Forecasts predict a dismal decade for stocks. Here's what to do.

Over the past several decades, the U.S. stock market has yielded average annual returns of around 10%.

What if those days are over?

In recent forecasts, Vanguard projects the stock market will rise by only 3.3% to 5.3% a year over the next decade. Morningstar sees U.S. stocks gaining 5.2% a year. Goldman Sachs forecasts the broad S&P 500 index will gain only 3% a year.

Those numbers aren’t outliers. A roundup of market prognostications, charted by Morningstar, finds no one projecting annual returns higher than 6.7% for the domestic stock market in the next 10 years.

In June, USA TODAY noted that many analysts predict the stock market will end the year with only meager gains.