RatesLab v1.1
Cash to Capital Simulator

Your cash can do more — and some choices can lose value when rates rise.

Compare income, mark-to-market sensitivity and a simplified 1-year total outcome across common cash and U.S. rates instruments. Educational only — not investment advice.

How much cash do you have?
$
Rising-rates shock
+100 bp (+1.00%)
0 bp+25 bp+50 bp+75 bp+100 bp
Not applied in Earn-only. Switch to MTM or Total to apply the shock.
Scenario check: In MTM/Total view, a 10Y Treasury with an 8-year duration should move by about $8,000 for a 100 bp rate shock on $100,000.

Here's what $100,000 could earn.

Annual carry / income only. No mark-to-market impact shown.

💡 This view isolates income only.
Higher carry does not automatically mean a better investment.
Rates are representative assumptions based on the figures used in the prototype. Long-bond MTM uses a simplified duration approximation: MTM ≈ −Duration × rate change × principal. Product yields, duration and liquidity change over time. The overlay return is an illustrative assumption, not a quoted market yield or guaranteed outcome.

Earn only

Shows annualized interest or carry before market-price changes.

MTM with rising rates

Shows only the simplified mark-to-market impact of the selected interest-rate shock.

Total

Combines 1-year carry with the illustrative MTM impact. It is not a forecast.