Moreover, the average forecasts indicate higher stock market indices, a depreciation of the Euro vis-à-vis the US Dollar, and lower oil prices by the end of the third quarter of 2018. However, despite the expectation of higher interest rates, the short-term interest rate is predicted to remain in negative territory. The 3-month Euribor is, on average, expected to reach -0.31 percent at the end of the third quarter of 2018, while the yield on German government bonds with 10-year maturity is expected to reach 0.81 percent by then. However, the experts do not expect the European Central Bank (ECB) to change the forward guidance of its monetary policy significantly. Stock markets are, on average, expected to increase by 9.2 percent (Stoxx 50) and 8.4 percent (DAX 30) until the end of the third quarter of 2018. During that same period, the experts predict the Euro to depreciate by 2.5 percent vis-à-vis the US Dollar, while oil prices are expected to fall by 7.8 percent.