What's this "Fixed Return Fund" my wife is eligible for? Too good to be true?

Historic long term returns for equities is right around 7%

Inflation adjusted equity return is around 7%.

If the 7% return is including inflation. then it is more like a real 4 or 5% return. the feds shoot for a 2% infaltion target, but in the 80's inflation was 11%. if inflation is 11% and the fund gives 7% your losing 4% purchaing power a year! with the very low interst rates. some people are expecting this to fuel money creating and asset price bubbles and insane infaltion if the feds do not raise rates fast enough soon enough. now i get the feds are smart people so i am not sure what will happen. because right now we seem to be having the opposite problem of the 80's they had high inflation but low growth we have high economic out put growth but low inflation. both seem to confuse me very much!

/r/investing Thread