Goal-required return
Risk & psychologyThe annual return a particular plan needs in order to arrive, computed from the target amount, the date, what is already saved and what can be added each month.
In plain terms
A consequence rather than a choice, and quite separate from the discount rate a valuation calls a required return. Where it exceeds what your capacity for loss permits, the quantities that can move are the contribution, the target and the date — never the allocation.