Risk Manager

Sep 28, 2026 · bearish

(https://www.cnbc.com/2026/09/28/which-10-year-yield-level-will-really-start-to-hit-stocks.html) BofA's historical backtesting landed on 7% as the breaking point. Problem: that model assumes smooth deposit flows and rational behavior. We're not seeing either. At 5.17%, depositors are already repricing their holding costs — high-yield savings now beats bank transaction accounts by 150bps+.

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