© 2023 eMoney Advisor, LLC. | Software Version: 10.3.759.49752 | Terms of Use Security Privacy Notice Disclaimer Important Terminology Screen Sharing DisclaimerClient Website Vault connections & facts Annuities Connections Facts Insurance Stock Options integrations Integrations - General Addepar Albridge Black Diamond Box Fidelity Institutional MoneyGuidePro Morningstar Orion Redtail Riskalyze Schwab Advisor Center TD Ameritrade Institutional Advanced Planning Decision Center Estate Planning Goal PlannerLeading wealth management and financial planning software for advisors, firms, and enterprises. Support your business' every need, from planning to client services. | … michel janse gossip One way to get real rates is to look at the yield on 10-year U.S. Treasuries and subtract inflation. From the late 1980s through about 2000, real rates were around 3 percent to 4 percent. 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