2.3 is too low. This seems to be based on treasury yields that yield negative real return right now. In order to have v 2.3 you basically need to have 0 for th

2.3 is too low. This seems to be based on treasury yields that yield negative real return right now. In order to have v 2.3 you basically need to have 0 for the next 4 years if you average the previous year in.