Mortgage-Backed Security (MBS) Instrument and Market Features

Free CFA Level I lesson in Fixed Income. 10 min read, ~1,547 words.

Prepayment risk has two sides: contraction (rates fall, refi accelerates) and extension (rates rise, prepayments slow). Pass-throughs distribute pro-rata; CMOs carve cash flows into tranches that redistribute, not eliminate, prepayment risk. Sequential-pay retires tranches in order; PAC tranches follow a stable schedule while support tranches absorb prepayment volatility. Agency RMBS...

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