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The most often cited average annual return for stocks (using return data dating from 1926) is 10 percent per year. How reasonable is it to use these historic returns as goals for retirement investors?

Risk and return are related.

The average retirement investor may not be as rational as required by Modern Portfolio Theory, but they arent that stupid, either.

I might not be a lobbyist or a politician, but I do know a little bit about history.

They came in with the dour expression of having the weight of the world on their shoulders. They left with a smile on their face and a skip in their step.

It's not just that retirees dislike annuities; it's that they go out of their way to act on that dislike.

Weve all sat in those boring 401(k) education sessionssome of us on both sides of the perpetual PowerPoint. It's the same-old, same-old: Saving is good, saving is great. Hurry up before it's too late.

The problem with using volatility to define risk takes me back to my teenage years and my war with literary interpretation.