Yeah if you are smart with your money you can still get close to 4% nominal which is about 2% real (inflation adjusted) and is what I used in my calculations. The previous generation used to be able to get 6% to 7% nominal.
My point is the Fed is significantly screwing around with the debt market which hurting anyone that invests in low risk loans (Treasuries, savings accounts, CDs, etc.). This doesn't have to be the case. Sure you might be "smart" and figure out how to get a 6% return, but reward for that 6% vs the risk is also lowered by fed activity.
