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Personal Finance Topics / Retirement Investing
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Author: sykesix   😊 😞
Number: of 1171 
Subject: Re: 100% Stocks
Date: 10/22/25 3:44 PM
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No. of Recommendations: 10
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.
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