<II> good choice of Date ...three 'crashes' in that interval(the *i* know of)Actually, I just picked 1985 because that gives us 25 years of history. More-or-less representative of the length of a person's "investing lifetime". that occurred to me right after i posted ...in which case --rather interesting that those of us who've been investing that length of time have seen 3 'crashes' --Scary times that we had to deal withA very accurate spreadsheet would take into account actual historical dividends and margin rates. I suspect that the results would not be much different than the SWAG method I used.don't know ...would certainly be a pain <g>just that if margin rates track, and we're at historic lows for other rates ..your margin rate assumption might be very optimistic=
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