The Boldin software does not model any specific assets such as individual stocks, bonds, mutual funds, etfs, bonds or cash and you have the ability to model your asset allocation (which is the percentage of equities and fixed income you have in each account) by changing the optimistic and pessimistic Rates of Return.
A common approach is to use the historical return (reduced for any uncertainty you feel appropriate) as the Optimistic Rate of Return.
Enter nominal rates, do not adjust for inflation.
See this related article regarding your Pessimistic Rate of Return.
Historical Rate of Return for Equity and Bond Portfolios (1926 - 2022)
Using US Large Cap Equity and US Intermediate Bonds
Growth
100% Equity (Total US Stock Market)
Average annual return: 10.1%
80% Equity (Total US Stock Market)
20% Fixed Income (US Intermediate Bond)
Average annual return: 9.4%
70% Equity (Total US Stock Market)
30% Fixed Income (US Intermediate Bond)
Average annual return: 9.0%
Moderate
60% Equity (Total US Stock Market)
40% Fixed Income (US Intermediate Bond)
Average annual return: 8.5%
50% Equity (Total US Stock Market)
50% Fixed Income (US Intermediate Bond)
Average annual return: 8.1%
40% Equity (Total US Stock Market)
60% Fixed Income (US Intermediate Bond)
Average annual return: 7.5%
Conservative
30% Equity (Total US Stock Market)
70% Fixed Income (US Intermediate Bond)
Average annual return: 7.0%
20% Equity (Total US Stock Market)
80% Fixed Income (US Intermediate Bond)
Average annual return: 6.4%
100% Fixed Income (US Intermediate Bond)
Average annual return: 5.1%