PL already has the option to override plan returns by account, and it would be great to extend this functionality into the Monte Carlo simulations.
Just to clarify, we’re saying to apply a normal distribution to the growth and dividends for any account that specifies a custom rate of return?
My idea would be to allow even plans with custom growth rates to run based on historical returns via a toggle switch. My example is where I’m customizing rates to better match investment return vs dividend versus me thinking I know where growth rates are actually going. Growth of 7% and Dividend Yield of 1.5% for brokerage in VTI vs. Growth of 6% and dividend yield of 2.5% for 401K in a target date fund both get me to the same rate of return, but I don’t want the monte carlo to take this override growth rate verbatim as it’s not me really thinking I know any better than historical date.