There’s backer expectations of at least one drop in the second half of 2024

I’d you look at bank gic rates you’ll see an indication of what the bankers are predicting

For example, short term 1 year or less, have better rates than 2-5 because of this sentiment

That doesn’t mean it’s guaranteed, just the overall direction that is being expected

However, of you have some cash, there OSS some quick 5% returns to earn on 8 month gics lately