The Globe and Mail reports in its Wednesday edition that dividend yields are not what they used to be. The Globe's David Berman writes that in the good old days, in 2022 and 2023, inflation was ripping and you could buy a guaranteed investment certificate yielding 5 per cent, while dividend stocks yielded even more. And money-market funds paid out 4 per cent. Today, anyone looking for investments that will generate attractive income -- perhaps to fund retirement, save for a down payment or reduce stress related to stock market volatility -- have fewer options. Five-year GICs from large banks now yield under 3 per cent in many cases. Money-market yields are hovering just over 2 per cent, according to the Bank of Canada. As for dividend stocks, Royal Bank of Canada's dividend yield is just 3 per cent, Fortis is 3.3 per cent and TC Energy is slightly under 4 per cent -- all down substantially over the past couple of years, as share prices ripped higher. To be sure, there is a silver lining to shrinking yields. Mr. Berman points out that the Bank of Canada has licked inflation, removing a huge economic threat. Interest rates are down sharply, which has lowered borrowing costs and eased pressure on bank loan books.