Hi all, So I'm trying to do some projections on growth using regular contributions over a different number of years. What do you think would be a good average annual return to consider over an entire portfolio (of managed funds and direct shares)? I was thinking 12% - obviously we're in a boom at the moment so at the moment the figure isn't that unique. However if we get a recession and the share market slumps for a while, what type of annual returns would you expect to get then? Thanks in advance!