Long-term investors are prudent in their approach to capture long term risk premia through persistent factors that have historically yielded substantial excess risk-adjuste based returns. Given inflation levels, high unemployment rates, and a negative demographic outlook, it's unlikely that the Fed will increase interest rates until 2020. Predict potential declines over the next decade and invest wisely by allocating adequate risk and assets across all lines to protect against the impending downturn in equities.