Economy's soft landing isn't looking as soft anymore, says SoFi's Liz Young

SoFi’s Liz Young and JPMorgans’ AJ Oden, join 'Closing Bell' to discuss the markets, today's PPI report and the Fed's reaction to the data and what it all means for the Fed's next moves.

Пікірлер: 156

  • @kortyEdna825
    @kortyEdna82523 күн бұрын

    For boomers and senior citizens, the current market and economy are unnecessarily harder. I'm used to simply purchasing and holding assets, which doesn't seem applicable to the current volatile market, and inflation is catching up with my portfolio. My biggest concern is whether I'll survive after retirement.

  • @foden700

    @foden700

    23 күн бұрын

    Just buy and invest in Gold or other reliable stock , the government has failed us and we cant keep living like this.

  • @carssimplified2195

    @carssimplified2195

    23 күн бұрын

    Yes, gold is a great investment and a good bet against the devaluating dollar, been holding some for awhile now, I’m grateful my adviser’s moment by moment changes in the market are lightening quick, cos who know how much losses I would’ve had by now.

  • @PatrickFitzgerald-cx6io

    @PatrickFitzgerald-cx6io

    23 күн бұрын

    Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

  • @carssimplified2195

    @carssimplified2195

    23 күн бұрын

    Colleen Rose Mccaffery’’ is her name. She is regarded as a genius in her area and works for Empower Financial Services. She’s quite known in her field, look-her up.

  • @PatrickFitzgerald-cx6io

    @PatrickFitzgerald-cx6io

    23 күн бұрын

    Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

  • @RichardMoore-jg5tl
    @RichardMoore-jg5tl25 күн бұрын

    is it really worth investing in stocks in 2024, I’ve been on the sidelines watching the market for awhile and it seems to be pretty stagnant to me not that it matters because I’m in it for the long run, but how can one generate actual profit in this current market?

  • @RusuSilva

    @RusuSilva

    25 күн бұрын

    It may be a good idea to speak with a financial advisor who can help you develop a portfolio based on your individual goals and risk tolerance.

  • @FusunTumsavas-cq7tp

    @FusunTumsavas-cq7tp

    25 күн бұрын

    Partnering with a financial advisor has transformed my approach to investing. Their expertise and personalized guidance have not only helped me navigate complex financial markets but also optimized my portfolio to achieve my long-term goals efficiently.

  • @RossiPopa

    @RossiPopa

    25 күн бұрын

    Your advisor seems competent. Could you share how I can reach out to them? I've recently sold some property and am interested in investing in stocks, and I'm seeking guidance.

  • @FusunTumsavas-cq7tp

    @FusunTumsavas-cq7tp

    25 күн бұрын

    Monica Shawn Marti is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment

  • @RossiPopa

    @RossiPopa

    25 күн бұрын

    Wow, her track record looks really good from what I found online. I'll take a chance and see how it goes. Thanks for the info

  • @roddywoods8130
    @roddywoods813023 күн бұрын

    The dilemma of "higher interest rate leads to expensive borrowing leads to slow economic growth" and vice versa makes it difficult to manoeuvre economic parameters. Yet the stock market isn't showing any sign of slowdown caused by a recession outlook. Investing now instead of saving would make thousands of dollars in ROI if done right.

  • @selenajack2036

    @selenajack2036

    23 күн бұрын

    I don't agree it is a real dilemma. These parameters are tweakable can be effectively done to preserve economy while growing the economy. I do agree, though, that the market is rising hell. Heck, I've grown more than 70k this earnings call season.

  • @hushbash2989

    @hushbash2989

    23 күн бұрын

    That's an impressive growth there. I put all my eggs in one basket-- META-- and I really benefitted. My FA has advised we diversify going forward. Talking about tweaking the parameters, some countries have low inflation but are still economically prosperous.

  • @bsetdays6784

    @bsetdays6784

    23 күн бұрын

    In recent times it's mainly Asian countries maintaining that dual prosperity. Anyway, any chance you could recommend who you financial advisor is? I need some help investing this year.

  • @hushbash2989

    @hushbash2989

    23 күн бұрын

    Lauren Marie Ehlers is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

  • @kaylawood9053

    @kaylawood9053

    23 күн бұрын

    I'm impressed with the advisor's prompt response and expertise. Their clarity and professionalism instilled confidence from the start. Excited to explore opportunities together! Thank you.

  • @willberry6434
    @willberry643425 күн бұрын

    Liz has been bearish for so long

  • @nathanpruitt572
    @nathanpruitt57225 күн бұрын

    This whole rally started with talk of cutting rates. 6, then 3 and now 1. So expain the bull market.

  • @optimumgaming7404

    @optimumgaming7404

    25 күн бұрын

    It's not news which drives the market, the news is created to fit whichever direction the market manipulators want it to go. The entire thing is a massive scam to control universal wealth.

  • @niklas4031

    @niklas4031

    25 күн бұрын

    Exuberance

  • @keto6789
    @keto678925 күн бұрын

    She's been wrong for 10 years .....

  • @amdave76
    @amdave7625 күн бұрын

    the market climbs a wall worry.... just stay invested.

  • @chrischapman3722

    @chrischapman3722

    25 күн бұрын

    I’m in all bonds. There’s way too many people acting greedy with this market. Prices are out of control; especially housing. I’m just out. Right now you get 5% APY on cash… it’s free money for no risk. Lookup the buffet indicator, it estimates stocks are way over valued right now, also why he’s keeping 200 B in cash and he sounded nervous about the market very recently. Too many bought stuff they couldn’t afford with low interest rate debt; they’re about to feel the pain unless they’re very good planners.

  • @SmartestDumbGuy

    @SmartestDumbGuy

    25 күн бұрын

    ​@chrischapman3722 could also be late stage capitalism... when the rich have most the money, guess where it goes? Into assets. That increases PE ratios on stocks because more dollars are chasing investments.

  • @SmartestDumbGuy

    @SmartestDumbGuy

    25 күн бұрын

    ​​@@chrischapman3722 because of increase in easy education... kids in hi school can easily invest from a phone in their pocket for free with fractured shares. Increasing the amount of people investing by a ton. That has never been possible. The last decade really did change everything with technology. More dollars chasing investments.

  • @Jason-gp4hg

    @Jason-gp4hg

    18 күн бұрын

    😂😂😂😂 stay the course people just don’t get it 😂😂😂😂

  • @chrischapman3722

    @chrischapman3722

    17 күн бұрын

    @@SmartestDumbGuy yeah, and the overvaluation of stocks is almost at the same point it was in 1929, the yield curve in a month or so will have been inverted for so long that the only time that was inverted for longer was also the period preceding 1929. And they have no plans of cutting rates this year. Not saying anything like it’s going to crash tomorrow but I will say that everyone should be far more defensive right now until things are balanced out. The 1929 stock crash was no joke, puts everything else to shame, 90% of valuation just gone. Millionaires lept from buildings and just ended their lived because one day they were rich and the next they were broke. I know if that happened today the suicide rate would skyrocket because everyone’s retirement plans are based on stocks.

  • @mikev4373
    @mikev437325 күн бұрын

    The next time Liz is right about anything will be the first time.

  • @dangood2287
    @dangood228725 күн бұрын

    How are prices not adjusting downwards to compensat from 7 rate cuts expected to 1 rate cut expected?

  • @huunguyen5280

    @huunguyen5280

    25 күн бұрын

    All manipulation treasury pricing money rate does not matter much

  • @Willfully_Ignorant
    @Willfully_Ignorant25 күн бұрын

    How does 1 CPI reading being cool tell you that the last 3 being hot were just a blip? Shouldn’t that be the other way around?

  • @peterdangelo5882

    @peterdangelo5882

    24 күн бұрын

    Correct, its a joke

  • @davidlowe8597
    @davidlowe859725 күн бұрын

    The Starbucks coffee index is pointing to a hard landing.

  • @gregorymilla9213

    @gregorymilla9213

    25 күн бұрын

    Something about Starbucks having 4 shops within sight of each other

  • @ironsoul2633
    @ironsoul263325 күн бұрын

    All these so called experts all contradict each other, they don't have a clue

  • @xxxxl2333
    @xxxxl233325 күн бұрын

    Powel and FED need to keep market up till elections , this is the only way for Biden to win

  • @lnbt1

    @lnbt1

    25 күн бұрын

    With so many problems around the world and Ukraine war and middle east war, the gas / energy price are going to raise this summer and the inflation will be high again. Let's see how Fed is going to keep taming the lower interest rate.

  • @gregorymilla9213

    @gregorymilla9213

    25 күн бұрын

    @@lnbt1 just lie every other fed chairman in history . Trump juiced the economy even when it was booming 2017-2019 .

  • @RaniVeluNachar-kx4lu
    @RaniVeluNachar-kx4lu18 күн бұрын

    SOFT is a relative term. When you are homeless and use to sleeping rough on the street, sleeping in a house on a carpeted floor next to somebody's snoring dog is heaven. We are at 3.6% core CPI and we will, like the "biggest looser" competition, have to fight LONG and HARD for that last 1.6% reduction of CPI to get to 2.0% and I doubt that we will get there in this cycle at all. The Economic World will be just very happy with 2.5% core CPI and unemployment no worse than 4.3 or 4.5%, and a Dollar still in that 1.0875-1.0900 to the Euro range once the Fed puts in a 25 basis points cut or two down the road. I still think the first Fed Funds rate cut is December of 2024, not September.

  • @uehara7973
    @uehara797325 күн бұрын

    LOL, they are expecting a CUT already????? LOOOOOL, your expectations will be broken

  • @Susegeissler9
    @Susegeissler924 күн бұрын

    I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Victoria Wiezorek.

  • @EvelynWilliams34

    @EvelynWilliams34

    24 күн бұрын

    Wow. I'm a bit perplexed seeing her been mentioned here also Didn’t know she has been good to so many people too this is wonderful, I'm in my fifth trade with her and it has been super.

  • @Peterglasscock217

    @Peterglasscock217

    24 күн бұрын

    She is my family's personal Broker and also a personal Broker to many families in the United states, she is a licensed broker and a FINRA AGENT in the United States.

  • @Edwardmuscare1211

    @Edwardmuscare1211

    24 күн бұрын

    You trade with Victoria Wiezorek too? Wow that woman has been a blessing to me and my family.

  • @AndrewGreenwood4432

    @AndrewGreenwood4432

    24 күн бұрын

    I'm new at this, please how can I reach her?

  • @MarcusHalberstram1231

    @MarcusHalberstram1231

    24 күн бұрын

    I was skeptical at first till I decided to try. Its huge returns is awesome. I can't say much

  • @mariocabella5476
    @mariocabella547625 күн бұрын

    Today’s PPI was bad and markets rallied specially R2k and bonds rates went down. What else can you ask for? Tomorrow’s CPI will be better than the last one. Risk on. Do not look what people say, look what market does. And liquidity/refi is pretty good. Tomorrow could be a nice surprise and later may 22th Nvda’s earnings will bring market higher.

  • @theunbearablebull
    @theunbearablebull25 күн бұрын

    damn she's been bearish for so long lol

  • @jhull5870
    @jhull587024 күн бұрын

    The markets have moved as if the FED cut rates 6 months ago. Mania of the zero interest rates is back.

  • @nickvin7447
    @nickvin744725 күн бұрын

    No Shlt.

  • @willbergjames
    @willbergjames25 күн бұрын

    why your comapany stock never go up?

  • @timpxcs
    @timpxcs25 күн бұрын

    AJ Oden needs to listen to his own dialogue… He should ask himself- does my dialogue make sense? Do I sound like a confused millennial? Maybe my Nike sneakers shouldn’t be paired with a suit? maybe televised reporting isn’t my calling?

  • @jimmyz5831
    @jimmyz583125 күн бұрын

    One day we will stop discussing this very average prime rate. The world is in a growth spurt right now.

  • @themusic6808

    @themusic6808

    25 күн бұрын

    Amen

  • @juansay8257
    @juansay825725 күн бұрын

    Perhaps she's the reason why the company's stock price faced hard landing 😂😂

  • @georgeboutwell6069
    @georgeboutwell606925 күн бұрын

    No cuts….

  • @roosterr201
    @roosterr20125 күн бұрын

    since we already are in the great depression, there is no such thing as a soft or hard landing! we already crashed :(

  • @lighter86AJH
    @lighter86AJH25 күн бұрын

    Here is what will happen. Cpi will come in hot and market will still go up

  • @ScottFranklin-of3nz
    @ScottFranklin-of3nz25 күн бұрын

    Are those apple nbc cnbc laptops

  • @JimMcNutty
    @JimMcNutty25 күн бұрын

    Liz can be wrong. She is still fine.

  • @headspaceandtiming2114
    @headspaceandtiming211425 күн бұрын

    We aren’t heading in the right direction. Better get your self ready for a hike.

  • @peterdangelo5882
    @peterdangelo588224 күн бұрын

    FED just halved QT because it was all falling apart. This is a mess.

  • @YesCivic-R
    @YesCivic-R25 күн бұрын

    For moderat-earner, it's hard landing. Even EU ids dropping rate. costing $b forgone business opportunities in production and comsumption.

  • @Anthony-dj4nd
    @Anthony-dj4nd25 күн бұрын

    Looks like it's going to be a bad week😅

  • @leeinthesprings
    @leeinthesprings25 күн бұрын

    The market has made it clear they really don't care what the fed is doing anymore and fundamentals are not given the same weight as they did in the past... If anything made sense, Liz would be spot on. That being said, as a trader, I just go with the flow...

  • @AnthonyLoflin-nq8wo
    @AnthonyLoflin-nq8wo25 күн бұрын

    Don't you mean CRASH landing?

  • @MPDLR
    @MPDLR25 күн бұрын

    Luscious Liz in white. I love being a guy.

  • @louistan7560
    @louistan756024 күн бұрын

    Remember 2008. This time, it will be a lot worse.

  • @ronfinkbonner14
    @ronfinkbonner1424 күн бұрын

    A correction, then panhandle 🤔🤐

  • @lukejohnrussell1026
    @lukejohnrussell102624 күн бұрын

    We're at 3% inflation lol

  • @Snapcracklepop541
    @Snapcracklepop54123 күн бұрын

    Seems a flaccid playdough landing is less likely than a half chub landing. -cnbc

  • @ScottFranklin-of3nz
    @ScottFranklin-of3nz25 күн бұрын

    Need your 3d glasses in that room of a type of a room

  • @imrandhalla8336
    @imrandhalla833625 күн бұрын

    Liz Dan Guy 😢

  • @dons3073
    @dons307324 күн бұрын

    Because they know inflations going higher sell your house now yes

  • @Agent77X
    @Agent77X23 күн бұрын

    Liz Young the stock market Bear!😮

  • @davidtunstall6454
    @davidtunstall645425 күн бұрын

    Yet another report indicating to stagflation today

  • @eco-nutjob
    @eco-nutjob25 күн бұрын

    In heaven, I will be married to Liz Young.

  • @vaybor

    @vaybor

    25 күн бұрын

    why

  • @briantep458

    @briantep458

    25 күн бұрын

    go outside your house

  • @benjaming.2218

    @benjaming.2218

    25 күн бұрын

    You poor simp. Marriage only exists in hell.

  • @eco-nutjob

    @eco-nutjob

    24 күн бұрын

    @@briantep458 Says the person responding, lol.

  • @AnkitSingh-gb7ku
    @AnkitSingh-gb7ku24 күн бұрын

    This aged like milk

  • @gregorymilla9213
    @gregorymilla921325 күн бұрын

    This is the same recession the same people have been predicting everyday for the last three years .

  • @themusic6808

    @themusic6808

    25 күн бұрын

    If you take tech out of the major indices you’d see the market has pretty well traded flat since its bottom in late 2022 until late last year, and there likely has been a recession since then. This is an odd scenario where AI, large cap tech and huge earnings growth has masked that and where the market should be in its recovery it’s trading at an all time high. Which has got bears frustrated and bulls who don’t realize this listening to the bears and feeling nervous that things are too good lol and people who have been sitting in cash or treasuries not being able to get a signal on when to get back in because they think interest rates matter and they can time the market.

  • @gregorymilla9213

    @gregorymilla9213

    25 күн бұрын

    @@themusic6808 if what you are proclaiming was true the job market would have collapsed and unemployment would be sky high . Ford Motor gross profit for the twelve months ending December 31, 2023 was $25.641B, a 8.37% increase year-over-year. These numbers don’t happen just because only tech is doing well .

  • @mfinite689

    @mfinite689

    25 күн бұрын

    @@themusic6808 From Forbes this morning: "With 92% of firms reporting, 78% have surpassed earnings-per-share expectations and 59% have exceeded revenue forecasts. An above-average number of S&P 500 companies reported positive earnings surprises, quelling fears that the profit cycle had peaked. Profit margins for the S&P 500 for Q1 in 2024 were 11.7%, which is above the previous quarter’s net profit margin of 11.2%, and above the 5-year average of 11.5%. Seven sectors saw margin expansion while three sectors experienced margin contraction." That's more than just tech propping up the market. A broad variety of companies are beating expectations and the majority of sectors are showing increased profit margins. No recession this week but that won't stop someone from saying next week the recession is here.

  • @suleimanpeshawari1032
    @suleimanpeshawari103225 күн бұрын

    She was bearish last year

  • @mikev4373

    @mikev4373

    25 күн бұрын

    Liz will eventually be right…in the meantime she’s been left in the dust for years. It is comical at this point.

  • @thisguy73

    @thisguy73

    24 күн бұрын

    every year

  • @supadave422
    @supadave42225 күн бұрын

    Liz likes a hard landing 🤣

  • @keto6789

    @keto6789

    25 күн бұрын

    aaaw yeeeah

  • @saininj
    @saininj25 күн бұрын

    Oh, ya think!?

  • @AR-rn8ok
    @AR-rn8ok25 күн бұрын

    Well if they let off a little bit of steam, real estate won’t collapse, if they don’t take a little pressure off the economy by giving a little rate drop, things are going to be really bad. It’s not so much the level of rates alone but the combination of speed with which they increased them, that snowballs into a really bad collapse.

  • @vaneh6982
    @vaneh698225 күн бұрын

    E Y from SOFI is my fave on cnbc

  • @luislu8615
    @luislu861525 күн бұрын

    How can someone be so wrong for so long, yet always be so confident? That’s Liz Young’s strength I guess, very thick skinned indeed.

  • @themusic6808

    @themusic6808

    25 күн бұрын

    Bears would rather stay bearish because they know they get a few pull backs or a correction a year to have their ah hah moment and a few times a decade they get a recession to really relish over the I knew it all along, but they don’t make any money lol

  • @Chad_Max

    @Chad_Max

    25 күн бұрын

    DEI hire…

  • @user-xr6zm8cx6r
    @user-xr6zm8cx6r25 күн бұрын

    This anchor always bullish he doesn't want to see market correction which is fundamental

  • @sokatbeszel7312
    @sokatbeszel731225 күн бұрын

    😂

  • @daveybro
    @daveybro25 күн бұрын

    Forget about these media noise, trend is your friend until it isn’t - only fundstrat Tom Lee, got the prediction right - but he was sweating bullets while he was wrong- this tells me nobody can predict- what they say will eventually be right -

  • @liudizzle
    @liudizzle25 күн бұрын

    Liz, it’s ok to admit you’re wrong and turn bullish

  • @SmilingInstantCamera-ix9bx
    @SmilingInstantCamera-ix9bx25 күн бұрын

    Liz pushing back against mr. tow the line perpetual bull judge. good for her. things look great...until they don't! house of cards in here...look out for the slightest breeze. good job Liz!

  • @josefperry3836
    @josefperry383625 күн бұрын

    Tomorrow's going to give us a clear inflation picture. Two reports -- retail sales and the consumer price index -- are like boyfriend and girlfriend. Where the one is there also is the other.

  • @haze_the_alchemist1123
    @haze_the_alchemist112325 күн бұрын

    VOTE TRUMP

  • @shuikai272
    @shuikai27225 күн бұрын

    rates +5% for 1 year = stock go down

  • @briantep458

    @briantep458

    25 күн бұрын

    rates have been +5% for the past 10 months. Stocks have gone straight up

  • @shuikai272

    @shuikai272

    25 күн бұрын

    @@briantep458 give it a year or two

  • @ronsunshine3469
    @ronsunshine346925 күн бұрын

    Does she have expertise? Is that expertise validated by the performance of the company that employs her? Have her prior speculations and prognostications proven accurate? Well, she has a dynamite smile, nice body, and professional-sounding cadence, so she must be right. #Substance

  • @lulubelle551
    @lulubelle55125 күн бұрын

    Don’t worry you’ll get your QE and zero bound back soon enough…

  • @bradtaylor8624
    @bradtaylor862425 күн бұрын

    Been bearish and wrong.

  • @AH-fm7rj
    @AH-fm7rj25 күн бұрын

    Those who are arguing there is no need for rate cuts, are shorting tons of companies that are going to hit their bond maturity wall by the end of this year. There is going to be blood bath if rates don’t go back to 0 soon.

  • @brycesattler2301
    @brycesattler230125 күн бұрын

    ☯️

  • @yenafar
    @yenafar25 күн бұрын

    What does she get talking always negative, I mean seeing half full glass half empty, She’s been calling for market drop since the beginning of the year

  • @joeybob4112
    @joeybob411225 күн бұрын

    Nice try. Never been a soft landing ever

  • @duramajin3118
    @duramajin311825 күн бұрын

    Lol liz the bear bozo

  • @jimmyguni
    @jimmyguni25 күн бұрын

    In one breath, Liz says gdp growth will climb, and in next breath, consumer confidence is changing and down. CMI is already down. What do these people actually do all day to be “finance experts”?!

  • @kenthoover3573
    @kenthoover357325 күн бұрын

    No wonder Sofi stock is in the crapper

  • @wadej769

    @wadej769

    25 күн бұрын

    😂

  • @johnschwartz7231
    @johnschwartz723125 күн бұрын

    She's been a downer, even as the market goes to all time highs.What a joke and by the way, her bank's not doing very well either.Stay away

  • @williambudd2850
    @williambudd285024 күн бұрын

    Its time for the fed to stop their wishful thinking, get off their ass and raise rates again or go home and bake cookies.

  • @bradelliot1027
    @bradelliot102725 күн бұрын

    wait how long can Liz be wrong...two years and counting...seriously?

  • @jimmeh1990
    @jimmeh199024 күн бұрын

    At my opinion woman are better in trading.

  • @ecigglobal1116
    @ecigglobal111625 күн бұрын

    Everything is going to collapse Credit card debt is on all time high Stocks and real estate are due for 25%-30% Correction !

  • @briantep458

    @briantep458

    25 күн бұрын

    we just had two major corrections (33% and 27%) in 2 out of the last 4 years

  • @ecigglobal1116

    @ecigglobal1116

    25 күн бұрын

    @@briantep458 corrections up ?

  • @paulrobbo321
    @paulrobbo32125 күн бұрын

    She only gets a by but let’s be honest she’s actually worse than Guy and Dan because those two have stuck to their incorrect calls but she’s now just making noise

  • @waldondarin8323

    @waldondarin8323

    25 күн бұрын

    All three are equally terrible.

  • @andypicken7848
    @andypicken784825 күн бұрын

    What a load of fluff

  • @markl1473
    @markl147325 күн бұрын

    They pay Liz to be wrong.

  • @Toby-oq8cg
    @Toby-oq8cg25 күн бұрын

    Wrong again and again and again …

  • @ibrahimseth8646
    @ibrahimseth864625 күн бұрын

    Total Capital=300B=A1 Share Price=100 USD Portfolio=6(More or less) Capital Buy=USD Sell=USD Gross 30B 100 150 45B 30B 75 150 60B 30B 60 150 75B 30B 50 150 90B 30B 30 150 150B 30B 25 150 180B 30B 15 150 300B 30B 10 150 450B 30B 6 150 750B 30B 3 150 1500B Buy Share: 30 Year=300B=A2 1 Year=300B/30 Year 1 Year=10B 1 Month=10B/12 Month 1 Month=0.83B++ Yield(Average)=12% Yield(30 Year)=300B*1.12^30 Yield(30 Year)=8,980B++ If Dividen=4%=8,980B*4% Dividen=4%=359.2B If 5%=10B(Dividen) 100%=10B/5% 100%=200B(Invest) Loan=1,200B Yield=5% Year=30 Loan(30 Year)=1,200B*1.05^30 Loan(30 Year)=5,200B Loan=1,200B { A1=300B A2=300B Balance=B1=600B } If B1=600B Payout(30 Year)=9,000B { Loan(30 Year)=5,200B Balance(30 Year)=3,800B } Premium=? Yield=8% Year=30 Premium=9,000B/1.08^30 Premium=900B(30 Year) Premium(1 Year)=900B/30 Year Premium(1 Year)=30B 5%=30B(Dividen) 100%=30B/5% 100%=600B(Invest) Thank you.