* US average monthly residential power bill expected to rise 3% vs. year ago: EIA
* Nearly half of Americans struggling financially, poll reports
* Most AI stocks promoted as winners have fallen this year
* Swiss rate cut highlights divergence in monetary policy for major economies
* US home builder sentiment falls for second month, dipping to 6-month low:

US Treasuries close to erasing this year’s losses. “We’ve seen the peak in yields,” says Stephen Miller, an investment strategist at GSFM in Sydney. “Bonds are now back as having a deserved place in a multi-asset portfolio.”