I often start here because if you don’t know what GLD is, the predictions won’t make sense. GLD is an ETF (exchange-traded fund) that aims to mirror the price of gold, minus costs. Essentially, by buying gld stock forecast  you are betting on gold’s path without owning physical bars.
We care about GLD’s future price because many investors use it as a hedge, safe asset, or inflation play.

Why Forecasts Differ Widely

They say “forecasts are guesses,” but with GLD there are clear levers:

• We see macroeconomic forces (inflation, interest rates, central bank moves) pushing gold one way or another.

• We see sentiment and flows how much money enters or exits GLD as a signal of investor appetite.

• We see technical patterns (support, resistance, overbought, oversold) that help timing.

Because all these inputs move, different analysts land in diverse places.

Current Signals and Recent Trends

They tell us where GLD stands now.

• GLD has broken higher in short term, with support forming from past trend lines. 

• Technical indicators like RSI are getting into overbought zones, which raises the risk of a pullback.

• Big inflows into gold ETFs, including GLD, suggest strong demand but sometimes extremes in inflows flag a reversal is due. 

So, signals are mixed: momentum is positive, but the risk of correction is real if sentiment shifts.

Arguments for a Bullish Outlook

I want to show what supports a rising GLD forecast:

1. Interest Rate Cuts Anticipated
   If central banks, especially the U.S. Fed, ease rates, gold often benefits because lower rates reduce opportunity cost.

2. Inflation and Currency Weakness
   If inflation remains sticky and the dollar weakens, gold becomes more attractive.

3. Safe-Haven Demand
   In uncertain times (geopolitics, debt stress), capital often flows into gold/GLD.

4. Forecasts from Major Institutions
   Goldman Sachs, for example, expects sustained demand and sees gold reaching fresh highs.
   Deutsche Bank also lifted its gold near-term target. 

Because GLD tracks gold closely, these forces push its price higher in a bullish scenario.

Arguments for a Bearish or Cautious Outlook

I also need to show the counterpoints:

• Overbought technical readings warn of a pullback.

• If interest rates stay higher for longer (or surprise hikes), gold might lose luster.

• If inflation falls sharply, the justification for gold as inflation hedge weakens.

• Extreme investor euphoria and inflows can be contrarian when everyone is bullish, corrections often follow.

So, downside or sideways risks are meaningful.

What the Forecasts Say Now

I like to show examples so you see how analysts vary:

• StockInvest sees a modest rise (~5.96% in three months) and sets resistance near ~$379.50. 

• WalletInvestor is more bullish long term, projecting GLD might reach ~$532 in 5 years. 

• StockScan is more bearish, suggesting a decline from current levels. 

• Tickeron flags overbought conditions and warns of possible retreat.

These examples show that predictions range widely from moderate upside to significant downside.

Key Levels to Watch (Support & Resistance)

I find it useful to track levels. Here are ones to observe:

• Support Zones: ~$355, ~$334 if GLD falls back, these might act as cushions. 

• Resistance Zones: ~$366 to ~$380 breaking above this band could signal stronger upside. 

• If we lose support decisively, that could shift outlook more bearish.

What I Would Do in This Situation (Hypothetical Strategy)

If I were trading or investing in GLD now:

• I might enter gradually on dips, rather than one large position  this helps manage risk.

• I’d use stop losses or trailing stops below key support levels.

• I’d monitor macro news (inflation data, rate decisions) closely  these can swing sentiment fast.

• I’d stay alert for divergences (e.g. price rising but momentum weakening)  those often precede reversals.

Final Thoughts

The outlook for GLD’s price is balanced. The bullish case is supported by macro tailwinds, institutional forecasts, and demand signals. The bearish case is backed by technical caution and the risk of rising rates or sentiment reversal.

If I had to pick a tilt today, I lean slightly bullish, but with caution I expect some volatility and possible short-term corrections.

If you like, I can also build a scenario model (bull, base, bear) for GLD over 3, 6, 12 months. Do you want me to do that?

Unlocking the Opening Time of the Hang Seng Index: Hong Kong Market Hours Guide 

Introduction

I often hear people ask: “What time does the Hong Kong market open and when can I follow the Hang Seng Index?” It’s a good question. Knowing the exact opening time of the index and exchange can help you plan better, whether you’re investing, watching global markets or simply curious. In this article I’ll walk you through the key hours, why they matter, how to adjust them to your time zone, and some practical tips.

What you mean by “opening time”

When we say “opening time” of the Hang Seng Index, we’re referring to when trading officially begins on the Hong Kong Stock Exchange (HKEX) and when the index starts updating live. The index itself moves during trading hours of the exchange. For example: the HSI tracks many of the largest companies listed on HKEX. 

Exchange schedule at a glance

We’ll keep this short then we’ll break down the details.

• Pre-opening (orders accepted, no full trading): 9:00 am local time.

• Morning session: 9:30 am to 12:00 pm Hong Kong time.

• Lunch break: 12:00 pm (or 12:00 noon) to 1:00 pm (some sources say to 1:00 pm) local time.

• Afternoon session: 1:00 pm to 4:00 pm local time.

Why this schedule matters

They matter because:

• We know when the market is active. If you’re looking at trends or planning trades, you want to be in sync with actual hours.

• We can plan around time-zone differences. If you’re in Pakistan (Asia/Karachi), or anywhere else, you’ll need to convert the hours.

• Market openings often bring more volatility. If a big move happens, it’s likely around open or just after.
  I remember talking to someone who set an alarm for 9:30 am HK time to catch the first wave of activity. It worked out for them.

Converting to your time zone (Pakistan)

Let’s walk through this together. Hong Kong Standard Time (HKT) is UTC+8. Pakistan Standard Time (PKT) is UTC+5. So there’s a 3-hour difference (HK ahead).

• When it’s 9:30 am in Hong Kong, it’s 6:30 am in Islamabad (PKT).

• When the afternoon session begins at 1:00 pm HK time, it’s 10:00 am in Islamabad.
  If you live in Pakistan and you want to watch the first trades of the day on the Hang Seng Index, you’d be ready at 6:30 am PKT.

What happens at “opening”

We should clarify. At about 9:00 am local H.K. time, the exchange allows order placement but full continuous trading begins at 9:30 am.
Here’s how I think of it:

• From 9:00-9:30 am HK: you can place orders, but the market isn’t fully in motion.

• At 9:30 am HK: trading kicks off. The Hang Seng Index starts reflecting real trades in real time.

• This means if you’re following the index’s opening move, the 9:30 am mark is your “start” time.

How the lunch break affects things

We often forget this: the market pauses for a lunch break between sessions. From 12:00 pm to 1:00 pm HKT (or about that) the market is effectively closed for most securities.
For the Hang Seng Index, that means: no new trades in that hour, so less movement. If you’re tracking intraday action, don’t count on major moves during the break.

What to expect during the afternoon session

When the afternoon session opens at 1:00 pm HK time, trading resumes. Liquidity often goes back up. The Hang Seng will keep updating until 4:00 pm HK time when the close comes. If I were you, I’d keep an eye on volume and news around 1:00 pm because fresh trades may pick up. It’s a second window of opportunity.

Things that influence the opening time or market start

A few scenarios can change things:

• Public holidays: The HKEX will be closed, so the Hang Seng won’t open that day.

• Severe weather or system disruptions: Sometimes the exchange delays or changes opening times. It’s rare but possible.

• Time-zone misunderstandings: If you’re somewhere remote, you might shift the wrong way and miss the start.
  By being aware of these, you’ll avoid moments when you expect action but none happens.

Why traders and observers care about the opening

We care because the first trades of the day can reveal:

• Market sentiment overnight: For example, how the U.S. or China markets closed might affect Hong Kong’s open.

• Patterns and volatility: Some days the first 30 minutes are the most active.

• Index direction: Since the Hang Seng Index reflects many large Hong Kong-listed companies, its open move might hint at how the rest of the day will unfold.
  I’ve seen friends track the opening bell just to get a read on whether the mood is bullish or bearish.

Practical tips if you’re following from abroad

Here’s what I suggest:

1. Set your time zone converter: Always double-check what 9:30 am HK time means in your local zone.

2. Prepare ahead: If you want to act on opening trades, have your screen, app or broker ready by about 15 minutes before the open.

3. Don’t focus only on the very first minute: While the first trades matter, the momentum may develop over 30–60 minutes.

4. Use global cues: News from China, the U.S., or Asia overnight can affect how the Hang Seng opens. So check what happened before the Hong Kong open.

5. Respect the lunch break: Know that there’s a pause in trading. It’s a good time for a quick break too.

What the opening time tells you about the market health

When you pay attention to the open of the Hang Seng Index, you can indirectly gauge:

• Overall market volume: A weak opening might indicate low confidence.

• Sector strengths: Some sectors (banks, tech, property) may surge or drop early.

• Broader economy signals: Because Hong Kong is a global financial hub, the opening move sometimes reflects global sentiment.
  In short: the opening time isn’t just a clock it’s a signal.

Final thoughts

So, to sum up: the exchange that the Hang Seng Index relies on starts full continuous trading at 9:30 am Hong Kong time, with a pre-opening beginning at 9:00 am. There’s a lunch break, then trading runs until 4:00 pm. If you’re in Pakistan, that means being ready around 6:30 am PKT for the open. Stay aware of holidays or weather delays. By understanding the schedule you’ll use your time smarter—whether you’re investing, watching, or simply staying informed.

When Will Perth Property Market Pick Up — and Why It Might Happen Sooner Than You Think 

Introduction

I remember when friends asked me “So, when will the Perth property market pick up?” It’s a fair question. You’re wondering if now’s the time to buy, sell or simply keep watching. In this article, I’m going to walk you through what’s really happening in the Perth property market, why things may be shifting, and what signs suggest a pick-up is underway. You’ll get clear points, examples and what to watch written in simple, real talk.

1. Why Things Felt Slow And Why That’s Changing

We saw the Perth market hit a lull in previous years, especially compared with Sydney and Melbourne. One reason was that while interest rates were high, supply was growing and buyers were cautious. In 2025 however, there are signs of change: listings are falling, vacancy rates are very low, and buyer demand is building.

Key points:

• Supply of homes for sale is tighter than usual.

• Rental markets are strong, pointing to demand for housing.

2. The Role of Interest Rates

They say “rates matter” when it comes to property. We’ve seen the Reserve Bank of Australia (RBA) cut the official cash rate, which makes borrowing a bit easier. In Perth’s case, that appears to have helped buyers step in.

Why it matters:

• Lower interest rates = lower monthly repayments in many cases.

• Buyer confidence rises when borrowing is easier.

• Even a modest rate cut can signal to the market that things might improve.

3. Population, Migration & Local Demand

We noted earlier how supply is tight but demand is also strong. Many people are moving into Western Australia, looking for affordable housing and lifestyle. That means more competition for homes in Perth.

Example:
A suburb where homes sell quickly because new buyers are arriving from other states looking for value.

4. Signs the Market Is Already Picking Up

We’re not just talking theories there are real clues. For instance:

• Dwelling values in Perth rose +6.5% year-on-year in July 2025.

• Units (apartments) are out-performing houses in growth pace.

• Median days on market are shrinking: homes are being snapped up faster.

So yes, the pick-up has already begun in many segments.

5. Which Types of Properties Are Acting First

We found that units are leading the charge, likely because they’re more affordable. We also see outer-suburbs or growth corridors showing strength because they offer more value than inner city.

What this means if you’re buying or investing:

• Consider apartments or units if you’re wanting quicker growth.

• Look at suburbs with good amenities, transport and value rather than the most expensive areas.

• Be aware that prestige suburbs may grow slower but hold up better.

6. Timing: When Could the Acceleration Really Show?

We can’t promise a specific month, but judging by patterns, here’s what I think:

• As we move through late 2025 into early 2026, the market could pick up more noticeably because rate cuts, tighter supply and demand all converge.

• Seasonal patterns: spring is often the busy time in property. In Perth, listings and sales tend to rise in spring.

• If interest rates drop further or remain stable, that acts as a trigger.

So if you’re waiting for a real “pick-up” moment, late 2025 or early 2026 looks plausible.

7. Risks and What Could Stall the Pick-Up

We can’t ignore possible roadblocks. Some issues to watch:

• If interest rates go up instead of down, buyer capacity may tighten again.

• Supply increases: new builds entering the market can ease shortages and slow growth.

• If migration or population growth slows, demand may weaken.

• Macroeconomic factors like global commodity prices (important in WA) could impact employment and sentiment.

So while things look good, they are not guaranteed.

8. What Buyers Should Do Now

If I were advising someone looking to buy in Perth right now, my suggestions would be:

• Get your finances in order: know your borrowing capacity.

• Don’t wait forever: the signs of pick-up are already present.

• Be intentional: decide whether you’re buying to live in or invest. That changes your strategy.

• Research suburbs carefully: value, access, infrastructure matter.

• Consider that price growth might moderate (not double-digit each year forever) but steady growth still beats stagnation.

9. What Sellers Should Consider

If you’re selling now or soon, this is good news for you. I’d say:

• You may be in a “sweet spot” where demand is ahead of supply.

• Pricing and presentation matter: market is competitive, expect scrutiny.

• If you’re moving on, consider timing your listing for when buyers are active (spring or when rates ease).

• If you’re selling so you can upgrade, think about where you’ll go next because you’re still entering the same rising market.

10. The Big Takeaway

They say timing the market perfectly is hard and it is. But what we can say for the Perth property scene is: we’re past the “waiting for a pick-up” moment and into the “market is picking up” phase. Those who act with clarity (not haste) will likely benefit.

Final Thoughts

We’ve looked at a lot of pieces interest rates, demand from migration, low listings, strong rental markets, and the data showing growth in Perth. The question, “when will the market pick up?”, has an answer closer than many think. The pick-up is already underway and should become more visible late 2025 into 2026. If you’re considering entering the market whether buying, investing or selling the time is now to plan, prepare and act with purpose.

When does Lyft and Delta partnership end — Last-chance alert 

Introduction

At one point, Lyft and Delta teamed up so you could earn travel miles by taking Lyft rides. Now they’ve announced a change. If you’ve been using Lyft rides to earn SkyMiles, you’re probably wondering: “When exactly does their delta ends maf flights?” This article walks you through the timeline, the implications for you as a passenger or traveler, and what alternative options are on the table.

Background of the collaboration

A few years ago, Lyft and Delta began a partnership that let Delta’s SkyMiles members earn miles when riding with Lyft. This helped people combine everyday transport with travel rewards. Over time, Delta decided to switch things up and partner with another ride share provider. The switch signals a shift in how airlines and ride-hailing companies cooperate.

Exact end date of the collaboration

Here’s the key fact: the Lyft-Delta partnership officially ends April 7, 2025.
Up until that date, eligible Lyft rides (under the Lyft/Delta agreement) will continue to earn Sky Miles. After that date, the earning benefit stops. 

What you need to do if you’re a Sky Miles member

If you’re holding a Sky Miles account and linking it to Lyft:

• Make sure your Lyft account stays linked before April 7, 2025 so eligible rides earn miles.

• After April 7, you will no longer earn Sky Miles from Uber rides via Lyft under this old partnership.

• It’s wise to check your Sky Miles account activity and ensure you’ve captured all eligible rides.

• Be ready to move to Delta’s next partner for earning miles (see next section).

Why the change is happening

There are a few reasons:

• Delta is shifting its partnership to Uber, which has a larger footprint than Lyft and more rides that start or end at airports.

• Lyft may still have good partnerships, but for Delta’s loyalty programme this move makes sense in terms of scale and airport connectivity.

• For you the traveler it means one fewer way to earn via Lyft, but potentially new earning paths via Uber.

How much notice you get

Delta announced this change at the beginning of 2025 (January) with the end date in April.
That gives a few months for users to adjust. If you’re someone who uses Lyft regularly and cares about Sky Miles, now is the time to act.

What changes after the end date

After April 7, 2025:

• Lyft rides no longer automatically earn Sky Miles under the old Delta-Lyft deal.

• Delta members should look to link their accounts with Uber (see next).

• The earning structure under the new partner may differ (rates, ride types, etc.).

• Your past earned miles stay; only new rides under the old deal stop earning.

How the new Delta-Uber partnership works

Delta has announced that it will start working with Uber in spring 2025.
Here’s a breakdown of how you’ll earn under that new deal:

• 3 miles per dollar spent on Uber Reserve rides.

• 2 miles per dollar on premium Uber rides (Uber Black, Uber XL, Uber Comfort).

• 1 mile per dollar on UberX rides to/from airports (note: standard UberX rides not to/from airports may not qualify).

• 1 mile per dollar on Uber Eats orders (over a certain threshold) under the new deal.

In other words, the new partner brings different earning rules and may be more focused on premium rides or airport trips.

What this means for Lyft users who care about miles

If you’re a frequent Lyft user and you used the Lyft-Delta deal, here are the implications:

• You lose the “earn SkyMiles via Lyft” option after April 7.

• If you prefer Lyft for price or convenience, you may earn fewer travel miles via rides.

• You might want to switch your ride-preference (on trips tied to Delta flights) toward Uber if you chase miles.

• Alternatively, check if Lyft offers other airline or hotel loyalty programme partnerships that still work for you.

Tips for maximizing miles during the transition

To get the best out of this change:

1. Ride with Lyft now (before April 7) when it’s convenient and eligible for SkyMiles.

2. Link your Uber and SkyMiles accounts as soon as that becomes available (spring 2025).

3. Prioritize rides that earn more miles under the new deal (premium rides, airport pickups).

4. Keep all your receipts and track your rides — it helps in checking that the miles were correctly credited.

5. Review alternative earning options (other airlines, hotel partners) in case your ride habits change.

Frequently asked questions

Q: Can I still link Lyft after April 7 for SkyMiles earning?
A: No. After that date the Lyft-Delta deal ends, so new rides will not earn SkyMiles under that agreement.
Q: Do I lose my already earned miles?
A: No. Any SkyMiles you earned while the deal was active remain in your account.
Q: Will I get more miles if I ride Lyft a lot before the cut-off?
A: Yes — if you take eligible rides while the program is active, you still earn miles until the termination date.
Q: Does this change my Delta flight benefits?
A: Not directly. This deal change is about earning SkyMiles via ride-sharing. Your flight benefits (frequent flyer status, upgrades, etc.) are separate.
Q: Does Lyft offer another similar deal?
A: Possibly yes. Lyft has other partnerships with airlines and hotel programmes. But the specific SkyMiles + Lyft deal ends with Delta.

Closing Thoughts

So, to put it simply: the Lyft and Delta partnership ends on April 7, 2025. After that, if you ride with Lyft you won’t earn SkyMiles under that deal. Delta is switching to Uber for its ride-hailing loyalty tie-in, which means if you care about earning travel miles, it’s time to plan ahead. Whether you’re a frequent traveler, a rideshare user, or simply someone who likes to squeeze extra value from your trips you now know what’s changing and when.