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Treasury Yields Haven’t Been This High Since 2007—3 ETFs to Watch

Written by Nathan Reiff. First Published: 9/30/2026.

The bond market is flashing a signal that has not been present in almost two decades: The benchmark 10-year Treasury yield climbed above 5.25% on Sept. 28, 2026, cementing levels reached last week that are as high as any since the middle of 2007.

Several factors have contributed to the surge, including a recent Fed rate hike, fast-rising crude prices, a poorly received Treasury sale and more.

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Because they influence mortgage rates, corporate financing, stock valuations and many other areas, 10-year Treasury yields affect borrowing costs throughout the economy. As yields rise, they push existing bond prices lower. While this may be bad news for current holders, it can also benefit new buyers. Three exchange-traded funds (ETFs) offer different ways to respond to the current yield opportunity.

TLT: Long-Duration Treasuries Bring Greater Upside—and Greater Rate Risk

One of the most direct ETF plays on long-term Treasuries is the iShares 20+ Year Treasury Bond ETF (NASDAQ: TLT).

When the 10-year yield reached 5.25%, TLT traded just under $79, near the bottom of its 52-week range, and was down almost 10% year to date (YTD).

With its NAV having declined, TLT is now positioned to provide more attractive income for investors. Its dividend yield stands at 4.95%, with an annual expense ratio of just 0.15%.

Still, investors should keep in mind this fund’s focus: It holds only bonds that mature in 20 years or more, making it highly sensitive to shifting rates.

If, for example, rates peak and then roll over, TLT could be poised for a significant rebound.

On the other hand, if the Federal Reserve continues its tightening process, TLT could take a bigger hit than some of its rival bond ETFs. This makes the ETF a good option for investors who strongly believe the bond market is going to improve and are willing to accept a meaningful amount of volatility and risk alongside a traditionally stable fixed-income investment.

HYG: Higher Income Comes With More Corporate Credit Risk

Investors wary of TLT’s sensitivity to long-term interest rates may instead consider the iShares iBoxx $ High Yield Corporate Bond ETF (NYSEARCA: HYG).

This fund, which invests in dollar-denominated, sub-investment-grade corporate bonds, has less duration risk but greater exposure to corporate credit risk.

HYG is trading lower on a YTD basis, but only by about 4%. Its dividend yield is an impressive 6.10%, though investors should keep in mind that trailing yield figures can lag in a shifting interest-rate environment.

In exchange, the fund charges a much higher annual expense ratio of 0.49%. However, its excellent liquidity may appeal to investors who are wary of paying that much for a fixed-income fund.

This fund may appeal most to investors expecting economic resilience in the corporate sector. If economic activity continues to expand, HYG could benefit from stronger corporate borrowers.

On the other hand, a growth scare that widens credit spreads could put additional pressure on HYG. This would increase the fund’s overall risk, which is already elevated compared with that of a Treasury-based fund like TLT.

SHYG: Shorter Duration Can Limit Interest-Rate Sensitivity

The iShares 0-5 Year High Yield Corporate Bond ETF (NYSEARCA: SHYG) is a variation on the corporate bond strategy offered by HYG.

With a portfolio of junk bonds with fewer than five years to maturity, SHYG has a duration that is only a fraction of TLT’s.

As of Sept. 28, SHYG’s effective duration was just 2.35 years, compared with nearly 15 years for TLT. Its weighted average maturity was 2.82 years, which helps explain why it should be less sensitive to changes in Treasury yields than a long-duration fund.

This means that if yields continue climbing, SHYG may be subject to smaller price swings. Its reduced interest-rate exposure makes SHYG a more defensive option against further increases in yields.

At the same time, SHYG still provides competitive income, including a dividend yield of 7.13%. The fund also offers a middle-of-the-road expense ratio of 0.30%, which falls between the costs of the other ETFs on this list.

Matching the Bond ETF to the Rate Outlook

The recent yield spike has created very different opportunities across the bond market, and the right fit depends largely on what investors expect from interest rates and the economy.

TLT has the greatest rebound potential if long-term yields are near a peak and eventually reverse, but it also carries the greatest sensitivity to further rate increases. HYG reduces some of that duration risk while adding more exposure to corporate credit conditions, making it more dependent on continued economic resilience. SHYG takes that trade-off a step further, pairing high-yield credit exposure with shorter duration that may help limit price swings if rates remain elevated.

The key question is whether investors are more concerned about further rate increases or weakening credit conditions. 

With both risks still in play, these funds may be better viewed as distinct tools for different rate scenarios rather than interchangeable ways to pursue higher yields.

Hims & Hers Slides Nearly 7% as Legal Pressure Adds to Its Growing List of Risks

Written by Jessica Mitacek. First Published: 9/24/2026.

Shares of telehealth platform and direct-to-consumer (D2C) personal care products provider Hims & Hers Health (NYSE: HIMS) fell 6.7% on Wednesday, Sept. 23, as investors continued to weigh the fallout from August’s disappointing earnings report and mounting legal pressure, including a securities class action filed earlier this month and an ongoing FTC lawsuit over alleged privacy and billing practices.

HIMS' year-to-date (YTD) loss is over 12%, including a nearly 26% decline from its YTD high on July 6.

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For shareholders who have already endured the stock’s elevated volatility this year, the ongoing legal scrutiny could further fuel a downtrend that has seen the stock shed more than 45% of its value over the past year.

Hims & Hers Faces FTC Lawsuit and Securities Class Action

On July 29, the U.S. Federal Trade Commission (FTC), the Utah Division of Consumer Protection and Los Angeles County Counsel, on behalf of California, sued Hims & Hers in a joint federal lawsuit.

The lawsuit alleges that the company shared consumers’ sensitive health information with third-party advertising platforms, including Meta Platforms (NASDAQ: META) and Snap (NYSE: SNAP), despite promising to protect patient privacy.

According to the complaint, Hims & Hers made subscriptions difficult to cancel, routinely processed initial refill charges 10 days before consumers’ selected cadence and charged for prescriptions almost immediately after consumers submitted an intake form. This occurred despite telling consumers that they could first consult with a medical provider to find a treatment that is "right for them."

Hims & Hers disputes the allegations and has said it intends to vigorously defend itself against the FTC’s claims.

Building on the FTC’s filing, a separate securities class action filed on Sept. 1 aims to represent Hims & Hers shareholders who purchased or acquired the company’s securities between Aug. 4, 2025, and July 29, 2026.

The class action cites many of the same alleged privacy and billing practices described in the FTC case. It further contends that Hims & Hers and certain executives violated the Securities Exchange Act of 1934 by making materially misleading statements about the company’s business, operations and prospects, and by failing to disclose that those practices could expose the company to regulatory scrutiny and potential financial penalties.

Investors seeking appointment as lead plaintiff in the class action have until Nov. 2, 2026, to file a motion with the court, according to Robbins Geller Rudman & Dowd LLP, a securities-fraud law firm publicizing the class action.

Legal Setbacks, Earnings Misses Cloud Hims & Hers’ Outlook

The FTC and class-action lawsuits are among the latest in a series of headwinds facing the D2C healthcare company. Amid these legal challenges, Hims & Hers reported a Q2 earnings miss on Aug. 10, its second consecutive miss and fourth in the past five quarters.

Despite strong subscriber growth and 38% year-over-year (YOY) revenue growth, the Q2 report contained numerous areas of concern. Q2 earnings per share (EPS) of negative 37 cents missed analyst expectations of negative five cents and marked a significant YOY decline from Q2 2025’s EPS of 17 cents.

Hims & Hers reported a net loss of $86.3 million in Q2, a concerning reversal from net income of $42.5 million in the same quarter a year earlier. Meanwhile, adjusted gross margin fell to 64%, down about six percentage points from the previous quarter.

The company’s Q2 report did provide some positive takeaways, though they came with caveats. Hims & Hers expanded access to branded GLP-1 weight-loss products, while international revenue—driven by the acquisition of Eucalyptus earlier in 2026—grew.

However, Q2 free cash flow was negative $68 million, and Hims & Hers recorded roughly $81 million in acquisition, restructuring and FTC-related legal costs. With the FTC case still pending and the securities class action now underway, legal expenses could remain a headwind.

Revenue and Subscriber Growth Offer a Silver Lining

In Q2, Hims & Hers saw an acceleration in both top-line and subscriber growth.

Revenue of $753.21 million exceeded analyst expectations of $698.9 million, representing an increase of more than 38% YOY. Management also raised full-year 2026 revenue guidance to a range of $3.1 billion to $3.3 billion.

The company gained roughly 300,000 new subscribers, bringing its total to nearly 3 million. Additionally, Hims & Hers’ investment in AI is beginning to bear fruit. The company reported early benefits from its AI-native care platform, including a threefold increase in customer messaging, an approximately 50% reduction in nonclinical support tasks and lower cancellation rates in pilot cohorts. Management expects AI investments to pay back within 12 to 18 months and support improved retention and cost efficiency.

Still, Wall Street’s expectations appear tempered. Of the 16 analysts currently covering the stock, only three assign it a Buy rating. Overall, HIMS receives a consensus Hold rating alongside a 12-month price target that implies approximately 13% potential upside.

But with a beta of 2.42, the stock is 142% more volatile than the broader market, which has kept it in favor with bearish traders. Current short interest is 26.69%, or nearly 55 million shares out of more than 233 million shares outstanding. As the company continues to grapple with earnings disappointments and costly legal pressure, investors should expect ongoing volatility.