pb4uski
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Fidelity's RIP, seems to give the most conservative answers, Firecalc easy to use, did TRPrice it was ok. I've not used quicken or some of the other's. Wonder if their more conservative?
MRG
Quicken is a deterministic planner and relies on the investment return that you provide, so it can be as conservative as you decide. You can also look at what-if the return is a bit higher or lower with all other assumptions held constant and get a sense as to how sensitive portfolio survivorship is to average investment return.
I use the historical return for a 60/40 portfolio with a significant haircut.