AD AP TIN G TO A LOW IN TE RE ST RATE E N IRON M E N T. A retired couple has expressed concern about the really low interest rates they’re earning on their savings. They’ve been approached by an adviser who says he has a “sure-fire” way to get them higher returns.

What would you tell this retired couple about the low-interest-rate environment, and how would you recommend them to view the adviser’s new prospective investments? lo1