[toomuchtodo]

7% returns are unrealistic moving forward; I would target ~5-6%.

CalPERS came to this conclusion a few months ago, and they're a bit behind the rest of Wall Street when it comes to returns estimation.

http://www.cnbc.com/2017/02/08/calperss-sees-58-percent-retu...

Some Wall Street veterans are predicting returns even lower.

https://www.bogleheads.org/wiki/Historical_and_expected_retu...

[TheAdamAndChe]

This honestly doesn't surprise me. The fact that tons of men aren't working anymore is an indicator that the old methods of maximizing productivity by lowering wages and increasing hours isn't going to work as well in the future.