Your Retirement Portfolio Return Assumptions Are Too High - Do This Instead

Ready to retire? See what it's like to work with us → https://www.covenantwealthadvisors.co... ============== Your retirement income plan may assume a portfolio growth rate of about 10% a year. But major investment firms — Vanguard, J.P. Morgan, BlackRock, Schwab, and others — are now projecting closer to 3% to 7% for U.S. stocks over the NEXT decade. ========= 📋 FREE DOWNLOAD: 15 Retirement Planning Checklists (same ones we use with clients) → https://www.covenantwealthadvisors.co... ========= In this video, Mark Fonville, CFP®, shows you why the 10% growth rate assumption is so dangerous near retirement, what number to use instead for your portfolio growth rate, and four moves to build a plan that survives a lower-return world. You'll learn: • What "Capital Market Assumptions" are — and what the biggest firms actually project for the next 10 years • Why high stock valuations (the CAPE ratio near 40 vs. a long-run normal around 16) point to lower future returns • Why an over-optimistic return assumption is far riskier at 63 than at 33 (sequence-of-returns risk) • The three things — investor behavior, taxes, and fees — that quietly lower your real return • A prudent planning number for a balanced retirement portfolio: closer to 5% than 10% • How to stress-test your plan at lower returns so you can retire with confidence Expected returns are not predictions or guarantees. They are simply reasonable planning assumptions to consider when applying a growth rate to your money throughout retirement. The expected returns you use in your planning projections should be based on your personal situation. Source of return projections: https://www.morningstar.com/markets/e... —————————————— CHAPTERS: 0:00 – Why 10% Returns Could Break Your Retirement Plan 1:04 – Where the 10% Return Assumption Comes From 2:23 – What Wall Street Actually Projects: Vanguard, JP Morgan, BlackRock, Schwab 4:13 – Why Future Returns Will Be Lower (The CAPE Ratio) 5:28 – Why Your Age Changes Everything: Sequence of Returns Risk 6:57 – Example: Two $1.5M Retirements, Very Different Outcomes 8:19 – The Real Planning Number to Use (After Behavior, Taxes & Fees) 11:02 – 4 Moves to Protect Your Retirement Income 12:27 – Key Takeaways & Your Next Step —————————————— ABOUT COVENANT WEALTH ADVISORS Covenant Wealth Advisors is a fee-only fiduciary registered investment adviser helping retirees and pre-retirees ages 50+ with $1 million or more in investments retire with confidence. We bring retirement income planning, tax planning, and investment management together — planned as one — because that's how they work in real life. Founded by Mark Fonville, CFP®, and serving clients in Richmond and Reston, Virginia, and across the country. 🔔 Subscribe for weekly retirement, tax, and investing strategies for the years that matter most. —————————————— DISCLAIMER This video is for educational and informational purposes only and is not individualized investment, tax, or legal advice. It does not constitute a recommendation or an offer to buy or sell any security. Investing involves risk, including the possible loss of principal. Past performance is not indicative of future results. Return figures attributed to Vanguard, J.P. Morgan, BlackRock, Charles Schwab, Morningstar, and Research Affiliates are those firms' own forward-looking capital market assumptions/estimates as of their most recent published editions. They are third-party projections, not forecasts or guarantees by Covenant Wealth Advisors, and are hypothetical in nature. Actual results will differ. "Nominal" returns are before inflation; "real" returns are after inflation. Your own personal situation should dictate your own expected return assumptions. Any examples (including the hypothetical couple "Dave and Karen") and the illustrative "5%" planning figure are hypothetical, for illustrative purposes only, and do not reflect the experience of any actual client or any guarantee of future results. Your own assumptions and results depend on your individual circumstances, including your account types, tax bracket, and time horizon. Tax drag applies only to taxable accounts and varies by situation. Consult a qualified financial, tax, or legal professional before acting. Covenant Wealth Advisors is a registered investment adviser. Registration does not imply a certain level of skill or training. #RetirementPlanning #Investing #FinancialPlanning #RetirementIncome #StockMarket #SequenceOfReturns #Fiduciary