If for some reason you wanted to get into the metrics, the mortgage rates are down not just because the FED cut but also the 10 Year treasury is down below 4.09% the lowest since last year in 08/2024 and up over 5.01% earlier 2025.  

This could mean the end of a 3+ year effort to shrink a portfolio of Treasuries that it acquired to provide stimulus after the 2020 pandemic upended the economy.

They have the FED doing QT to MBS starting Dec 1st, at same time their doing QE to treasuries.

Those buckets to be bonds, treasuries, CDs, HYSA, etc depending on how low risk and high reward you want them to be.Hope this helps!

I missed last year’s event in Cancún and promised myself I wouldn’t let that happen again, and I’m SO glad I made it this time around.The conference venue was the fabulous Caesars Palace Las Vegas Hotel & Casino, the perfect host for such a TOP-FLIGHT event.The breakout sessions, the exhibit hall and the presentations were all well organized and SUPER engaging.Keynote speaker Christopher Voss, Mr.

Speaking on NBC after 2 days of negotiations on the ground, Treasury Secretary Bessent said, the 2 leaders would meet face to face to hash out the deal this Thursday in Korea. 

They are still at a discount to the 10 year treasury bond (i.e. market trends indicate they will continue to escalate).

In fact the 10 year treasury dropped below 4% today! 

The average 30-year fixed mortgage rate is now approaching 6.25%, while the 10-year Treasury yield has dipped to 4.02%—a notable decline driven by a flight to safety and weakening economic signals.

Therefore, put the money into a low-fee stock index fund if you insist on investing (or something safer, like inflation protected treasury bonds).Why?