Even with inflation tame for the time being, low CD yields would almost ensure that ultra-conservative investors would be losing real purchasing power from the money placed in those assets. If investors can't generate any return on investment by parking their money in CDs or savings accounts, they may grow more desperate for sources of income appreciation. Nonetheless, in the somewhat unlikely event that the Fed does choose to adopt negative interest rates, there's a pretty simple solution that should allow investors to generate real wealth and sleep well at night.