👉 The Curve IOR, or Curve of Interest Over Time, is a graphical representation that illustrates how interest rates evolve over different maturities within a specific time frame, typically from short-term to long-term. It plots the yield curve, showing the relationship between interest rates and the time to maturity of debt instruments. The curve can take various shapes—upward sloping, downward sloping, or flat—and each shape reflects different economic conditions and expectations about future interest rates and economic growth. For instance, an upward-sloping curve indicates higher long-term rates relative to short-term rates, often signaling economic expansion, while a flat or inverted curve may suggest economic slowdown or recession. The IOR helps investors and analysts understand market expectations and make informed decisions about borrowing, investing, and risk management.
