Retirement Road Map asks ‘What is the growth rate to assume for all assets after you retire?’. 

Your options are either  Use a composite growth rate or Invest by phase

1) Composite growth rate- Simply enter a conservative, blended rate of return to assume on all assets moving forward. This is a % that is compounded throughout the life of all available assets. It should represent the assumed mean average growth rate of all post retirement assets.

2) Invest by phase- The software will divide (allocate) assets into different classes of investments based on when the money is needed. The growth rates are already set for you.

More on investing by phases:

 *What are retirement phases?

*The relationship between the retirement phases and the allocation spread:

*Types of investments in each asset class: