When dialing in your asset return assumptions within the °°° More Menu > Assumptions > Asset Return tab of the Advisor Portal, you will find three available presets to choose from:
The Historical Index Returns preset is the default selection in RightCapital. These assumptions are geometric returns based on historical data from various market indices. This set of assumptions is curated by RightCapital, and is updated on an annual basis.
For equity asset classes, RightCapital provides assumptions based on return data from the last 50 years. For indices that do not have 50 years of data, RightCapital delivers data back to the earliest date that the index is available.
For fixed-income classes, RightCapital provides assumptions based on the last 20 years (as many of these indices do not have 50 years of data).
The Historical Index Returns for 2024 can be found in the table below, along with the index and timeframe used for each individual asset class:
Asset Class
Interest
Dividend
Capital Gain
2024 Total Return
Index Data Used
Large Growth
2.00%
9.10%
11.10%
S&P 500 Total Return Index: Dec 1973 - Dec 2023
Large Value
2.00%
9.10%
11.10%
S&P 500 Total Return Index: Dec 1973 - Dec 2023
Mid Cap
2.00%
8.31%
10.31%
Russell Midcap Index: Dec 1995 - Dec 2023
Small Cap
2.00%
8.33%
10.33%
Russell 2000 Index: Dec 1980 -Dec 2023
International Equities
2.00%
6.62%
8.62%
MSCI EAFE Index: Dec 1973 - Dec 2023
Emerging Markets
2.00%
7.45%
9.45%
MSCI Emerging Market Index: Dec 1987 - Dec 2023
Real Estate
2.00%
7.35%
9.35%
MSCI US REIT Index: Dec 2009 - Dec 2023
Government
3.89%
0%
3.89%
10 Year Treasury Bond: Dec 1999 - Dec 2023
Municipal
4.35%
0%
4.35%
Bloomberg Municipal Bond Index: Dec 1999 - Dec 2023
Corporate
4.05%
0%
4.05%
Bloomberg US Aggregate Bond Index: Dec 1999 - Dec 2023
High Yield
6.33%
0%
6.33%
ICE BofA US High Yield Index: Dec 1999 - Dec 2023
International Bonds
4.05%
0%
4.05%
Bloomberg US Aggregate Bond Index: Dec 1999 - Dec 2023
Cash
1.66%
0%
1.66%
3 Month Treasury Bill: Dec 1999 - Dec 2023
Other
2.00%
9.10%
11.10%
Use S&P 500 as Proxy
Don't see any return assumptions presets?
Return assumption presets are only available when using "Standard" as your Model Type in the °°° More Menu > Assumptions > Misc tab.
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