After a year of nirvana, investors may need to get ready for something a little more normal.Markets are coming off a fabulous 2019, where stocks and bonds around the world climbed in concert. in fact — Wall Street is telling investors to set their expectations considerably lower.It’s not calling for another crash like the U.S. stock market suffered just over a decade ago. Or for another run like the last 10 years, where the S&P 500 returned more than 13% on an annualized basis. A gain less than half of that may be more likely, both for next year and annually for the coming decade.People need to have a more realistic expectation of what returns are going to be
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