January 26, 2026 Market Moment

Market Moment

Glen Eagle®: America’s Women-Owned Trading Desk®

1/26/2026

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

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

Client Focused Trading® for large institutions, pensions, hedge funds, wealthy families, and private equity for over 30 years.

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This desk commentary is for informational purposes only

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