A 10% return is not unbelievable. Between 9% and 10% per year gets you to 28e6 by 2099. I would use 6% as a nice conservative number, but I would not sell muc

A 10% return is not unbelievable. Between 9% and 10% per year gets you to 28e6 by 2099. I would use 6% as a nice conservative number, but I would not sell much business as a fund management sales guy saying that.