Correct, that's why I said that it was an assumption. I picked that ETF because I think the underlying assets would do well over the next 30 years, and also bec

Correct, that's why I said that it was an assumption. I picked that ETF because I think the underlying assets would do well over the next 30 years, and also because it's relatively cheap to other ETFs because of the under-performance you mentioned. You can substitute any other asset there really that you think would perform better than 3.5%.