This invention modifies the Ibbotson-Sinquefield model to use current corporate bond yields as the principal input for forecasting returns on stocks, bonds, treasury bills, and inflation rates. This allows increasing the forecast period to the maximum time horizon using corporate bond yields, which currently is up to 100 years.
 This invention was made with Department of Energy support under Subcontract No. PA002730 awarded by Bechtel SAIC Company, LLC under DOE contract no. DE-AC28-01RW-12101. Kenley Consulting, LLC has certain rights in this invention as a small business under 35 USC 202. The Department of Energy also has certain rights in this invention under 35 USC 202.