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April 27, 2018   
Warning: Safe havens aren't so safe               
The interplay between investments, personal finance decisions, interest rates, and cash are explained well with charts. Here's the most important chart right now in the world of finance:


It's a chart of the 2 year Treasury yield. From 0.613% on July 5, 2016 to an intra-day high yesterday of 2.50%, the yield on the 2 year Treasury bond rose over 300% in less than 2 years. That's a heck of a lot. And it changes the valuation metrics for the entire spectrum of investments and loans. It no longer suffices - not to me, anyway - that interest rates are still historically low. 10 years of ultra-low interest rates was long enough for investors to become accustomed to those low rates. It's catching a lot investors off guard. 

The chart above also reminds me of a phrase I used to conclude an article I recently wrote:

"I've seen this movie before. When interest rates rise, it's always the same group of conservative investors who were overreaching for yield who wind up getting burned"

The article isn't something like "Three stocks to send your portfolio to new heights" or anything like that. But it is educational. My hope is that it makes you a better investor. Since the time it was written, this past March 2 nd, it actually applies more to today. I send you there now:  
CNBC: Here's the most alarming market message: So-called safe havens aren't so safe

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OSJ Manager 


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