The U.S. 10-year Treasury yield rose to 4.8% on September 2, its highest level since November 2023, while the 2-year yield reached 4.41% and the 30-year yield climbed to 5.30%. The moves have prompted U.S. financial experts to advise individual investors to reassess portfolios as interest-rate volatility intensifies. Global yields have also risen, with benchmark rates in Japan and the U.K. at their highest levels since 1998 and German and French 10-year yields at their highest since the 2008 global financial crisis. Wall Street expects rates to remain elevated amid inflation concerns linked to higher international oil prices after renewed U.S.-Iran military clashes, growing U.S. national debt, AI-related funding needs and possible further Federal Reserve rate increases. Advisers recommend shortening bond duration (average maturity), favoring short-term bonds during the rate-hike period, considering long-term bonds when increases approach a peak, and using Treasury Inflation-Protected Securities (inflation-adjusted U.S. government bonds) to help preserve purchasing power. They also favor high-quality dividend stocks over highly valued growth shares, caution against short-term volatility trading, and recommend balancing stocks, bonds and cash in retirement portfolios. Borrowers are urged to repay variable-rate debt first, while depositors may benefit from higher-yielding short-term accounts.