That's another thing I always just take for granted because nobody else asks any questions. "Bonds". Like what do they mean by "Bonds"? There's more than one way to skin a cat with "bonds". And in FireCalc they allow use of something called a "Long interest rate". I can't find that explained anywhere. At least not by using that title. The description in Firecalc seems to imply it's a generalized MMF or bank saving account rate. A "return on cash" more or less which the other calculator just throws in the towel on.The .3 fee rate? I like allowing for "leakage". Measure with a micrometer, cut with a baseball bat. Real Life can't be cut so close so I throw in a "slop factor". Totally pulled out of a hat.
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