Please click on the link below to view Shane Oliver's views on the outlook for medium term returns.

Key points raised are:

• Low and falling investment yields from most major asset classes point to a constrained medium term return outlook.
• For a diversified mix of assets this has now fallen to around 6.9% on our projections
• For investors the key is to
  • have realistic return expectations
  • allow that inflation is also low so real returns aren't down as much
  • focus on asset allocation
  • focus on assets with decent and sustainable income