Market Update, Interest Rates, Yield Curve & US Treasury Debt

Market Update for September 15, 2023

 FZDXX Money Market Fund:

US Treasury Yield Curve 

https://www.ustreasuryyieldcurve.com/

Canada Bond Yield Curve 

Total Treasury Debt

Ask questions and read discussion on my Facebook Investing for the Long-Term group.

To see what stocks and ETFs are in my "Explore Portfolio" and get a full list of on my price targets to both take profits or buy more:

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Kirk's Investor Sentiment Charts & Data

  🐂📈Kirk Lindstrom's Investor Bull/Bear Sentiment Charts for 8/24/23 📉🐻

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II Investors Intelligence & AAII (American Association of Individual Investors) Sentiment Updates.

Graphs best views full screen.

II Bulls and Bears Sentiment Graphs

AAII Bulls and Bears Sentiment Graphs: The AAII Investor Sentiment Survey measures the percentage of individual investors who are bullish, bearish, and neutral on the stock market for the next six months.

These charts are covered on page 6 of my newsletter with updates during the year for what the different types of sentiment charts mean to me. This is an easy place to give my subscribers updates of charts too numerous to add each month I cover.

To see what stocks and ETFs are in my "Explore Portfolio" and get a full list of on my price targets to both take profits or buy more:

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Market Update for July 31, 2023

What a great year we've had now with seven months in the books. 

• After a major bear market that bottomed in October of 2022, the four major indexes are mostly recovered to 3.4% to 18.0% below their record all-time highs.
• My Explore Portfolio is just 0.1% below its record all-time high!
• Inflation is running at 3.0% year-over-year while we are getting 5% in money market funds for a 2.0% positive real return!  
• Finally, after what seems like decades, we are getting rewarded for saving money (ignoring taxes of course)!

FZDXX is "Fidelity Money Market Fund Premium Class"

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US Treasury Rates, Graphs & Yield Curve

 US Treasury Interest Rate graphs through 7/21/23

US Treasury Yield Curve
from https://www.ustreasuryyieldcurve.com/ 

 US Treasury Interest Rates

From https://home.treasury.gov/ 

TIPS:

Kirk Lindstrom's Investment Letter

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Kirk's Investor Sentiment Charts & Data

 🐂📈Kirk Lindstrom's Investor Bull/Bear Sentiment Charts for 6/29/23 📉🐻

Reminder, you can subscribe or follow this feed and get sent emails by Google when I post new charts and articles. Just click "Follow" below.

II Investors Intelligence & AAII (American Association of Individual Investors) Sentiment Updates.

Graphs best views full screen.

II Bulls and Bears Sentiment Graphs

AAII Bulls and Bears Sentiment Graphs: The AAII Investor Sentiment Survey measures the percentage of individual investors who are bullish, bearish, and neutral on the stock market for the next six months.

 

These charts are covered on page 6 of my newsletter with updates during the year for what the different types of sentiment charts mean to me. This is an easy place to give my subscribers updates of charts too numerous to add each month I cover.

To see what stocks and ETFs are in my "Explore Portfolio" and get a full list of on my price targets to both take profits or buy more:

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the June 2023 Issue for FREE!!! 
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LIBOR Rates

LIBOR Rates are near decade highs

Chart of LIBOR Rates from 1993 to 6/24/23

When rates were high and falling, I used to get hybrid loans that were fixed for one to five years then variable for the next 30 years. 

Back when rates were under 4% for 30-year loans, I recommended replacing these risky, variable rate loans with fixed rate loans.

In 2011, I ate my cooking and refinanced my 30 year LIBOR plus 1.25% loan with a 15-year, fixed rate mortgage at 3.375%. For a few years, LIBOR kept falling and it would have been cheaper to stay with the variable loan but now I'm paying less than inflation, the cash to pay it off is in Series I bonds making inflation plus as much as 3.0%

As this article notes, LIBOR was phased out in 2021 for setting loan rates.

From Wikipedia 

The London Inter-Bank Offered Rate is an interest rate average calculated from estimates submitted by the leading banks in London. Each bank estimates what it would be charged were it to borrow from other banks. It is the primary benchmark, along with the Euribor, for short-term interest rates around the world. Libor was phased out at the end of 2021, and market participants are being encouraged to transition to risk-free interest rates such as SOFR and SARON.

As of late 2022, parts of it have been discontinued, and the rest is scheduled to end within 2023; the Secured Overnight Financing Rate (SOFR) is its replacement. 

Libor rates are calculated for five currencies and seven borrowing periods ranging from overnight to one year and are published each business day by Thomson Reuters. Many financial institutions, mortgage lenders, and credit card agencies set their own rates relative to it. At least $350 trillion in derivatives and other financial products are tied to Libor.

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More about Series I Bonds

• Composite Rates for Older Series I Bonds
  
  
• Current iBond Rates     
  
  
• Historical iBond Rates

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Market Update for June 17, 2023

 What a great year for bulls!

To see what stocks and ETFs are in my "Explore Portfolio" and get a full list of on my price targets to both take profits or buy more:

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