Lower yeilds in retirement?
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Over the last several years, the landscape for yield in retirement has changed drastically with a sharp decrease in rates in the last year. Just to give you an idea, the widely followed 10-year Treasury note was around 1.729 percent a year ago vs. (at the time of this writing) .670 percent.  This has had a dramatic impact on everything from certificates of deposit and mortgages to bonds.

Pair this data with projections from the Congressional Budget Office in a recent article in The Wall Street Journal, which cited weaker growth and significantly more red ink over the next 30 years than what had been previously forecasted, and you have a situation that seems to align with the most recent statement from The Fed regarding rates being low for a while. Another fact cited in this WSJ article was that debt, as a share of gross domestic product, is forecasted to hit 195 percent by 2050, which is 45 percent higher than the CBO projected just one year ago.