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A user writes:
“…under “Asset Classes” there is a “Stocks” and a “Stocks [low]” and the same set up for bonds. I’m not sure what the [low] option means…”
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The [low] options on Asset Classes are our attempt to offer the option to model your finances using lower investment returns going forward. Many experts say you should not be using historical returns for stocks in the future, but nobody knows for sure.
Asset Classes and their returns can be defined and edited by users, and we really recommend that users take responsibility for their own decisions there, else it puts us developers in the role of giving financial advice.
On my blog page for the calculators, I offer a number of resources for estimating Asset Class returns: https://www.caniretireyet.com/calculator/
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