Trump has bought $100M in bonds since entering White House, report says. Get on ‘winning’ side of his big bet

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President Donald Trump has quietly purchased at least $103 million in corporate and municipal bonds since taking office, according to NBC News. [1]

The filings from the U.S. Office of Government Ethics (OGE) provide a rare glimpse into the President’s growing investment portfolio.

The Federal Reserve has cut interest rates once since January, by 0.25% in October (2). The next Federal Reserve meeting is scheduled for December, and will be the last of the year. Trump’s bond-heavy portfolio signals a bet on interest rates dropping. After all, he’s pressuring the Federal Reserve to make that happen. [3] If rates fall, bond prices should rise — meaning Trump’s holdings could appreciate significantly.

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According to Forbes, Trump’s estimated net worth is $6.1 billion. His wealth increased by more than $3.2 billion in the past year, and his aggressive bond purchases could further accelerate this trend. [4]

But beyond bonds, the impact of falling interest rates could also trickle down to everyday Americans in other ways.

An unprecedented bond binge

U.S. Office of Government Ethics (OGE) documents show that Trump began his buying spree one day after his inauguration on January 20. He made roughly 690 transactions through Aug. 1.

His purchases span a wide range of debt instruments — from bonds issued by the New York Triborough Bridge and Tunnel Authority, to those linked with hospital facilities, airports, school districts, and regional development funds nationwide.

As Reuters reports, Trump also invested heavily in corporate bonds from megabanks like Morgan Stanley, Wells Fargo, and Citigroup. He also holds significant investments in Qualcomm, T-Mobile USA, Home Depot, UnitedHealth Group, and Meta. [5]

Notably, the filings show no sales of bonds, suggesting Trump is positioning for potential price gains if market conditions shift.

This level of trading by the President raises questions about possible conflicts of interest. The administration could influence policies affecting corporations and municipalities whose debt Trump owns.

How Trump’s bet could impact Americans

If Trump wins his bet and interest rates decline, it will affect everyday Americans. Whether you will benefit from the shift depends on whether you plan to borrow or save money.

Borrowers win:

Homebuyers: If you're an aspiring homeowner, a mortgage rate drop from 7% to 6.5% on a $450,000, 30-year loan could reduce monthly payments by $150. [6]

Credit card holders: Variable-rate APRs tend to decline when the Federal Reserve cuts rates.

Consumers with debt: Auto loans, personal loans, and lines of credit become more affordable for borrowers post-rate cuts. [7]

If you already have debt, you could still take advantage of falling rates by refinancing your debt. With Credible, you can browse rates with just a few clicks of your mouse. In just two minutes, you can compare lenders willing to consolidate your loans into one easy-to-manage payment.

Even if you're just curious about your options, checking rates on Credible can be a good idea. It won't hurt your credit score, it’s totally free, and it could save you a bundle.

Savers take a hit:

High-yield savings accounts: Current yields of around 4.5% could fall to 2–3%, cutting interest income nearly in half.

Retirees: Fixed-income products like Certificates of Deposit (CDs) and Guaranteed Investment Certificates (GICs) would offer smaller payouts, squeezing returns for those relying on stable income streams. [8]

Future homebuyers: If your down payment is currently in a high-yield savings account or short-term GIC, your money would grow more slowly, stretching out your timelines for reaching financial goals.

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How Americans can prepare

Households should plan for both the upsides and downsides of lower rates:

Refinance debt: If rates fall, consumers should consider locking in lower mortgage, auto, or personal loan rates before they rise again.

Invest strategically: A good tip is to consider equities or diversified bond exchange-traded funds (ETFs) to benefit from the value of rising assets after rate cuts.

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Right now, you can take advantage of a 1% uncapped match on every transfer, including brokerage and IRA transfers, 401(k) rollovers, and IRA contributions.

Diversify your savings: Don’t rely solely on high-yield interest accounts. Explore Certificates of Deposit (CDs), Guaranteed Investment Certificates (GICs), or Treasury Inflation-Protected Securities (TIPS), which are not volatile.

To make sure you’re properly diversified across asset classes, it could be worth meeting with a qualified financial advisor.

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Ladder fixed-income investments: Spread bond or CD maturities to manage reinvestment risk and maintain predictable returns.

Build emergency reserves: Keep enough cash on hand to prepare for volatile markets and unexpected expenses.

One option is the Wealthfront Cash Account. It offers a base variable APY of 3.50%, but Moneywise readers can get an exclusive 0.65% boost over their first three months for a total APY of 4.15%.

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With no minimum balances or account fees, 24/7 withdrawals and free domestic wire transfers, your funds remain accessible at all times. Plus, with the Wealthfront Cash Account, balances of up to $8 million are insured by the FDIC through its program banks.

While the White House insists Trump’s investments are managed by a third party, and not by him directly, his unprecedented trading activity is worth noting.

For Americans, falling rates can reshape both your borrowing power and your savings strategy. Whether you win or lose depends on how quickly you adapt.

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Article sources

We rely only on vetted sources and credible third-party reporting. For details, see our editorial ethics and guidelines.

NBC News (1); U.S. Wealth Management ([2]https://www.usbank.com/investing/financial-perspectives/market-news/federal-reserve-interest-rate.html)); BBC (3); Forbes (4); Reuters (5); CBS (6); CBS (7; (8) Synchrony

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.