Lots of folks have their own spreadsheets to crunch numbers.
So, I was wondering what kind of returns do you typically float around in your calculations?
Do you use numbers for both estimated inflation and return or a single number for a normalized 'real return' after accounting for inflation and any fees?
I make runs in my own spreadsheet for several 'what if' scenarios starting at 0% 'real return' and go up from their, but I guess I'm being ultra conservative as my baseline real return for the core of my plan is only 2%.
Is that being too conservative?
So, I was wondering what kind of returns do you typically float around in your calculations?
Do you use numbers for both estimated inflation and return or a single number for a normalized 'real return' after accounting for inflation and any fees?
I make runs in my own spreadsheet for several 'what if' scenarios starting at 0% 'real return' and go up from their, but I guess I'm being ultra conservative as my baseline real return for the core of my plan is only 2%.
Is that being too conservative?