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Reply to "When does contributing to your portfolio start to feel pointless?"
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[quote=Anonymous]I think projecting/expecting anywhere near 10% return is a mistake. You should be much more conservative in your planning so that you hit your mark. 5 or 6% return is more reasonable. I think if you are far from retirement, stay the course and stick to your plan. As you get closer, things might change. We’re on the cusp of retirement and what we’re experiencing is that we have a lot of pre tax savings. We plan on doing a lot of conversions to Roth to manage taxes. [/quote]
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