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The 'Future' of Retirement Planning
The Retirement Cafe 
[Opinion] Apr. 2, 2018
"if you have planned your retirement with a spreadsheet model, you should take another look, especially if your plan shows a single straight path to doubling (or more) your initial portfolio. It could happen; it just isn't likely and if it does happen it certainly won't be a smooth path. If you're using an online calculator, make sure it incorporates simulation.... But simulations have issues, too, so they're only a starting point."
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