The chart for rates would reflect rates heading toward 5% as well after this pullback per Katie Stockton who did a piece on it the other day. We will know when we know and happy to take advantage if it goes there. Fine no matter where it goes either way. On the other side there are some who think investing in a bit more duration makes sense here, like going up from  4 or 8 week bills to 17 week to secure higher rates for example. Not a  long horizon, though makes the point. That is why I just ladder, don't have to guess and I get to participate either way in a substantial way. 

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