Real Interest rate Below is a graph of. the difference between a 1-year goveinment bond yield and the annual inaon rate. measured real interest rate between 1980 and 2020. m If we use this as representation of general real interest rates in the economy, what has been the overall trend in real rates over the past 40 years? If you are a saver, is this trend good or bad for you? If you are a borrower, is the trend good or had? 198 0 1985 1990 1995 2000 2 005 2010 2015 2020