Money market funds and cash equivalents (short-term certificates of deposit, T-bills) will yield below 1.0 percent for several more years, thereby generating a negative real return.

FORBES: The Next 10 Years

This case centers on a seven-month period in 2009 and 2010, at the beginning of which Claimant Stirling transferred a large sum of money to new, non-discretionary accounts with Respondent Dowley and his brokerage, all in cash or cash equivalents, with the intention of investing largely in equities, in order for her to profit from an expected upturn in the market.

FORBES: FINRA Arbitration Expungement for Wells Fargo Broker