[pc86]

What's the "risk-free" amount then? 2%? 1%? 0.25%?

2% just means you need more money saved, not that you need to actively run a business into your 80's to continue feeding yourself.

[UweSchmidt]

They said risk-free would be -0.4% or something. I suppose they would have been biased to say "buy our funds", and they didn't really push any other products except maybe real estate. Everyone was bummed out.

Curious to hear other opinions.