Evaluate the financial return of paying discount points upfront on a 30-year fixed mortgage versus putting that extra cash into a high-yield portfolio right now.
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Fan-out diagram
The searches the AI actually ran for this prompt.
SEED QUERY
Evaluate the financial return of paying discount points upfront on a 30-year fixed mortgage versus putting that extra cash into a high-yield portfolio right now.
2 real searches · 1 real-search pass
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
ChatGPT real searches (2)
Classes come from the query-classifier (a local Laya model). 2 of 2 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.
Searches and sources
ChatGPT2 real searches · gpt-6
2026 current mortgage discount points break even calculation CFPB mortgage points explanation Google ↗
2026 high yield savings account rates US October 2026 Treasury yields stock market long term expected returns Google ↗
- Buying mortgage points: Cost, savings, and break-even point · rocketmortgage.com
- Best High-Yield Savings Accounts of October 2026: Up to 5.00% · wsj.com
- Vanguard Capital Markets Model® forecasts · corporate.vanguard.com
- How should I use lender credits and points (also called discount points)? · consumerfinance.gov
- Data Spotlight: Trends in discount points amid rising interest rates · consumerfinance.gov
Queries
2 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
2026 current mortgage discount points break even calculation CFPB mortgage points explanation OBSERVED | Google ↗ AI Mode ↗ | — | Reason | — | — | 1x of 1 | |
2026 high yield savings account rates US October 2026 Treasury yields stock market long term expected returns OBSERVED | Google ↗ AI Mode ↗ | — | Comparison | — | — | 1x of 1 |