The chart illustrates the expected returns for the 10-year Treasury note over the next year for advisors and investors. 8% of advisors expect the return to be below 3.5%, compared with 48% of investors. 45% of advisors expect the return to fall in the 3.5% to 4% range, compared with 3% of investors. 32% of advisors expect the return to fall in the 4% to 4.5% range, compared with 22% of investors. 14% of advisors expect the return to exceed 4.5%, compared with 27% of investors.