text:  And when we do this, we always make sure that we're very conservative on the rate of returns that you're going to get. Because if you get better than that, great. It just means you have more money in retirement. But we want to make sure that you're not close to running out of money based upon a conservative rate of return, based upon bucketing of your money to make sure that you can survive the downturns in the market and making sure that you are comfortable in living that lifestyle that you always wanted to live.