TOPIC • 4 CLAIMS

Interest Rates

The rate environment as the input that reprices every other asset.

  1. HOWARD MARKS/

    The four-decade tailwind that made leveraged strategies work has not merely stopped but reversed.

    • a 40-year, 2,000-basis-point decline in rates from 1980 to 2020, 22¼% to 2¼%
    • fed funds went from zero to 5¼-5½% starting in 2022
    WHAT'S GOING ON IN PRIVATE CREDIT?
  2. HOWARD MARKS/

    He quantifies the tailwind that the prior four decades handed to anyone holding equities.

    • S&P 500 rose from 102 in August 1982 to 4,796 at the start of 2022
    • a compound annual return of 10.3%
    SEA CHANGE
  3. HOWARD MARKS/

    He uses a single borrower’s rate across his career to make the rate regime concrete rather than abstract.

    • 22.25% in December 1980 falling to 2.25% fixed for 10 years — a 2,000-basis-point decline
    SEA CHANGE
  4. HOWARD MARKS/

    He isolates globalization as a disinflationary force that had begun to reverse.

    • globalization reduced inflation by about 0.6% per year from 1995 to 2020
    SEA CHANGE

Claims are restated; figures are the authors' own. Each links to the document it came from, which in turn links to the original in full.