That probably involves an acceptance of more modest investment returns across the board than people may have been used to in the past decade or more. But unrealistic expectations, and the inevitable disappointment which follows, have elsewhere proven, through the swings in broader behaviour that those experiences bring, to be the biggest source of macroeconomic problems in recent years.
If we can avoid that trap, we will have done a good deal to set the ground for continued good performance over the medium term, to add to the decade of good outcomes we have already enjoyed.