Never comes back for various reasons (structural demographics and savings glut having been drained, broadly speaking). Easy to see this based on forward curves of various sovereign debt durations.
Not investing advice, but you're potentially better off paying more towards the principal with excess cashflow versus waiting for lower rates that are unlikely to arrive.
alt Hacker News
Never comes back for various reasons (structural demographics and savings glut having been drained, broadly speaking). Easy to see this based on forward curves of various sovereign debt durations.
https://www.ustreasuryyieldcurve.com/
From a Savings Glut to a Savings Shortage - https://www.apollo.com/wealth/insights-news/insights/daily-s... - September 12th, 2026
Not investing advice, but you're potentially better off paying more towards the principal with excess cashflow versus waiting for lower rates that are unlikely to arrive.
https://www.hsh.com/prepayment-refinance-calculator.html