January 26, 2026 Investor Insights

Expensive Cars & Houses

January 26, 2026

Enjoy this week's "Investor Insights," a weekly newsletter that highlights the financial news you need and provides tips and tricks for making better investment decisions.

Mortgage rates above 6% now account for 21.2% of all active residential mortgages (highest since 2015), while mortgages below 3% have fallen to 20% — the first time since 2019 that higher-rate mortgages outnumber ultra-low-rate loans. 1
Since 1928, U.S. stocks have delivered about 10% annualized returns, outperforming gold, bonds, housing, and cash. Additionally, in four of the past five decades, stocks have produced above-average double-digit returns. *2
China surpassed Japan in 2023 as the world’s largest auto exporter, shipping 7.1 million vehicles last year, up from 5.9 million the prior year. Now, Chinese car company BYD has overtaken Tesla as the world’s biggest EV seller. 3
A record 20.3% of new car buyers who financed purchases committed to monthly payments over $1,000 in Q4 2025, while the average financed car payment reached an all-time high of $772. 1

Sources:

MFS – “Beyond the News”
A Wealth of Common Sense – “Historical Returns for Stocks, Bonds, Cash, Housing & Gold (2025)”
Wall Street Journal – “Chinese EVs Blow Past Tesla and Tariffs En Route to Global Reign”

*Past performance is not indicative of future performance

Disclosure: This information is furnished for the use of Glen Eagle Advisors, LLC, Glen Eagle Wealth, LLC, and their clients and/or contacts. It does not constitute the provision of investment advice to any person. It is not prepared with respect to the specific objectives, financial situation, or particular needs of any specific person. Investors reading this commentary should consult with their Glen Eagle representative/financial advisor regarding the appropriateness of investing in any securities or adapting any investment strategies discussed or recommended in this newsletter.

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