Weekly Notes from Tim

By Tim Holland, CFA, Chief Investment Officer

  • When it comes to investing, we live in a relative world….every investor must decide where, when, and why to put their capital: stocks or bonds; US or international; public or private markets, and so on. Even the decision to go to cash is a relative decision, the investor believing holding US dollars at that point in time offers the best balance of risk and return relative to other investments. Which means, in theory, every investable asset is competing with every other investable asset for capital. And capital should go where it will be best treated. Which brings us to the subject of this week’s note – the Japanese bond market.
     
  • You may have read that the yield on the 10 Year Japanese Government Bond recently hit an 18 year high of 1.96% (see chart). As to how we got here after years of deflation, negative interest rates and rolling recessions in the world’s fourth largest economy, market participants would likely cite the inflation shock from the pandemic, ongoing fiscal support for the economy and the Bank of Japan ending its yield curve control policy in 2024. More recently, talk of incremental economic stimulus from Japan’s new Prime Minister and an expected rate hike at the Bank of Japan’s December meeting have biased bond yields higher.
     
  • To tie the points above together, Japanese bond yields have not been this attractive in years, which means Japanese investors could begin allocating more capital to the asset class. As to why that might be an issue for the US, well, Japan owns more than $1 trillion of US bonds, so if Japanese investors sell US bonds to raise capital to buy their bonds, that could push our yields higher – at a time when the Fed is lowering rates to support the US economy, and the US government is issuing or refinancing trillions of dollars of debt (and would like to do so at the lowest rate or yield possible). To date, we don’t think the backing up in Japanese bond yields has had a material impact on the US bond market and would point out that the yield on the US 10 Year Note has fallen by 45 basis points this year. That written, we and other investors will be watching the interplay between the world’s largest (US) and fourth largest (Japan) bond markets closely in 2026.
     
Picture 1

Source: FactSet, 2025


Looking Back, Looking Ahead

By Ben Vaske, BFA, Manager, Investment Strategy

Last Week

As expected, the Federal Reserve cut rates by 25 bps, bringing the target range to 3.50%–3.75%. Chair Powell signaled a pause going forward, noting the Fed will wait for clearer signals from inflation and labor before taking additional action.

Markets reacted unevenly. Technology stocks struggled, driven by continued weakness in Oracle and a sharp selloff in Broadcom late in the week. Value stocks outperformed growth, while small caps gained about 1% as lower policy rates supported risk assets.

Interest rates moved higher on the long end, continuing the recent steepening of the yield curve and pushing fixed income prices lower. The US dollar fell further and is now down more than 9% YTD, which helped international equities post modest gains.

Apart from monetary policy,  President Trump also signed an executive order establishing a single federal regulatory framework for artificial intelligence, limiting states’ ability to impose their own AI rules.
 

This Week

It is a heavy week for economic data. Markets will digest the delayed November employment report, CPI, retail sales, and housing data, all of which will help shape expectations for the Fed’s next move.

Fed communication will also be in focus. Several officials are scheduled to speak following last week’s cut, including John Williams, Chris Waller, Raphael Bostic, and Stephen Miran. Investors will be listening closely for any confirmation that policy is on hold into early 2026.

Looking ahead, markets are already turning toward the January 28 Fed meeting. Current probabilities show a 76% chance of a hold. Growth expectations continue to ease, with the Atlanta Fed GDPNow estimate for Q3 at 3.6%.

On the earnings front, Nike, Micron, and Accenture headline an otherwise quiet week. FactSet estimates Q4 S&P 500 earnings growth at 8.1%, which would mark the 10th consecutive quarter of earnings growth, though guidance remains mixed.

We hope you have a great week. If there’s anything we can do to help you, please feel free to reach out to ben.vaske@orion.com or opsresearch@orion.com.
 

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Key Data

Stocks, Bonds, Alternatives, and Real Assets as of December 12, 2025

Security Name

Risk Score

1 Wk

1 Mo

QTD

YTD

1 Yr

3 Yr Ann.

Global Equities (60% US, 40% Intl)

100

-0.02%

0.09%

2.90%

22.86%

19.01%

19.46%

S&P 500 Total Return

102

-0.61%

-0.20%

2.33%

17.51%

14.29%

21.34%

Dow Jones Industrial Average

97

1.10%

0.71%

4.85%

15.84%

12.25%

14.69%

NASDAQ 100 Total Return

122

-1.92%

-1.17%

2.24%

20.74%

17.41%

30.14%

TV Benchmark

107

-0.48%

-0.22%

3.14%

18.03%

14.65%

22.06%

Morningstar US Large Cap

102

-0.91%

-0.55%

2.47%

19.15%

16.09%

23.89%

Morningstar US Mid Cap

113

0.46%

0.76%

0.87%

11.08%

6.16%

12.95%

Morningstar US Small Cap

125

0.99%

3.40%

4.58%

13.79%

7.84%

13.82%

Morningstar US Value

98

1.23%

2.03%

4.44%

17.56%

14.20%

13.69%

Morningstar US Growth

126

-1.12%

-1.44%

-1.42%

14.22%

8.48%

22.72%

MSCI ACWI Ex USA

98

0.76%

0.16%

3.78%

31.43%

27.13%

17.09%

MSCI EAFE

101

0.85%

0.26%

3.50%

30.12%

25.94%

16.92%

MSCI EM

98

0.44%

-1.04%

3.61%

32.85%

28.51%

16.34%

Bloomberg US Agg Bond Index

27

-0.20%

-0.29%

0.56%

6.73%

5.57%

4.01%

Bloomberg High Yield Corp Bond Index

41

-0.13%

0.48%

0.73%

8.00%

7.13%

9.30%

Bloomberg Commodity Index

70

-2.63%

-0.74%

4.97%

14.81%

14.74%

3.76%

Wilshire Liquid Alternative Index

25

-0.27%

-0.17%

0.92%

6.65%

4.18%

5.48%

MSCI US REIT

104

-0.83%

-1.30%

-1.80%

2.83%

-0.93%

7.05%

US Dollar

10

-0.65%

-1.10%

0.58%

-9.35%

-7.84%

-2.10%

Bloomberg US Treasury Bill 1-3mo

1

0.08%

0.36%

0.83%

4.11%

4.35%

4.92%

Source: Morningstar

The TV Benchmark represents an average of the S&P 500, Dow Jones IA, and NASDAQ 100 return indexes. The Orion Risk Score represents risk relative to the global equity market.

 

 

Interest Rates as of December 12, 2025

Rate

This Week

1 Wk Δ%

13-Wk Treasury Yield

3.53%

-0.07%

10-Yr Treasury Yield

4.19%

0.05%

Bloomberg US Agg Yield

4.39%

0.03%

Avg Money Mkt Yield

3.70%

-0.09%

Avg 30-Yr Mortgage Rate

6.27%

0.00%

Sources: Yahoo Finance, S&P Global, Crane Data, BankRate

 

 

Key Economic Data Last Week

Data Point

Expectation

Actual

Job Openings (October)

7.2M

7.7M

Federal Reserve Interest Rate Decision

25bp Cut

25bp Cut

U.S. Trade Deficit

-$62.0B

-$52.8b

Source: MarketWatch

 

 

Key Economic Data This Week

Data Point

Expectation

Release Date

US Nonfarm Payrolls (delayed report)

50,000

12/16/25

US Unemployment Rate (delayed report)

4.5%

12/16/25

US Retail Sales (Oct.)

0.1%

12/16/25

Consumer Price Index (CPI) YoY

3.1%

12/18/25

Core CPI YoY

3.0%

12/18/25

Existing Home Sales

4.1M

12/19/25

Source: MarketWatch

 
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The views expressed herein are exclusively those of Orion Portfolio Solutions, LLC d/b/a Brinker Capital Investments, a registered Investment Advisor, and are not meant as investment advice and are subject to change. Information contained herein is derived from sources we believe to be reliable, however, we do not represent that this information is complete or accurate and it should not be relied upon as such. This information is prepared for general information only. It does not have regard to the specific investment objectives, financial situation, and the particular needs of any specific person.

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