Lower interest rates change the rules of the game for savers and investors, rewarding those who move early and punishing portfolios that stay stuck in a cash-heavy, short-term mindset. Positioning now ...

Here are the average annual percentage rates (APR) on 30- and 15-year fixed mortgage refinances and 5/1 ARM refinances: Today’s Mortgage Refinance Rates The average APR for a 30-year fixed refinance ...