How Investors Can Get Out of a Low-Return Rut

A traditional stock-bond portfolio just might not hack it in the next few years, so retirement savers need to consider some outside-the-box investment strategies.

Cropped image of a businessman's hands working on a calculator
(Image credit: restrictions apply)

Bloomberg put a little scare into investors last October when it reported on a Research Affiliates study that found slim odds of making even a 5% real rate of return over the next 10 years with a traditional 60/40 mix of stocks and bond in your 401(k).

The story, “The Next 10 Years Will Be Ugly for Your 401(k),” was meant to be a conversation-starter. Should you increase your risk? Save more money each month? Change up your whole investment plan? Or should you, as the writer warned, “start getting used to disappointment”?

Subscribe to Kiplinger’s Personal Finance

Be a smarter, better informed investor.

Save up to 74%

Sign up for Kiplinger’s Free E-Newsletters

Profit and prosper with the best of expert advice on investing, taxes, retirement, personal finance and more - straight to your e-mail.

Profit and prosper with the best of expert advice - straight to your e-mail.

Sign up

The appearances in Kiplinger were obtained through a PR program. The columnist received assistance from a public relations firm in preparing this piece for submission to Kiplinger was not compensated in any way.


This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.

To continue reading this article
please register for free

This is different from signing in to your print subscription

Why am I seeing this? Find out more here

Kurt Fillmore, Investment Adviser
Founder and President, Wealth Trac Financial

Kurt Fillmore is founder and president of Wealth Trac Financial, an independent financial services firm based in Bingham Farms, Michigan, specializing in customized wealth management and retirement planning. He is an Investment Adviser Representative and licensed insurance professional.