While a7% guaranteed rate of return may look attractive today, inflation or increased taxes could reduce it to a real rate of return of only2% or3% further down the road.

• 一个7%25保证的收益率今天看来可能很诱人，但通货膨胀或税收增加可能会降低收益率，使得实际收益率只有2%253%25较低水平。