Historical Index Returns - Assumptions

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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