High rates of return and unreasonably high rates on returns are two different beasts...

Most baby boomers who have worked hard and played by the rules can live with a %5 rate quite nicely, unless of course they aren't finished trying to consume as much as they possibly can... But I'd take 5% and with alittle Social Security and Medicaid, I'd be okay... And I'm probably a lot like a lot of boomers...

Double digit rates only screw the younger workers... We are allready doing that by asking them to produce more for less money... That, unfortunately is the flip side of "high" rates of returns...

Also, returns can get mixed up with debt sometimes so folks think they are doing fine but don't realize it that the levels of returns are artificially being propped up with layers of unseen corporate debt... Yeah, Enron hasn't put an end to cookin' of books and artifical profits...

Bobert