Buying 30-year bonds? Locking in today’s rates could hurt your retirement planning.

The 30-year U.S. Treasury bond yield was trading at levels not seen in approximately two decades as of early 2026. Financial advisors noted that investors locking in long-term bond rates at current levels faced the risk of opportunity cost if interest rates declined in future years. The bond market's behavior during this period differed from patterns observed over the previous 20 years.

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