Economy February 12, 2026

Citigroup Rates Desk Says Markets Are Undervaluing US Inflation, Flags Trading Opportunities

Citi strategist points to persistent underlying inflation and recommends buying five-year five-year inflation forwards

By Derek Hwang
Citigroup Rates Desk Says Markets Are Undervaluing US Inflation, Flags Trading Opportunities

Citigroup's rates desk warns market expectations for US inflation are too low and recommends inflation-linked positions. Benjamin Wiltshire says investors may be overlooking ongoing consumer resilience and that inflation is structurally higher, making five-year five-year inflation forwards an attractive trade given current pricing around 2.5%, below the Federal Reserve's preferred measure that remains just under 3%.

Key Points

  • Citigroup's rates desk believes markets are underestimating future US inflation.
  • Benjamin Wiltshire recommends buying five-year five-year inflation forwards, which he says are priced around 2.5%.
  • The Fed's preferred measure of underlying inflation is noted as persistent at just under 3%, creating a potential pricing gap.

Citigroup Inc.'s rates trading desk is flagging a disconnect between market pricing and actual inflation readings in the United States, arguing that markets have likely underestimated future price pressures and that inflation-linked strategies now look appealing.

Benjamin Wiltshire, a strategist on the bank's rates desk, told Bloomberg News that market participants appear convinced inflation will fall, a view he questioned. "Markets seem to have this conviction that inflation is going to come down," Wiltshire said. "We’re still in a structurally higher inflation environment."

Wiltshire highlighted one specific instrument he believes is mispriced: the five-year five-year inflation forward. According to the strategist, these forwards are trading at roughly 2.5 percent, a level he considers too low when compared with current inflation measures. He contrasted that market-implied rate with the Federal Reserve's favored gauge of underlying inflation, which he noted remains persistent at just under 3 percent.

The strategist's view points to a gap between market expectations and the inflation readings that policymakers and analysts are watching. That gap, Citi says, could create opportunities for traders willing to take positions that profit if inflation proves stickier than markets now forecast.

From Citi's perspective, the combination of resilient consumer behavior and a higher structural inflation baseline means investors may need to revise their outlooks upward. The recommendation to buy inflation forwards is presented as a way to express that view through instruments directly linked to consumer price movements over a defined forward-looking window.

While the rates desk frames the position as attractive at current levels, the note underscores the fundamental uncertainty in forecasts and the reliance on market repricing to capture potential gains. Traders and portfolio managers focused on inflation-sensitive instruments and fixed-income allocations are the primary audience for this call.


Implications

  • Inflation-linked securities and fixed-income markets could see increased interest if investors follow Citi's recommendation.
  • Persistent underlying inflation readings may force a reassessment of market pricing for medium-term inflation expectations.
  • Traders betting on higher-than-expected inflation would likely target instruments such as five-year five-year inflation forwards.

Risks

  • Market expectations may remain anchored at lower inflation levels, leaving inflation-linked positions exposed if prices fall further - this notably affects fixed-income traders and inflation-protected securities.
  • If consumer resilience weakens unexpectedly, the assumption of structurally higher inflation could be undermined, impacting trade outcomes for investors in inflation-sensitive instruments.
  • Repricing in markets may be slow, so positions taken to exploit the gap between forwards and reported inflation could face interim volatility in bond and derivatives markets.

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