"Expert: Realistic Retirement Return Rate Much Lower Than 12%"

Experts are debating the realistic rate of return for retirement investments, with Suze Orman and Dave Ramsey advocating for a 12% return assumption while David Blanchett argues for a more conservative estimate of 5-7%. Orman emphasizes the power of compounding and advises young investors to start early, while Blanchett highlights the impact of volatility and inflation. Personal asset allocation, fees, and staying invested through market volatility are also important factors in determining actual returns.