u/Actor02095

In many of the investment projections, the guys use Lifetime Rate of Return that starts at 10.0% at 30 y/o and drops 0.1% for each age beyond that until 55 y/o stopping at 5.5%. That means someone who starts investing at 20 y/o should expected a 10% RoR for their entire investment lifetime. I don’t see how that’s possible when you should de-risk as you age which lowers your return. Can anyone help me see why their “lifetime” assumption makes sense?