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[quote=Anonymous][quote=Anonymous]The return/inflation questions are very hard because people can tell you what happened in the past but no one can tell you what will happen in the future.

You could check historical return/inflation rates-- I think they run about 6-7% for a balanced portfolio of stocks and bonds, and about 3% for inflation.  There are people who will say that going forward you should expect more like 4-5% for a balanced portfolio but I can't tell you if they are right, or if inflation will stay around/under 2%.

Basically you can use different figures to test how much wiggle room you have-- do you need 7% returns to be on track?

% of income is a very crude measure of retirement expenses. Ideally you would try to estimate your actual expenses, but if that seems too complicated, then try replacing all of your income except the amount going to retirement savings (or other big chunks you'll be done with-- like college or mortgage).  So if you currently put 10% into TSP estimate that you'll need 90% of your current income.[/quote]

this is the op - thank you for taking the time to write such a detailed response.  It is most helpful.  Also thanks to the pp.[/quote]

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