Rates, Dollar, and Nvidia Drop Sharply On November 25, 2025

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It was a strange day, for sure. The Treasury rate fell quite a bit, certainly more than I would have expected given the naming of a Treasury Secretary. Of course, the solid 2-yr auction results at 1 p.m. added to the decline in 10-year rates today.

Still, how much lower can the 10-year go when considering a real 3% growth rate, an assumed 2% inflation rate, and a 3% to 3.5% Fed’s fund rate? Unless the Treasury curve is going to remain flat or near flat forever. Because today, the 10-2 curve is inverted again. Most of my math seems to suggest a 5% nominal rate, on the 10-year at a minimum, and in a normal world, about 6%.

The dollar was down, but not nearly as much as the 10-year rates. The DXY only fell by 55 bps. There was very little to change for the dollar.

Inflation swaps were also down a lot today, with the 2-yr swap falling by ten bps to finish the day back at 2.6%.

Gold is down over 3% on the day.

Oil was down about 3%, too.

If you just look at these few things, it would seem to suggest the market suddenly decided that inflation would no longer be an issue and that the new Treasury Secretary was going to fix all that ails the US economy. While there is no doubting his credentials, I’m not sure that will likely be the case.

However, digging deeper, I see that today’s move looks more about positioning and perhaps the unwinding of those trades than anything else. What was particularly odd, I think, is the change in the term structure of the 10-year Treasury future. I’m not nearly as familiar with the implied volatility shifts in bonds as I am in stocks, and my view could be completely wrong. Still, implied volatility for higher bond prices (lower rates) collapsed today, while IV for lower prices (higher rates) jumped.

That might suggest that the move was partially due to short-covering. Perhaps some thought that Trump would pick somebody wild as Treasury Secretary, and those positions were covered with an actual good pick.

Anyway, gold has looked weak and probably didn’t need much of a reason to move lower. It is quite possible that gold just continues that move down that started last week and heads back to those lows around $2,500. If Bessent favors a strong dollar and retains the reserve status, there is no need for a dollar hedge.

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The same may very well be true for Bitcoin. We will know a lot of it falls that 10-day exponential moving average because if that happens, it may go to 88,000, or the 20-day moving average.

Today, Nvidia made a compelling case for breaking that rising wedge. The level to watch next probably comes at $130. If broken, it opens the floodgates to the gap at $118.

If that were to happen, it would probably drag the Nasdaq 100 down.

And probably the S&P 500…

I forgot the last point I wanted to make as my kids distracted me. It must not have been that important.

-Mike

Charts used with the permission of Bloomberg Finance L.P. This report contains independent commentary to be used for informational and educational purposes only. Michael Kramer is a member and investment adviser representative with Mott Capital Management. Mr. Kramer is not affiliated with this company and does not serve on the board of any related company that issued this stock. All opinions and analyses presented by Michael Kramer in this analysis or market report are solely Michael Kramer’s views. Readers should not treat any opinion, viewpoint, or prediction expressed by Michael Kramer as a specific solicitation or recommendation to buy or sell a particular security or follow a particular strategy. Michael Kramer’s analyses are based upon information and independent research that he considers reliable, but neither Michael Kramer nor Mott Capital Management guarantees its completeness or accuracy, and it should not be relied upon as such. Michael Kramer is not under any obligation to update or correct any information presented in his analyses. Mr. Kramer’s statements, guidance, and opinions are subject to change without notice. Past performance is not indicative of future results. Neither Michael Kramer nor Mott Capital Management guarantees any specific outcome or profit. You should be aware of the real risk of loss in following any strategy or investment commentary presented in this analysis. Strategies or investments discussed may fluctuate in price or value. Investments or strategies mentioned in this analysis may not be suitable for you. This material does not consider your particular investment objectives, financial situation, or needs and is not intended as a recommendation appropriate for you. You must make an independent decision regarding investments or strategies in this analysis. Upon request, the advisor will provide a list of all recommendations made during the past twelve months. Before acting on information in this analysis, you should consider whether it is suitable for your circumstances and strongly consider seeking advice from your own financial or investment adviser to determine the suitability of any investment. 

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