The Case for Conservative Early Retirement Investment Projections

We’re all getting conflicting signals right now: From financial analysts predicting lousy returns for the foreseeable future, and from early retirees reporting how they’re beating their projections every quarter. We could take away two very different lessons from this dissonance: that we need to make sure our plan is extra solid and based on low projected returns, or that we’re probably overthinking it all and working longer than we need to. We have an opinion on this (always do!), and share why we’re taking the more conservative approach, because: recency bias.