Global Real Estate & Economy Brief — 2025-11-19

🌍 At a Glance

• US Fed Funds Rate: 4.09 (as of 2025-10-01)
• US 30Y Mortgage: 6.24 (as of 2025-11-13)
• ECB Policy Rate: 2.0 [FRED:ECBDFR] as of 2025-11-18
• BoE Bank Rate: 4.00 (as of 2025-08-07)

🇺🇸 United States

• Parents Use Decades of Home Equity to Help Their Kids Buy in a Tough Market — Older homeowners are leveraging home equity to assist their children in purchasing homes amid a challenging housing market.
• At First, It Was Just ‘Livable.’ Now, It’s Their Brooklyn Dream Home. — Kwame Taylor-Hayford and Tamara Tribula renovated a Bedford-Stuyvesant townhouse into their dream home for their family.
• To Afford Manhattan, a Trainer Offered His Services — Trainer Rodrick Covington proposed offering his services to secure a Manhattan apartment he couldn't afford.

🇪🇺 Europe

• More than 80 countries at Cop30 join call for roadmap to fossil fuel phase-out — Over 80 countries at Cop30 advocate for a roadmap to phase out fossil fuels, emphasizing a transition as a key outcome.
• Caribbean slavery reparations body calls for ‘mutually beneficial’ restorative justice from UK — Caribbean leaders seek 'mutually beneficial' restorative justice from the UK, clarifying their goal is not to financially burden the British Treasury.
• ‘Out of touch’ hereditary peers criticised for voting against workers’ rights — Hereditary peers face backlash for opposing workers' rights, with critics labeling their actions as undemocratic and against the interests of working people.

🌏 Asia

• Google boss says trillion-dollar AI investment boom has 'elements of irrationality' — Sundar Pichai warns that the trillion-dollar AI investment boom may have irrational elements and could impact all companies if a bubble bursts.
• Judge rules Meta doesn't have monopoly after Instagram, WhatsApp acquisitions — A judge's ruling clears Meta of monopoly concerns following its acquisitions of Instagram and WhatsApp, avoiding potential breakup.
• Don't blindly trust what AI tells you, says Google's Sundar Pichai — Sundar Pichai advises caution in trusting AI outputs, recognizing the risks of inaccuracies in Google's models.

🎯 GPT Strategy

🇺🇸 United States

• **Positioning Idea:** Invest in Home Equity Conversion Mortgage (HECM) ETFs to capitalize on older homeowners leveraging equity for family support.
• **Risk Note:** Market fluctuations may impact home values and equity availability.
• **Positioning Idea:** Consider residential REITs focused on urban areas to benefit from ongoing renovations and demand for family homes.

🇪🇺 Europe

• **Positioning Idea:** Invest in renewable energy ETFs to capitalize on the global push to phase out fossil fuels.
• **Risk Note:** Regulatory changes and technological advancements may impact returns.
• **Positioning Idea:** Consider REITs focused on sustainable infrastructure as Caribbean nations seek restorative justice and economic development.

🌏 Asia

• **Positioning Idea**: Consider investing in diversified tech-focused ETFs to capitalize on AI growth while hedging against potential bubble risks.
• **Risk Note**: Market volatility may increase if AI investments falter.
• **Positioning Idea**: Explore REITs focused on data centers and tech infrastructure, benefiting from AI demand while mitigating exposure to individual tech stocks.

Not financial advice. Educational insights only.