Just because the stock market is performing well doesn't mean investors should expect top returns. And those saving for retirement will have to try harder and adjust, as will the retirement industry itself.

So say the experts at Prudential Financial Inc., who warn there will be more and longer periods of volatility ahead and that growth will not be consistent globally. 

In addition, continued strong demand for bonds will keep yields low, even as stocks running higher valuations continue to gain in a low-interest-rate environment. 

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