American Association of Individual Investors

American Association of Individual Investors

Should You Lock In Today’s Interest Rates?

The right fixed-income choice depends on when you need the money and which risks you are most willing to bear.

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AAII
Nov 09, 2026
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  • Learn how Federal Reserve policy and market expectations influence bond yields, prices and interest-rate risk

  • Compare short-term Treasurys, longer-term bonds, bond ladders and TIPS to balance reinvestment risk, liquidity and inflation protection

  • Evaluate duration, breakeven reinvestment rates, credit risk, callable securities and taxes to select fixed-income investments aligned with future cash needs

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