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According to the discussion on slides $16$ and $17,$ why shouldn't we count on high money market$/$ savings rates of return for long? and, what would be an alternative?

historically such short term rates do not last long; short$-$term and mid$-$term bonds

historically such short term rates do not last long; real estate

historically such short term rates do not last long; stocks

money market $/$ savings rates will never be higher than now; stocks

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