Buy Mortgage Backed Securities -

: Conversely, when rates rise, homeowners stop refinancing, which can lock investors into lower-yielding securities for longer than anticipated.

Mortgage-backed securities (MBS) are fixed-income investments formed by pooling home loans and selling shares of that pool to investors. When homeowners make monthly mortgage payments, both the interest and principal are passed through to the MBS holder. For individual investors in 2026, the market offers a way to earn passive monthly income with generally higher yields than U.S. Treasuries, though with unique risks like prepayment. Core Investment Benefits buy mortgage backed securities

: Issued by private financial institutions. They carry higher credit risk but potentially offer higher yields. : Conversely, when rates rise, homeowners stop refinancing,