Higher Rates Bringing Higher Risk For Investors? | New Harbor Financial

WORRIED ABOUT THE MARKET? SCHEDULE YOUR FREE PORTFOLIO REVIEW with Thoughtful Money's endorsed financial advisors at www.thoughtfulmoney.com/ Both bond yields and interest rates remain on the rise. Does this mean higher risk for the markets? In today's video, we do an 'Ask Anything' live Q&A session with the team at New Harbor, answering the questions the audience cares most about. #interestrates #bonds #inflation 0:00 Welcome and Ask-Anything format 1:22 Are higher rates bringing higher risk for investors? 3:56 Long-term Treasury yield history (not as extreme as it feels) 8:17 Corporate maturity wall and the end of “bizarro” low rates 8:47 Why 5% yields in 2026 are not the same as 5% in 2007 10:34 Bond prices, duration, and New Harbor’s ~5-year bond sleeve 14:33 Net interest expense vs. government revenue 15:31 Normalization… or pressure that cracks markets and growth? 18:30 Housing already slowing (Florida, Austin, and beyond) 19:25 Can the economy handle a 6% 10-year? 21:21 Will higher mortgage rates finally drop home prices? 22:13 If markets crash, do ZIRP and QE come back? 24:08 Base-case path: stock top, Fed eases, 10-year toward 3% 24:32 Tactical case for high-quality bonds (next 1–2 years, not 20) 25:18 Housing correction of 20–30% even if rates later fall 27:02 Strong GDP Now print vs. rate stress 28:11 Not in the bunker: ~50% equities, hedges, and when they’d cut risk 30:41 Narrowing market breadth and equal-weight lag 33:37 Do the midterms explain the softness? 34:53 Is this just late-cycle inflation and a weaker dollar? 36:41 Dollar as reserve currency and the “milkshake” squeeze 40:24 Official CPI vs. your personal inflation rate 42:00 Next regime: slow-burn inflation and real assets 45:13 What 5-year breakevens are actually pricing 47:08 Refining capacity, energy boom-bust cycles, and oil backwardation 52:31 Gold and silver technicals: when is it “cleared for takeoff”? _____________________________________________ Thoughtful Money LLC is a Registered Investment Advisor Promoter. We produce educational content geared for the individual investor. It’s important to note that this content is NOT investment advice, individual or otherwise, nor should be construed as such. We recommend that most investors, especially if inexperienced, should consider benefiting from the direction and guidance of a qualified financial advisor registered with the U.S. Securities and Exchange Commission (SEC) or state securities regulators who can develop & implement a personalized financial plan based on a customer’s unique goals, needs & risk tolerance. All the details on Thoughtful Money's relationship with the financial advisors it endorses, many of whom regularly appear on this program, can be found in the following documents. We highly recommend you review these documents as they cover the terms that will apply should you choose to work with one of these firms at any time after watching this video. Thoughtful Money Disclosure Document: thoughtfulmoney.com/disclosure Thoughtful Money Agreement: thoughtfulmoney.com/agreement IMPORTANT NOTE: There are risks associated with investing in securities. Investing in stocks, bonds, exchange traded funds, mutual funds, money market funds, and other types of securities involve risk of loss. Loss of principal is possible. Some high risk investments may use leverage, which will accentuate gains & losses. Foreign investing involves special risks, including a greater volatility and political, economic and currency risks and differences in accounting methods. A security’s or a firm’s past investment performance is not a guarantee or predictor of future investment performance. Thoughtful Money and the Thoughtful Money logo are trademarks of Thoughtful Money LLC. Copyright © 2026 Thoughtful Money LLC. All rights reserved.