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Long-term interest rates are determined by a variety of factors, including inflation expectations, government monetary policy, and global economic conditions. Inflation expectations refer to the general level of prices that investors expect in the future, and can affect the rate at which they are willing to lend money. Government monetary policy, such as setting interest rates or buying bonds, can also affect long-term interest rates. Economic conditions such as GDP growth, unemployment, and international trade can also play a role in determining long-term interest rates.
The effects of interest rates are often not directly felt but play out over a long time as valuations of real-estate and other assets adjust.
At Horizon65, we created a mobile app that enabled you to check the effect of high interest rates on your savings and to simulate potential investments that can defend against it.