I'm trying to project out the returns I will receive on my portfolio for the next 5 years, in order to determine the soonest time I can retire.
I have a mix of stocks (75% right now), bonds (15% right now), and reits (10% right now). I'm using 5% for what I expect the annual average return to be. However, I have no real basis for this number. I just don't expect to get the usual 8% investment planners use for the stock market.
What are you guys using for future projections? And what is your rationale? I'm trying to keep it simple (i.e. the 5%). I realize it all comes down to speculation, but what do you think?
I have a mix of stocks (75% right now), bonds (15% right now), and reits (10% right now). I'm using 5% for what I expect the annual average return to be. However, I have no real basis for this number. I just don't expect to get the usual 8% investment planners use for the stock market.
What are you guys using for future projections? And what is your rationale? I'm trying to keep it simple (i.e. the 5%). I realize it all comes down to speculation, but what do you think?