Subject: Re: 100% Stocks
Question for the group; what rate of return do you use in your models? I have been using values as low as inflation+2% to inflation+6% - clearly the more you allocate to cash/bonds the lower the number.

The rate of return in your range almost doesn't matter. The key is the sequence of returns. Assuming spending is roughly constant + inflation, a bad sequence of returns early in the retirement period can lead to a busted portfolio. A good sequence early in the period will drive it to the moon.