Respectfully, I think your fear is overblown. The fed rate does impact the 10 year Treasury yield and mortgage rates. Basically investors were trying to get ahead of the rate cut and some were making investments accounting for a 50 basis point rate cut. Once the 25 basis point rate cut was confirmed, yields and mortgage rates rose accordingly since there wasn’t an immediate possibility of the larger cut.
Tbh, I believe the Fed has long had a bias in keeping inflation low at the expense of job growth. I would welcome larger rate cuts and hopefully larger employment growth… unfortunately fiscal policy can only do so much and Congress/President need to be doing more to drive job growth. They’re only interested in enriching their friends, so I won’t hold my breath.
In times of high inflation, you want to hold equities or other investments that will appreciate with inflation… stay away from bonds.
I was responding to the idea that mortgage rates have decoupled from the Fed fund rate. The difference noted in the article is just noise… unfortunately so much reporting has a sprinkle of facts, but the goal isn’t to inform.