Will 2018 be the year the US Federal Reserve will finally deliver on their interest rate hikes according to their now infamous dot-plot chart? Since the introduction of quantitative easing and the reduction in US interest rates down to a range between 0.00% to 0.25% in December of 2008, there has been plenty of discussions on when to normalize the monetary environment. Over the past decade, savers and fiscally responsible citizens have been punished as money in the bank did not return anything.