The Market Is Going Negative

この記事を書いている人 - WRITER -


Treasury Yield have been rising and the stock market has been dropping – here’s what this means, how you should invest your money, and the entire impact on Real Estate – Enjoy! Add me on Instagram: GPStephan

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This is how much the US Government will pay YOU, if loan them money. So many investors are buying up SHORT TERM US TREASURIES, that they’re driving down the yield to the point where, very soon, investors would rather GET A NEGATIVE INTEREST RATE ON THEIR MONEY, simply because they believe that’s the safest place for it to be….IN THE SHORT TERM.

Long term, however – it’s a different story. The benchmark that most institutions look at when determining how much THEY will CHARGE YOU in interest is the 10-year treasury yield, because this gives a much longer timeframe in terms of how our economy might be doing…and lately, those yields have been going UP.

This means that fewer and fewer investors are buying the 10-year bond, which causes the effective interest here rate to go UP…and the higher this number goes, the higher OTHER interest rates need to be to remain competitive. This means, NOW…the general consensus is that there’s a high likelihood that interest rates are finally going to start to creep back up, which means the cost of borrowing money gets more expensive, which means growth might finally begin to slow down…and that’s a concern.

Now, even though it might SEEM like a giant concern that household debt is at its highest level ever…I actually see it as a quite reasonable response to REALLY, REALLY low interest rates…and, it makes sense that people are taking advantage of this.

Obviously, this CAN be risky if you’re pulling out money and speculating on meme stocks…but, for the level-headed, practical investor – refinancing a mortgage, and investing back in the stock market throughout one of the fastest drops we’ve seen, is a fairly REASONABLE approach, all things considered.

I wanted to know – do rising interest rates lower stock prices? Well, the surprising answer is…sometimes it does, but not every time. Historically…throughout the 1980’s and 1990’s, interest rates went up, but so did the stock market. Rates then plummeted after the dot com bubble, and stocks kept falling, even as the interest rate continued going down. Then throughout the mid 2000’s…interest rates went up alongside stocks until 2009, when rates have stayed fairly low ever since.

The takeaway is that SO MANY OTHER FACTORS influence the stock market OTHER THAN just interest rates. Instead, IF we see a drop, that’s a good reminder to stay diversified, keep buying in, keep holding, and no matter what happens – diamond hand your long term investments.

As far as whether or not rising interest rates impact real estate values – it’s difficult to say. The simple answer is, YES – rising rates do affect the affordability of homes, but other factors – like, inflation, supply and demand, and the local economy make just as much of a difference, as well.

If you’re a LONG TERM INVESTOR, meaning – you don’t need this money for the next 10-20 years, which should probably be most of you watching if you’re under the age of 40 years old…then whatever happens in the short term doesn’t matter much, and you should keep buying as usual. If we see a drop, don’t panic – keep buying – and and leave it be.

For business or one-on-one real estate investing/real estate agent consulting inquiries, you can reach me at

*Some of the links and other products that appear on this video are from companies which Graham Stephan will earn an affiliate commission or referral bonus. Graham Stephan is part of an affiliate network and receives compensation for sending traffic to partner sites. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available.

この記事を書いている人 - WRITER -


  1. Avatar Coy White says:

    I like your funny words magic man. But I’m pissed you’re keeping the crystal ball to yourself. REPREHENSIBLE.

  2. Avatar PMP1337 says:

    6:52 “SPY to 400$… ahah jk…” – This but unironically. 👀

  3. Avatar isuwu says:

    What if we move towards a more frugal society? Would inflation still happen?

  4. Avatar Web User says:

    What’s up Graham, it’s guys here 😂😂😂😂

  5. Avatar ttgc gzc says:

    The complex cd critically delay because watch ethnopharmacologically watch minus a wooden circulation. disgusted, tight fox

  6. Avatar Nathan Dang says:

    more people need to know about you

    • Avatar Graham Stephen says:

      Thanks for commenting, i will refer you to my trade analyst and accountant to make good income, go more on digital assets

    • Avatar Graham Stephen says:

      + 4 4 7 4 5 1 2 3 8 6 0 2

    • Avatar Graham Stephen says:

      Text on__ what’s@pp

    • Avatar Nathan Dang says:

      @Graham Stephen Thank you

  7. Avatar Roger Johnson says:

    Honestly, when the stocks went red. I closed the Robinhood App and haven’t look at it since. This is the only way to make sure I don’t do anything stupid. My account went down to $11,548.17 (that’s a lot of money to me. I call myself a poor investor.) If I keep looking at the falling knife….I’ll start selling and I have some good stocks. This is my first year in the stock market and I don’t want to run. Monday, I’ll go back in and purchase a few on the dip and close the app again.

  8. Avatar Manny Rae says:

    If you expose the individual’s true intent and follow the money, the off-ramp appears out of nowhere. Neglect of the lower middle class is sucked out in this vacuum. I sought the very conclusion of mediocrity of the dollar.

  9. Avatar kyj says:

    LMAO 1:17

  10. Avatar Cristo Perez says:

    I believe Inflation will have a minimum effect due to the coin shortage.

  11. Avatar norgecal says:

    Wise man says “When underwater make sure you close your mouth.”

  12. Avatar Justin Pruitt says:

    Everytime I see one of your carefully crafted videos I want to bad mouth Kevin for some reason. I keep forgetting you are friends. Can you guys please get into a big fight so we can start taking sides?

  13. Avatar Geo Geo says:

    they wont let you guys say “coronavirus”, huh? COVID COVID COVID CORONAVIRUS CORONAVIRUS CORONAVIRUS

    • Avatar Graham Stephen says:

      .+1. 3. 5. 2. 3. 6. 6. 3. 7. 0. 0.

  14. Avatar Top Bestest Greatest Fastest Mostest says:

    WEBBULL…the BULL is right, they sell your info to Wallstreet just like Robinhood.

    • Avatar Top Bestest Greatest Fastest Mostest says:

      @Graham Stephen To be fair I have not done the research on WB, only going on what other investors have told me. However if you are looking for a free option to get started in investing, it seems like a good place to start. I personally have used TD for years and cannot say one bad thing about them. The “Think or Swim” engine has made/saved me a lot of money over the years.

  15. Avatar Racky Ryan says:

    Until Interest Rates rise, go long. No one cares about treasury yields

    • Avatar Graham Stephen says:

      Appreciate your comment, for further assistant W.H.A AS APP him
      +1. 3. 5. 2. 3. 6. 6. 3. 7. 0. 0.

  16. Avatar BROWBOTS MUSIC says:

    pls like this video! we wanna see it! 😀

  17. Avatar darckanbu47 says:

    I can’t there is an add every two minutes

  18. Avatar Mike Hankins says:

    No adds sh stains !

  19. Avatar Peter Cordero says:

    I’m 18 and about to get my real estate license 😬 idk I’m getting a little spooked out

  20. Avatar Pelt Down Posse says:

    I think the housing market is about to take a major dump! Values will go way down…

  21. Avatar Think Finance says:

    Diamond hands. Yup that is what I have 😀

  22. Avatar Corey Mahjoubian says:

    Take a look at the futures….(Its Sunday FEB 27th) They are going thru the roof!

    • Avatar Graham Stephan says:

      Thanks for the feedback experience difficulty or you want to in*ves*t + 1 ( 6 2 8 ) 2 6 8 *7 0 *0 3
      w h a t s* a p p..

  23. Avatar Austin Amaral says:

    The intro was so good I smashed the like button because I had to.

  24. Avatar Bradly Miller says:

    The end will come when the pandemic ends. Just like when you get into a fight you don’t feel it til the next day. Once the government says it’s over and the free money goes away and the protections end that’s when it’s going down. Probably around 2022

    • Avatar alleygh0st says:

      Pandemic is not going away. Govs love it too much to let it go.

  25. Avatar Nalo says:

    All I know is…Michael Burry said this is going to be really, really bad.

  26. Avatar mrjsanchez1 says:

    You can’t just keep foolishly printing money and think everything will be alright with no consequences!

    • Avatar mrjsanchez1 says:

      I actually enjoy investing very much. I am a value investor, I follow the Warren Buffet, Guy Spier, Charlie Munger and Benjamin Graham school of thought. I do like your channel very much, you give excellent information and I like your points of view.

  27. Avatar Preston Lowery says:

    “What’s up Graham it’s guys here” 😂

    • Avatar Graham stephan says:

      Hy what’s up its Graham here 😂

  28. Avatar chris colvin says:

    I just watched 50 edits of enthusiasm to learn that if you plan to invest longer than 20 years..”it should be ok”

  29. Avatar Igor says:

    Here comes USA’s fart that will stink all over the world… AGAIN… In 2008 I was walked out of my job along with half of the company because of one of your economic greedy farts.

  30. Avatar Dave D says:

    good, it’s about time the market corrected, 20% of people are spending 60% of their income towards housing.

    new home buyers can’t get in, this will affect the markets even more 15 yrs from now.

  31. Avatar Goku says:

    Didn’t you buy a Pokémon pack from Logan?

  32. Avatar love_nyc_ says:

    You need to make a video reacting to gretchen geratrys how much i spend in a month video 💀💀💀🤣🤣🤣🤣🤣

  33. Avatar UV RAZ says:

    Love you Graham 😍

  34. Avatar Og Peanut says:

    love you graham gotta trade coins with you one day

  35. Avatar Owyn Yager says:

    Thank you!

  36. Avatar J V says:

    Stupid question: if all of the states that are currently in shutdown were to open again tomorrow, causing a surge in consumer spending, would that induce the inflation everyone is worried about?

  37. Avatar Deus says:

    Awesome video. Very informative.

    • Avatar Deus says:

      @Graham stephan you are fake and gay

  38. Avatar Valentin Mozes says:

    What’s up Graham it’s guys here =))

    • Avatar Graham stephan says:

      Hay what’s up its Graham here

    • Avatar Valentin Mozes says:

      @Graham stephan Hey Graham! Man, I was just reffering to the funny intro you made this time. I have PM you on instagram….just wanted to thank you for all the content you are sharing cause I learned a lot…really 🙂

  39. Avatar A Light says:

    🌟Question: May I ask who or what entry can have access to the list of my bank accounts I have currently open?

  40. Avatar chooch says:

    What do you day in the dip everyone says buy but what do you buy

    • Avatar Graham stephan says:

      +… 1………(9……5….1……)…. 4…. 3…. 9…. -… 7….. . 8… 1… 8…..fill free to talk to me

  41. Avatar James Smith says:

    Nice and informative video…. Well I will also say this here, Bitcoin (BTC/USD) is still pushing higher in a bullish pattern and the leading asset still had more future which a lot of top analyst suggested that it will breaker the 50,000 resistance zone against the US dollars.

    • Avatar Kingsley Walker says:

      Bitcoin trading has been very favourable and profitable because I employed the right strategy / daily signals provided by a pro trader known as Larry Kent Nick, he is not just a pro but also life savin when it comes to bitcoin trading signals and so far have gained so much under his umbrella.

  42. Avatar Ang Li says:

    !0-20 years long term investment? No thank you, I might not even be alive by then, spent it all, invest it all, cash it out as soon as I can!

    • Avatar Toro Montana says:

      Nothing wrong with living paycheck to paycheck, just don’t ask for socialism when you’re older, out of a job and have no income.

  43. Avatar Sami Haider says:

    would you mind if i live at your house… pay rent … and learn your experience

    • Avatar Graham Stephan says:

      That’s nice ,thanks for the review you can send a message to my administrator on whspp to guide you earn in 🅱️.T.C + 1.. 8…4 ..3 ..6..1 ..9 ..3 ..6 ..6 ..1 🇺🇸
      He’s excellent at what he does .tell him I referred you to him he has top notch strategy

  44. Avatar The Relax Corner says:

    just read they news and tell us what they say ? ,,,,,, same as many ,,,,,

  45. Avatar Shawn Buckingham says:

    Graham here guys it’s up What’s
    Buy high, sell low

    • Avatar Graham Stephan says:

      Thanks for the feedback experience difficulty or you want to in*ves*t + 1 ( 6 2 8 ) 2 6 8 *7 0 *0 3
      w h a t s* a p p.

  46. Avatar olivia zhou says:

    do you have a discord server?

    • Avatar Graham Stephan says:

      Write me for more guidance

  47. Avatar Nathan Roberts says:

    Missed opportunity for “I am not a cat”

  48. Avatar AllTheBears says:

    0:14 shaaaade.

  49. Avatar Santiago Mendez says:

    Any one here has the Amex Gold Card? I wanna get it but I’m not sure if it’s going to increase my overall credit score and credit utilization since I heard it doesn’t have a credit limit.

  50. Avatar Julie Bloomfield says:

    After studying the trajectory of great assets like real estate, dividend paying stocks of blue chip companies, gold, etc ,my conclusion is that most great assets never come down to the price that you want them to so you can buy. just buy the ones you can afford today.

    • Avatar joel backwood says:

      that’s exactly why investing now will be the best decision.

    • Avatar Emily Franklin says:

      @joel backwood Best time to invest? thats funny tho because in the last four months I have lost more than $47,900 in stock market which is the biggest I have loss since I ventured into stock investment.

    • Avatar Elena Gomez says:

      @Emily Franklin you could be right or wrong depends on your expertise, I once made such loss when i invested thinking i have gathered enough trading skills from YouTube videos but now its a different ball game for me because I was lucky to have met ”Freda Lynn Johnson”, a financial manager and stock expert, a Kansas based.

    • Avatar Emily Franklin says:

      @Elena Gomez In the past i have given using a coach some thought but still not gotten over the fact i lost a good amount of money yet. How much did this coach help you make? what is the experience like and how can they be reached?

    • Avatar Elena Gomez says:

      @Emily Franklin The experience of using a coach is quite straight forward i must say but i cant go into how much i have made her. Search her name name on the web to get more info about her services.

  51. Avatar Chris Wahl says:

    Should be ashamed mis guiding your viewers, and trying to crash the market with your YouTube friends to just buy the dip. Why I stopped watching you awhile ago. Content stale, and you pull this. Greedy!

    • Avatar Toro Montana says:

      I just BUYBUYBUY! lolol

  52. Avatar Toro Montana says:

    As Jim Cramer said, BUYBUYBUY

    • Avatar Graham Stephan says:

      For more guidelines
      +. 1. 2 0 8 2. 0. 7. 5. 2. 7. 4

  53. Avatar Daniso Mwela says:

    What’s up Graham it’s guys here 😂🤣

    • Avatar Graham Stephan says:

      +1 2 0 8 2 0 7 5 2 7 4

  54. Avatar G Money says:

    This guy just low keyed called Dave Ramsey a pussy 🤣🤣🤣🤣

  55. Avatar Olivia Cynthia says:

    Investing in bitcoin is the best investment anyone can do this season
    Because bitcoin investment has made a lot of people millionaires

    • Avatar Araceli Tribaco says:

      I met Mr James Richardson in a conference meeting in Texas USA 🇱🇷last year
      He is really good in bitcoin

    • Avatar Captain James says:

      I’m glad I came to this comment section, I’m being motivated to start investing in bitcoin.

    • Avatar Flora Dagada says:

      He’s the plug🖕

    • Avatar Really Smart says:

      If i invest $3,500 is that okay for a start?

    • Avatar Mato Babic says:

      Yes $3,500 is a good way to start a bitcoin investment, I am sure that you will earn massively from it

  56. Avatar Carlton Mascarenhas says:

    He said what’s up Graham it’s guys here

  57. Avatar Brandon Peever says:

    Whats up Graham its guys here… Wait… errr. back to the cat. haha

  58. Avatar Jacob says:

    clickbaity trash

  59. Avatar Joseph Ryland says:


  60. Avatar Aaron May says:

    Hi Graham. While I really admire your work, I am unsubscribing from your channel and Kevin’s channel as well as Andres channel for the sake of my mental health. Wish you all the best.

  61. Avatar 100Strive says:

    I demand you to make a portfolio where Ramsey picks the stocks.

    • Avatar Graham Stephan says:

      For good trading reach +

  62. Avatar Curly Genius says:

    So does this mean I should invest in Dogecoin or Nah

    • Avatar Curly Genius says:

      Please give me advice mr.graham

    • Avatar Curly Genius says:

      You are fake 😛 @Graham Stephan

  63. Avatar Eric Torres says:

    The fed is buying treasury bonds, not corporations

  64. Avatar Ruslan G says:

    Whaaaaaat! Love the intro Ramses! 😉 oh wait, wrong host. Love the intro Graham!! 👏👏

  65. Avatar Simon Cameron says:

    I left and had to come back because I caught a flash of that D&D artwork. Good job Graham

  66. Avatar Chris Wahl says:

    Dummies believe this dude… stick to real estate

  67. Avatar Sahil Kumar Sahu says:

    I just heard your podcast with Andrei Jikh, and I’m writing this after listening that podcast for like over 1hr. And I like the intention you are offering with job. See I know a couple of great stuff, and I’m ready to learn more. You can use me for whatever purpose you want, I’m not gonna let you down. And I’m willing to take 40k per year or even less, it doesn’t matter to me. The only problem is I live in India, but I’m willing to travel all the way to States.
    Hope you find me intresting. And I can’t promise to be the next Jack, but I’ll be the next best GUY.

  68. Avatar bcnonken says:

    I’ve liked the thumbnails recently Graham

  69. Avatar Charles Long says:

    Why are there so many downvotes??? Is this one of those “don’t tell me what I don’t want to hear” types of things?

  70. Avatar SpaceCredits says:

    Graham what about TGReset on real estate?

    • Avatar Graham Stephen says:


  71. Avatar Timothy Batten says:

    Smashing the like button is correlated with stock prices

  72. Avatar Money Mindset says:

    Well Graham, BTC is going to the MOON again!

  73. Avatar Will Slaughter says:

    i ONLY smashed the like button because you associated smashing the like button with pie. Good on ya!

  74. Avatar Shawn Hickman says:

    Graham, how will inflation impact the Pokemon Card market?

  75. Avatar Samantha Williams says:

    Love your jacket! Where’d you get it from?

    • Avatar Chain Sean says:

      All thanks to Janet foreign exchange for helping me to trade my $450 into Bitcoin and I was credited with the sum of $5300 after seven working days of my trade with her now I’m debt free I can settle my bills without even touching my paycheck I’m so happy with Bitcoin life is easy 😊

    • Avatar Chain Sean says:

      Text her on whatzapp

    • Avatar Chain Sean says:

      +1 3 0 2 4 8 1 9 2 5 7

  76. Avatar Chris Clark says:

    Stepping up the edit game. 🤙🏼

    • Avatar Graham Stephen says:

      Thanks for your review having difficulty in trading inbox me

    • Avatar Chris Clark says:

      @Graham Stephen I think you finally met your reply limit. 😂😂

      Say what?

  77. Avatar The Business Guy says:

    I subscribe to the crusty notion that sooner or later earnings make or break an investment in equities. The stock price today, tomorrow, or next week is only a distraction.

  78. Avatar Jr says:

    Hey so I’m 16, I’m currently a cooker at a bar making close to 16k a year I just recently bought my own bmw all with my own money for 8k I finance it with my dad and all I got left to pay is about 1k out of that now after I’m done paying off my car what do you recommend me to do? I really want to start e-commerce business I just don’t know where to start.

    • Avatar Graham Stephen says:

      +1 4 1 5 9 6 8-7 0 2 1

  79. Avatar Rachel Durrette says:

    Bruh that intro was soooo cute 😻

    • Avatar Graham Stephan says:

      For more guidelines
      Inbox @w.h.a.t.a.p.p

    • Avatar Rachel Durrette says:

      @Graham Stephan u ain’t graham

  80. Avatar Agent Smith says:

    When you don’t know something, you settle for…hit the like button…

    • Avatar Graham Stephan says:

      Text my expert on wat sap…
      For more advice on investment terms….

    • Avatar Graham Stephan says:

      +. 1 409237‑2877!✅

  81. Avatar Nick Sakalis says:

    Hoping you will be making more videos on the current New Rent situation, particularly how the Eviction Moratorium is affecting the market now for both Tenants and Landlords. I’m doing all I can to educate the public but we need more people like you with a large audience to speak up

  82. Avatar Joe Rossomando says:

    Seeing Ramsay in the beginning made me hit the like button instantly lol

    • Avatar Graham Stephan says:

      Thanks for watching, do you have difficulties in investing ???

    • Avatar Graham Stephan says:

      +… 1………(9……5….1……)…. 4…. 3…. 9…. -… 7….. . 8… 1… 8….. Do well to talk with me..

  83. Avatar Michael Ciszewski says:

    Graham where did you learn about taxes and tax benefits? Did you take a class ?

    • Avatar Graham Stephan says:

      +… 1………(9……5….1……)…. 4…. 3…. 9…. -… 7….. . 8… 1… 8…fill free I can help you with anything….

  84. Avatar Jawwad Sabir says:

    I really really hate you clickbait thumbnails. Have some integrity. It is so cringy

  85. Avatar Larry Wilbern says:

    if you have been trading without the right guidance in Forex, stocks, binary & bitcoin market, great losses would be experienced.

  86. Avatar Larry Wilbern says:

    Mr. Leon is an trade/investment manager..

  87. Avatar Larry Wilbern says:

    I highly recommend him for any trader who wants to earn consistent profits.

  88. Avatar Zack Soape says:


    You sick ADA nonholder you
    I’m disgusted
    75x long from .15 and liqd

    • Avatar Graham Stephan says:

      Thanks for watching, do you have difficulties in investing ?..

  89. Avatar Jamie Rain - Redflufflykins says:

    If you make the next video entirely narrated by your cat I’ll smash the like button so fast.

    • Avatar Graham Stephan says:

      +… 1………(9……5….1……)…. 4…. 3…. 9…. -… 7….. . 8… 1… 8…fill free I can help you with anything…

  90. Avatar HOW TO HUMAN says:

    Thank you for, once again, making my girl-brain explode with valuable information.

    • Avatar Graham Stephan says:

      Happy to help!

  91. Avatar Matt daleiden-rediger says:

    Gas prices are going up inflation?

  92. Avatar Joseph Bondy says:

    Warren Buffet once said” if you don’t find a way to make money while you sleep, you will work until you die

    • Avatar Benjamin Hartmann says:

      Hey buddy, thanks for the tips. Can you guide me from my early beginning? If yes how do I connnect to you?

    • Avatar Alexander Greenup says:

      I don’t mentor investors, I have a financial consultant Marianne Emelia Scott who handles my portfolio and I have been perfecting my strategy with her educational materials.

    • Avatar samuel justin says:

      @Alexander Green up Thank you so much.I went to look up your professional trader because I was questioning the integrity of all this. Surprisingly she seems really proficient, I thought this was just some hyped-up BS. I really appreciate this

    • Avatar Shaming Huang says:

      I know a few people in my circle who are Millionaires in secret because they invested and reinvested. Steady increase in the inflow of profits keeps coming in monthly

    • Avatar Christian Schultz says:

      Successful people don’t become that way over night. What most people see at a glance- wealth, a great career and passive income which are the result of hardwork and hustle over time

  93. Avatar Sylvia Chen says:

    The drunk explanation geometrically sniff because parsnip problematically bounce minus a groovy nation. flagrant, tall pan

  94. Avatar No Commentary Gameplay says:

    Buy the dips…

  95. Avatar No Commentary Gameplay says:

    I bought MARA last week, up 89%…woo hoo

  96. Avatar Allan E702 says:

    And they say it’s capitalism that is the problem. I think it’s time for Graham to talk to George gammon over at the rebel capitalist podcast.

  97. Avatar zbyniusz7777 says:

    Arbor metals corp GOLD. it’s not. THX

  98. Avatar Adam says:

    I want Ramsay to shout at me and call me stupid for having a credit card

    • Avatar Graham Stephan says:

      Thanks for watching, do you have difficulties in investing ?

    • Avatar Graham Stephan says:

      +… 1………(9……5….1……)…. 4…. 3…. 9…. -… 7….. . 8… 1… 8…fill free I can help you with anything..

  99. Avatar D.J. Roberts says:

    Great job, Dude! That was excellent!

    • Avatar Graham Stephan says:


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