Basically, the change is already priced-in and you shouldn't worry about timing the market. Buy and hold.
You should get inflation + some economic growth + risk premium for holding equity.
I encourage you to read up on this, but someone else with more knowledge should recommend some books.
I didn't mention any numbers. If economic growth is low, and inflation is non-existent, you will not approach 7%.
>Why are banks struggling to get even 2% return on their investment
Where do you get that information?