I certainly agree 110% with Christopher. I believe your return rate is too optimistic. I think its important to realize any down months. Thus I feel anyone reading this article or blog should really focus on a 5%-8% percent return - even at that level you're going to have a -20% annual return. So be fair warn and cautious on where you're going to be putting your hard earn ALREADY TAXED dollars.
The stock market reality is much darker that most professional plays them out to be.