Roger G. Ibbotson, PhD is the Professor Emeritus in the Practice of Finance at the Yale School of Management and Chairman & CIO of Zebra Capital Management, LLC. He has written several books and articles, including the famous Stocks, Bonds, Bills, and Inflation (SSBI) chart, which is the standard reference for information and capital market returns. His latest research, “Fixed Indexed Annuities: Consider the Alternative,” suggests bond returns in today’s historically low interest rate environment may be insufficient in meeting the anticipated retirement needs of U.S. investors.