> don't have as much faith in the market delivering 6% returns over the long term A 6% return is not equivalent, because a 6% return would still leave you with

> don't have as much faith in the market delivering 6% returns over the long term A 6% return is not equivalent, because a 6% return would still leave you with $1m at the end of the day (or your life). An equivalent return for a 25 year period would be about 4%, and I defy you to find a diversified portfolio that can't return 4% over 25 years...