It's time to prepare for a massive drop in rates into 2025. The days of investors getting a risk-free 5% yield are coming to an end. The Federal Reserve raised the benchmark interest rate from 0.25% in early 2022 to 5.5% in July 2023 to tamp down inflation. As a result, certificates of deposit (CDs), Treasuries, and even high-yield savings accounts were terrific passive income vehicles. However, with inflation back near 2.5%, the Fed lowered interest rates by 0.5% in September, and the market expects severa ...