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When we ask investors about their realistic expectations for returns on their retirement portfolios, the answers are often anything but: “Anything from 10% at the bottom to 15% at the top” is a common response. Keeping in mind that the average stock market return is around 8% per year, as measured by the S&P 500 index, it’s easy to see why these scenarios, particularly at the higher end, are somewhat overly optimistic.