As the Federal Reserve mulls raising interest rates, a majority of U.S. investors have taken advantage of the low rates, according to the third-quarter Wells Fargo/Gallup Investor and Retirement Optimism Index survey. The survey of 1,006 investors was conducted Aug. 7-16; the median age of the retired investors is 70, and the median age of the non-retired respondents is 45. Six in 10 investors (58 percent) are benefiting from lower rates, either by taking out a car loan (30 percent), refinancing an existing mortgage or home finance loan (17 percent), taking out a mortgage for a new home (16 percent), obtaining a student loan for themselves or a family member (9 percent) or taking out another type of loan (10 percent) over the past two years. Half of the investors say they are very or somewhat likely to take out a loan in the near future in anticipation that rates may go up.