Originally Posted by
Turbosina
Except... Now adjust that rate of return for inflation over the same time period...
That would be real growth, which has averaged approximately 7% for SP500 or US Total Market these past several decades. 10% is the historical return unadjusted for inflation. So using 5% would yield a conservative projection, in the context of using past results for the US market for retirement planning (25-40 year horizon)