The point is do you need 14% returns to support your lifestyle?
That's obviously a personal choice.
I'm getting close to 70 but a 5% return will do just fine for me with very minimal risk as I can live within my means at that rate, no flash overseas holidays, no new car every year, no restaurants, no gambling, no alcohol, no smoking and no fancy new tech gadgets that everyone else its a attached to, sometimes you can do with less than you think and still have a comfortable retirement.
If your close to retirement the way things currently are I'd be a bit more conservative. But set limits to how much is at risk and how much is safe, again depends on lifestyle choices rather than just getting as much as you can, we all want MORE but at what cost?
