Waiting on Rates to Rise is a Bad Bet for Retirement Income: Stephen J. Huxley, chief investment strategist, Asset Dedication LLC, and professor of business analytics, University of San Francisco

Rates have been hovering at the lower end of the scale since 2001. Though the media likes to focus on the near zero rate for federal funds, the fact of the matter is that yields on 1 to 3 year maturities in previous periods have actually been lower than they are today for a surprising amount of the time.

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