When you use FireCalc, do you use the "historic market" returns for your portfolio - just adjusting for the percentage you hold in stocks? Or do you put in customized expected returns for stocks and bonds?
I hadn't realized they had the customized return option, and now I'm wondering if I'm being too optimistic by using the market returns and if I should adjust them down due to the historically low interest rates?
How do you handle it?
I hadn't realized they had the customized return option, and now I'm wondering if I'm being too optimistic by using the market returns and if I should adjust them down due to the historically low interest rates?
How do you handle it?