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Everything is "artificial" even the current nFTK and the QE's and all the measures that keep interest rates artificially low.
So, maybe the DNG and the ECB should take a lot more blame, rather than setting new little minded, costly rules that are in their own PR interest. Their policies have devastated returns for retirees in general. Pension Funds have been able to manage it a lot better than the individual pensioners.

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