None of us know with certainty that we will not get at least 10% out of the stock market each year for the rest of our lives either. That is the problem with trying to see into the future. It is why I refuse to quibble over this because for all those that think it is smart to wait, there are those that think it is smart to take it now. I especially like the ones who want to wait and then live on a meager amount of funds so that they can get a windfall at 70 years old. But in the end I am agnostic and think that people should do what they think is best for them and their loved ones.