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Hello everybody,
I've been reading various message boards here at TMF for about 4 months now and in that time I have seen many numbers tossed around. FF returns 15-22%, S&P500 returns 10-11%, and then earlier on this board I read of assuming 8-9% ROR for forecasting purposes.

My questions for the community are based on the following assumptions:
1) 28 years to retirement
2) retirement funds (401K and Roth IRA) fully in stocks
3) other reserves maintained in cash equivalents not included in forecasting

Question 1: What are the commonly used ROR's given the above assumptions?

Question 2: What is the rational behind the above assumption?

Question 3: What am I missing? [A wide open question blatantly inviting all sorts of related/unrelated comments... :) ]

I know that choices of the assumed ROR are strictly up to me for my situation but I would like to know the rational behind choosing a lower ROR than the market average for the last 50 odd years. Reducing the assumed ROR to 80% of the market average seems very pessimistic for one in my situation.

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