence between the Fed and the rest of the world has pulled the U.S. Dollar Index (DXY) to a multi-month high.
U.S. stocks have performed very well over the past two years. However, the bullish trend in the S&P 500 and NASDAQ is beginning to show signs of exhaustion, especially after the Fed indicated that it intends to slow the pace of future rate cuts.
Gold (XAU) was moving in a very well-defined bullish trend for most of 2024 and set a new all-time high at the end of October. However, the volatility in gold started to increase after the U.S. presidential election brought policy uncertainty. Currently, XAUUSD finds itself in a sideways market, trading range-bound between 2,550 and 2,720, indicating a lack of a clear trend.
Bitcoin (BTC) made headlines in 2024 when its price jumped above $100,000 per coin. A major impulse came in November after Donald Trump’s victory in the U.S. presidential election fuelled hopes of crypto industry deregulation. However, these hopes have not yet been fulfilled, leaving Bitcoin and other crypto coins at risk of a sharp downward correction.
2025 outlook
Macro and the U.S. dollar
Declining interest rates mean that returns on cash (bank deposits) in most industrialised economies will continue to go down, prompting investors and traders to put their money into riskier assets like equities and cryptocurrencies. ‘Another important feature of the current monetary policy outlook is that the Fed’s easing cycle will slow relative to the rest of the world. It means that the U.S. Dollar Index [DXY] will likely remain well-supported in 2025’, argues Kar Yong Ang. However, a lot of bullish factors for the U.S. dollar are already priced in, and the greenback has actually started to look somewhat overvalued. ‘I’m sceptical about further dollar gains’, says Kar Yong Ang, adding that dollar bulls should be very cautious.
If the U.S. plays hardball and implements blanket tariffs, inflation and even recession risks will rise. In this scenario, investors will rush into safe-haven assets like the U.S. dollar, the Japanese yen, and gold and sell stocks and crypto assets.
Equities
Betting on broad-based growth in U.S. equities is dangerous. Instead, traders should focus on specific industries and sectors. The main theme here is the adoption and commercialisation of Artificial Intelligence (AI). Companies that integrate AI into their core operations and invest in AI talent and infrastructure will gain a competitive edge. Therefore, tech companies are likely to perform well in 2025. By the same token, the increased use of AI and data centres is boosting energy demand, so energy companies and utilities are also likely to shine in 2025.
Gold
‘I expect gold to set a new all-time high in 2025. $3,000 per ounce is not impossible. There are too many risks heading our way in 2025, so there will be plenty of demand for safe-haven assets’, says Kar Yong Ang, a financial market analyst at Octa broker. Indeed, gold will continue to remain an effective hedge against key political concerns, including government debt levels, inflation, and geopolitical tensions. Furthermore, central banks’ demand for gold has already supported gold prices in 2024, and there are no reasons to expect this trend to reverse.
Crypto
The latest rally in crypto looks overextended. It has been driven by sentiment and embedded in forward-looking hopes. ‘There is just too much optimism in Bitcoin right now. I think there is a risk of a significant pullback in 2025. But rather than betting on a bearish correction, I would advise using it as a buying opportunity’, says Kar Yong Ang.
Wrap-up
Overall, 2025 will be a year of reckoning as the impact of the U.S. presidential elections unfolds, determining the course of future policy. In the worst-case scenario of an all-out trade war, global supply chains would be severely disrupted, leading to significant price increases for consumers, decreased business investment, and a sharp contraction in international trade. Under this scenario, U.S. equities and most other commodity prices would drop. However, should we avoid the worst-case scenario, global central banks will likely continue to cut interest rates, pulling stocks and crypto assets higher.
Our base case scenario is somewhere in the middle. We expect to see a lot of volatility and uncertainty enter the marketplace, but we also expect key players to sort out their differences and find common ground. The AI transformation trend is likely to continue benefiting tech and energy companies. It is highly probable that XAUUSD will establish a new all-time high in 2025, given the likely continued gold purchases by investors and central banks in response to low interest rates, geopolitical risks, and dollar diversification efforts. The greenback will likely reach a major mid-term peak in 2025, so betting on its continuing appreciation is risky.
In case the regulatory outlook for the crypto industry starts to brighten (as seems likely) and the reshuffling of the Securities and Exchange Commission (SEC) yields productive results, Bitcoin, Ethereum, and Solana will probably hit new all-time highs—particularly in the second half of the year. Kar Yong Ang, a financial market analyst at Octa broker, concludes: ‘Fundamentally, the outlook for the global economy is actually positive, but it’s rife with uncertainties and riddled with challenges. I bet Forex volatility in 2025 will be higher than it was in 2024, so there will be plenty of short-term trade opportunities for swing and intraday traders alike’.
Hashtag: #Octa
The issuer is solely responsible for the content of this announcement.
Octa
Octa is an international broker that has been providing online trading services worldwide since 2011. It offers commission-free access to financial markets and various services used by clients from 180 countries who have opened more than 52 million trading accounts. To help its clients reach their investment goals, Octa offers free educational webinars, articles, and analytical tools.
The company is involved in a comprehensive network of charitable and humanitarian initiatives, including the improvement of educational infrastructure and short-notice relief projects supporting local communities.
In the APAC region, Octa received the ‘Best Trading Platform Malaysia 2024’ and the ‘Most Reliable Broker Asia 2023’ awards from Brands and Business Magazine and International Global Forex Awards, respectively.
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Tropicana Twister Builds Homes That Could Change Lives for Generations
Gandakan Kebaikan transforms nationwide kindness into real homes, delivering meaningful and lasting impact.
KUALA LUMPUR, MALAYSIA – Media OutReach Newswire – 22 April 2026 – Tropicana Twister’s ‘Gandakan Kebaikan’ campaign has reached a defining milestone with the completion and handover of homes to families in need, marking a tangible outcome of a nationwide movement built on everyday acts of kindness.
Developed in partnership with EPIC Homes, the initiative contributes towards the building of up to 100 homes for underserved communities, including Orang Asli families across Malaysia. What began during Ramadan as a simple call to do good has since translated into safe, liveable spaces that provide families with protection, stability and a chance to move forward.
“Gandakan Kebaikan reflects our belief that meaningful change happens when communities come together with a shared purpose,” said Aditya Sheoran, PepsiCo Franchise Senior Director. “Through this initiative, we’re building homes and helping to create stronger foundations for families to thrive, today and for the future.”
Jennifer Lee, Head of Marketing, PepsiCo Malaysia Beverages, shared, “This is where intention becomes impact. Tropicana Twister’s Gandakan Kebaikan campaign started as individual acts of kindness, and now, the result is visible, that Malaysians are and will continue to show up for one another.”
“Families living in unsafe homes live in constant worry, especially during heavy rain. An EPIC Home gives them a place where they can feel secure. It goes beyond being just a shelter – a safe home gives peace of mind, stability, and the hope for a better future.” said Nadhira Halim, (Asst. Manager, Fundraising & Partnership, EPIC Homes).
More than just physical structures, these homes create a sense of security and dignity, while giving families a stable environment to rebuild their lives. Built with the support of volunteers and local communities, each home reflects a collective effort that goes far beyond a single campaign.
While ‘Gandakan Kebaikan’ was rooted in the spirit of Ramadan, its impact continues to extend far beyond the festive season. By focusing on long-term community needs, Tropicana Twister reinforces its commitment to creating meaningful and lasting change.
“As a brand, we believe in the power of collective goodness. This project is about turning that belief into action and bringing people together to create lasting impact,” added Jennifer. “Just like every beam and plank forms a home, each of you is a vital piece in building this journey.”
With the completion of these homes, ‘Gandakan Kebaikan’ continues to build on its mission of supporting underserved communities across Malaysia, proving that collective goodwill can create an impact that lasts beyond a moment.
For more information, visit Tropicana Twister’s Facebook page @MYTropicana and watch here on YouTube to see the impact unfold.
Hashtag: #TropicanaTwister
The issuer is solely responsible for the content of this announcement.
About PepsiCo
PepsiCo products are enjoyed by consumers more than one billion times a day in more than 200 countries and territories around the world. PepsiCo generated more than $86 billion in net revenue in 2022, driven by a complimentary beverage and convenient foods portfolio that includes Tropicana, Lay’s, Doritos, Cheetos, Gatorade, Pepsi-Cola, Mountain Dew, Quaker, and SodaStream. PepsiCo’s product portfolio includes a wide range of enjoyable foods and beverages, including many iconic brands that generate more than $1 billion each in estimated annual retail sales.
Guiding PepsiCo is our vision to be the Global Leader in Beverages and Convenient Foods by Winning with pep+ (PepsiCo Positive). pep+ is our strategic end-to-end transformation that puts sustainability and human capital at the centre of how we will create value and growth by operating within planetary boundaries and inspiring positive change cafor the planet and people. For more information, visit
www.pepsico.com, and follow on Twitter, Instagram, Facebook, and LinkedIn @PepsiCo.
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Student bonds are built at SIM from orientation to graduation
From Orientation to a Continuous Student Journey
Orientation programmes have traditionally focused on introducing students to campus life. Today, they are increasingly seen as the starting point of a longer engagement model. Institutions such as the Singapore Institute of Management (SIM), onboarding is complemented by a structured ecosystem of activities that extends throughout the academic lifecycle. These include Student‑led Student Club Recruitment drives,, leadership camps, and peer-led initiatives that encourage early interaction and sustained participation over time.
Building Bonds Through Shared Experiences
Rather than relying solely on informal social interaction, universities or institutions are creating structured environments where students collaborate regularly. SIM, for instance, offers more than 70 student clubs spanning arts, sports, and academic interests, alongside activities such as hackathons, overseas community projects, and student-led events. Such platforms allow students to work together on common goals, reflecting real-world team dynamics and reinforcing skills such as communication and collaboration.
Learning Beyond the Classroom
The concept of student life is also expanding beyond academic settings. Dedicated platforms such as SIM’s Student Life initiatives are designed to provide a more holistic campus experience, reinforcing the idea that learning extends beyond formal instruction. At the same time, academic support systems such as the Student Learning Centre provide structured assistance through workshops, consultations, and learning resources, supporting both individual and group learning processes.
A Diverse and Global Learning Environment
With partnerships across universities in the United Kingdom, Australia, Europe, and the United States, institutions like SIM bring together students from varied cultural and academic backgrounds. This diversity creates opportunities for cross-cultural collaboration, which is increasingly relevant in a globalised workforce.
Connecting Student Experience to Career Outcomes
The emphasis on collaboration and engagement is also closely linked to employability. SIM’s broader model integrates academic programmes with industry partnerships, internships, and career services aimed at preparing students for a rapidly changing work environment. This reflects a wider trend in higher education, where experience is being designed not only around academic achievement, but also around the development of professional networks and workplace skills.
Redefining the University Experience
As learning models continue to evolve, universities or institutions are placing greater emphasis on how student interactions are structured over time. From orientation activities to co-curricular engagement and career preparation, the journey from enrolment to graduation is increasingly being shaped as a continuous pathway for collaboration, experience-building, and network development.
Reference:
- Project 1095 – https://project1095.simge.edu.sg/
- Singapore Institute of Management – https://www.sim.edu.sg
- SIM Global Education Overview – https://www.sim.edu.sg/degrees-diplomas/overview
Hashtag: #SIMGlobalEducation #SIMGE #GlobalEducation #InternationalDegree #CareerReady #FutureSkills
The issuer is solely responsible for the content of this announcement.
About SIM Global Education
SIM Global Education (SIM GE) is a leading private education institution in Singapore and the region. We offer more than 140 academic programmes ranging from diplomas and graduate diploma programmes to bachelor’s and master’s degree programmes with some of the world’s most reputable universities from Australia, Canada, Europe, United Kingdom, and the United States. SIM GE’s cohort is made up of 17,000 full- and part-time students and adult learners, of which approximately 41% are international students hailing from over 50 countries.
SIM GE’s holistic learning approach and culturally diverse learning environment aim to equip students with knowledge, industry skills and employability competencies, as well as a global perspective to succeed as future leaders in a fast-changing, technologically driven world.
For more information on SIM Global Education, visit www.sim.edu.sg.
Media OutReach
Where Ancient Ritual Meets Runway: Sanyuesan Festival Gets Modern Makeover in Wuzhishan
Alex, a visitor ventured to China’s southernmost province primarily for its renowned black tea. What he did not anticipate was taking a front-row seat at a breathtaking fashion show staged on water.
“This unique stage has allowed me to capture some wonderful images,” said Alex, who happened to be in Wuzhishan during the Sanyuesan Festival. “I originally came here simply as a fan of Wuzhishan’s black tea, but now I find myself deeply fascinated by the culture of Wuzhishan as well.”
The “unique stage” he refers to is the immersive water-based performance space created for the 2026 Sanyuesan Festival, featuring the “Miss Li · Hainan Sanyuesan Water Village Show.” This innovative platform, with water as its runway and the rainforest as its backdrop, presents the Sanyuesan, a traditional celebration of the Li and Miao ethnic groups with thousands of years of history, through a contemporary lens, appealing to both local and international audiences.
The Sanyuesan Festival is memorable not only for its visual appeal but also for its interactive nature. In 2025, the event in Wuzhishan received 175,000 visitors and generated 110 million yuan (approximately 15.1 million US dollars) in consumption. This year, Wuzhishan introduced five premium tourist routes, converting ecological resources — including millennium-old tree fern groves, tropical rainforest tea gardens, and Yahu Terraces — into tourism products.
“Previously, folk culture felt distant,” said Shan Lijun, a tourist from northeast China’s Heilongjiang Province. “But now, in Wuzhishan, I can sip tea, watch a village show, and dance with the locals— it all feels very ‘cool.'”
Additionally, the festival is witnessing the evolution of local intangible cultural heritage industries. A Li brocade fashion and cultural creative design competition showcased innovative garments and creative works, merging traditional craftsmanship with contemporary fashion. This heritage item, once listed on UNESCO’s List of Intangible Cultural Heritage in Need of Urgent Safeguarding, has now, through the concerted efforts of many, been transferred to the Representative List of the Intangible Cultural Heritage of Humanity, and is reaching broader markets through collaborations with international designers.
Hashtag: #Sanyuesan
The issuer is solely responsible for the content of this announcement.
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