OK, for the next 18 years there is 46% failure with Mixed, and 30% with a 65% stock : 35% 5 YR Treas.
Just to finish my example. So if there is a 20 year "generational long" New Normal of poor returns, there is a significant risk of failure even if you act 100% defensively now.
And of course I should run the 100% Defense numbers from the start, to see how long I have to recognize normal markets & switch over to prevent failure from low growth...
This is very interesting.