5% consistent authentic wage expansion, a retirement age of 67 as well as a planning age by way of ninety three. The substitution yearly money target is outlined as forty five% of pre-retirement once-a-year money and assumes no pension profits. This focus on is predicated on Consumer Expenditure Survey (BLS), https://elliothpuya.isblog.net/a-secret-weapon-for-inflation-hedge-strategy-53398235