Investment Rates of Return
What are other ESPlanner users assuming for investment rates of return, annually, over the next 20-30 years?
This factor seems critical, at least in our case. So I'm very interested to hear what you're using. Many financial analysts today are saying that "it's a whole new ball game" (for a variety of reasons), i.e. you can no longer look at historic stock market returns, for example, to predict what we can earn from now on. Even 6% seems a bit optimistic given this new attitude.
Any input would be appreciated. (This includes mutual funds, bonds, individual stocks, regular savings. We're just using a single rate to cover all.)