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๐Ÿ  Fed Rate Cut Does Not Necessarily Mean Mortgage Rates Will Also Drop! What is the Difference Between the Two?Mortgage Rates Depend on the 10-Year Treasury Yield, Not the Fed Rate! This is the key point! ๐Ÿ’ก 1. โŒ Main Misconception: No Direct Connection Some people think that if the U.S Federal Reserve starts cutting its federal funds rate, mortgage rates will also drop immediately. However, this relationship is not so straightforward and predictable. Effect of Fed Rate: The Fed rate only affects short-term borrowing costs and lending rates for banks at a primary level (like credit card rates). Mortgage rates are needed for the long term.

๐Ÿ  Fed Rate Cut Does Not Necessarily Mean Mortgage Rates Will Also Drop! What is the Difference Between the Two?

Mortgage Rates Depend on the 10-Year Treasury Yield, Not the Fed Rate! This is the key point! ๐Ÿ’ก

1. โŒ Main Misconception: No Direct Connection
Some people think that if the U.S Federal Reserve starts cutting its federal funds rate, mortgage rates will also drop immediately. However, this relationship is not so straightforward and predictable.

Effect of Fed Rate: The Fed rate only affects short-term borrowing costs and lending rates for banks at a primary level (like credit card rates). Mortgage rates are needed for the long term.
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Bullish
โœ๏ธ Market Scribble โ€” Big Signal from Bonds ๐Ÿ‘€๐Ÿ“‰ ๐Ÿšจ US 30-Year Treasury Yield jumps to 4.88% Highest level since September ๐Ÿ˜ฒ ๐Ÿ“ In simple words: The US government now has to pay more interest to borrow money long-term. This usually happens when investors demand higher returns because risk feels higher. โš ๏ธ Why this matters: โ€ข Higher long-term yields can pressure stock markets ๐Ÿ“‰ โ€ข Mortgage & loan rates can move higher ๐Ÿ ๐Ÿ’ณ โ€ข Signals tighter financial conditions ahead โ€ข Markets are re-pricing risk, not chasing hype ๐Ÿ’ญ What investors are thinking: More caution around inflation, rising debt, and the Fedโ€™s next move ๐Ÿฆ ๐Ÿ‘‡ Bottom line: Rising long-term yields can slow the economy and shake markets โ€” this is a serious warning signal worth watching closely ๐Ÿ‘€โœ๏ธ #Bonds #TreasuryYield $BTC {spot}(BTCUSDT) $PEPE {spot}(PEPEUSDT) $DOGE {spot}(DOGEUSDT)
โœ๏ธ Market Scribble โ€” Big Signal from Bonds ๐Ÿ‘€๐Ÿ“‰
๐Ÿšจ US 30-Year Treasury Yield jumps to 4.88%
Highest level since September ๐Ÿ˜ฒ
๐Ÿ“ In simple words:
The US government now has to pay more interest to borrow money long-term. This usually happens when investors demand higher returns because risk feels higher.
โš ๏ธ Why this matters:
โ€ข Higher long-term yields can pressure stock markets ๐Ÿ“‰
โ€ข Mortgage & loan rates can move higher ๐Ÿ ๐Ÿ’ณ
โ€ข Signals tighter financial conditions ahead
โ€ข Markets are re-pricing risk, not chasing hype
๐Ÿ’ญ What investors are thinking:
More caution around inflation, rising debt, and the Fedโ€™s next move ๐Ÿฆ
๐Ÿ‘‡ Bottom line:
Rising long-term yields can slow the economy and shake markets โ€” this is a serious warning signal worth watching closely ๐Ÿ‘€โœ๏ธ
#Bonds #TreasuryYield $BTC
$PEPE
$DOGE
๐ŸšจJUST IN: ๐Ÿ‡บ๐Ÿ‡ธ US 30-year #Treasury yield reaches 5.02%, its highest since November 2023. #TreasuryYield #US
๐ŸšจJUST IN: ๐Ÿ‡บ๐Ÿ‡ธ US 30-year #Treasury yield reaches 5.02%, its highest since November 2023.

#TreasuryYield #US
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Citibank Predicts 10-Year U.S. Treasury Yield to Hit 4.10% by Year-End Citibank forecasts that the 10-year U.S. Treasury yield will rise to 4.10% by the end of 2025, reflecting evolving economic factors and ongoing shifts in monetary policy . If yields climb as expected, borrowing costs for both corporations and governments may increase, potentially slowing economic activity and impacting interest-sensitive sectors such as utilities and real estate . This yield movement could also influence mortgage rates and corporate bond yields, making asset classes re-evaluate their attractiveness. Investors are advised to adjust their portfolios in response, as this forecast signals a broader trend toward post-pandemic normalization of interest rates . #TreasuryYield #CitibankForecast #BondMarket #FinanceNews #InvestingInsights
Citibank Predicts 10-Year U.S. Treasury Yield to Hit 4.10% by Year-End

Citibank forecasts that the 10-year U.S. Treasury yield will rise to 4.10% by the end of 2025, reflecting evolving economic factors and ongoing shifts in monetary policy .

If yields climb as expected, borrowing costs for both corporations and governments may increase, potentially slowing economic activity and impacting interest-sensitive sectors such as utilities and real estate .

This yield movement could also influence mortgage rates and corporate bond yields, making asset classes re-evaluate their attractiveness. Investors are advised to adjust their portfolios in response, as this forecast signals a broader trend toward post-pandemic normalization of interest rates .

#TreasuryYield #CitibankForecast #BondMarket #FinanceNews #InvestingInsights
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US 10-Year Yield Holding Strong โ€” A Fresh Headwind for Bitcoin Bulls The US 10-Year Treasury yield remains stubbornly high, even as many expect rate cuts from the Federal Reserve. Thatโ€™s creating tension: while lower yields usually help risk assets like Bitcoin, the yieldโ€™s resilience is keeping โ€œrisk-offโ€ sentiment intact. For crypto traders and investors, this means caution. A high yield makes bonds and other fixed-income instruments more attractive โ€” reducing the relative appeal of volatile assets such as Bitcoin. Even if $BTC Bitcoinโ€™s fundamentals are solid, macroeconomic factors like bond-market stability and yield behavior remain powerful influences. If the 10-year yield stays elevated, crypto rally chances may stay limited โ€” at least in the short to medium term. As always: balance optimism with reality, and donโ€™t treat crypto as immune to global financial shifts. #bitcoin #CryptoNews #TreasuryYield #CryptoMarket
US 10-Year Yield Holding Strong โ€” A Fresh Headwind for Bitcoin Bulls

The US 10-Year Treasury yield remains stubbornly high, even as many expect rate cuts from the Federal Reserve. Thatโ€™s creating tension: while lower yields usually help risk assets like Bitcoin, the yieldโ€™s resilience is keeping โ€œrisk-offโ€ sentiment intact.

For crypto traders and investors, this means caution. A high yield makes bonds and other fixed-income instruments more attractive โ€” reducing the relative appeal of volatile assets such as Bitcoin.

Even if $BTC Bitcoinโ€™s fundamentals are solid, macroeconomic factors like bond-market stability and yield behavior remain powerful influences. If the 10-year yield stays elevated, crypto rally chances may stay limited โ€” at least in the short to medium term.

As always: balance optimism with reality, and donโ€™t treat crypto as immune to global financial shifts.

#bitcoin #CryptoNews #TreasuryYield #CryptoMarket
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U.S. Treasury Yields Fall as Bond Prices Climb Amid Economic UncertaintyU.S. Treasury yields declined sharply this week, with the benchmark 10โ€‘year yield dipping below 4%, while bond prices surged in response. This movement reflects investorsโ€™ growing demand for safe-haven assets amid signs of slowing economic growth and easing inflation pressures. Analysts point to weaker labor market indicators and moderating commodity prices as key drivers, which have fueled expectations that the Federal Reserve may adopt a more accommodative stance in the near term. Safe-haven flows have pushed bond prices higher, while the cost of hedging against further yield declines suggests the market anticipates additional drops. The decline in Treasury yields carries broader implications: borrowing costs may ease, long-term bondholders benefit from rising prices, and the yield curve signals market concerns about future growth. Investors are closely watching upcoming economic data and Federal Reserve communications, which could influence the trajectory of yields in the weeks ahead. #TreasuryYield

U.S. Treasury Yields Fall as Bond Prices Climb Amid Economic Uncertainty

U.S. Treasury yields declined sharply this week, with the benchmark 10โ€‘year yield dipping below 4%, while bond prices surged in response. This movement reflects investorsโ€™ growing demand for safe-haven assets amid signs of slowing economic growth and easing inflation pressures.
Analysts point to weaker labor market indicators and moderating commodity prices as key drivers, which have fueled expectations that the Federal Reserve may adopt a more accommodative stance in the near term. Safe-haven flows have pushed bond prices higher, while the cost of hedging against further yield declines suggests the market anticipates additional drops.
The decline in Treasury yields carries broader implications: borrowing costs may ease, long-term bondholders benefit from rising prices, and the yield curve signals market concerns about future growth. Investors are closely watching upcoming economic data and Federal Reserve communications, which could influence the trajectory of yields in the weeks ahead.
#TreasuryYield
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Bullish
Are you still pretending that a 4.1% yield on a 10-year bond is actually "attractive" in 2026? ๐Ÿคก๐Ÿ“‰ The 10-year Treasury yield just took a little nap, sliding down to 4.1%, and suddenly those "safe" investments look about as exciting as watching paint dry in a bear market. ๐Ÿ˜ด๐Ÿ’ธ $BTC {future}(BTCUSDT) $SEI {future}(SEIUSDT) It turns out that when the return barely covers your inflation-adjusted coffee habit, people start looking for the exit door. ๐Ÿšช๐Ÿƒโ€โ™‚๏ธ Investors are getting itchy feet because "safe" is now just another word for "stagnant." ๐Ÿ“‰๐Ÿ”ฅ $GIGGLE {future}(GIGGLEUSDT) While the boomers cry over their shrinking coupons, the rest of the market is remembering that risk is where the real money is made. ๐Ÿš€๐Ÿ’ฐ Stop playing it safe and start paying attention; the liquidity is moving. ๐Ÿคก๐Ÿง  #TreasuryYield #BondMarket #RiskOn #FinanceNews
Are you still pretending that a 4.1% yield on a 10-year bond is actually "attractive" in 2026? ๐Ÿคก๐Ÿ“‰
The 10-year Treasury yield just took a little nap, sliding down to 4.1%, and suddenly those "safe" investments look about as exciting as watching paint dry in a bear market. ๐Ÿ˜ด๐Ÿ’ธ
$BTC
$SEI

It turns out that when the return barely covers your inflation-adjusted coffee habit, people start looking for the exit door. ๐Ÿšช๐Ÿƒโ€โ™‚๏ธ

Investors are getting itchy feet because "safe" is now just another word for "stagnant." ๐Ÿ“‰๐Ÿ”ฅ
$GIGGLE

While the boomers cry over their shrinking coupons, the rest of the market is remembering that risk is where the real money is made. ๐Ÿš€๐Ÿ’ฐ

Stop playing it safe and start paying attention; the liquidity is moving. ๐Ÿคก๐Ÿง 
#TreasuryYield #BondMarket #RiskOn #FinanceNews
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