Originally Posted by Duragrouch

Some things are better purchased aftermarket. Every OEM rear rack I have seen on 406 folders is low and centered over the rear axle, and that won't allow heel clearance with any decent sized panniers. Racks for these need to hold the panniers with front edge even with the rear axle and the remaining pannier behind that. This is not unstable at all. These types of rear racks are more rare, but still available. If you want to use full size panniers and not drag them on curbs when riding in the street close to them, you want a rack height designed for large wheel bikes, that keeps the panniers high enough. They probably will not come with front stays that are long enough to reach the low seatstays on a folder, but many LBSs have extra long ones that will do.