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Old 04-03-2015, 08:52 AM   #81
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I am using 6% nominal for a 100% equities portfolio with 3% inflation for a 3% net real gain. Also using 2% COLA estimate for SS with a 25% haircut of SS in 2035 (IIRC).

Considering my recent performance, 6% may be optimistic.

Considering folding the tent and converting everything to Wellington (60/40).
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Old 04-03-2015, 09:34 AM   #82
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The future rate of return over a longish period is going to be about what it has been in the past, or things will change so much that it won't matter what you predict.

Too many programs and budgets depend on the future remaining similar to the past.

So 4% real?
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Old 04-03-2015, 09:40 AM   #83
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Quote:
Originally Posted by Ed_The_Gypsy View Post
I am using 6% nominal for a 100% equities portfolio with 3% inflation for a 3% net real gain. Also using 2% COLA estimate for SS with a 25% haircut of SS in 2035 (IIRC).

Considering my recent performance, 6% may be optimistic.

Considering folding the tent and converting everything to Wellington (60/40).
I am using 6% as nominal and also considering switching some allocation to Wellington or Wellesley. The concern is that these funds do not have much international exposure.
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Old 04-03-2015, 10:47 AM   #84
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22%. I have a system.
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