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Return Reduction - Sometimes you may feel the returns may be too high, if this is the case then you can reduce the returns. By using this drop down menu beside the field “Return Reduction” you can reduce the returns by many different percentages or you can select Custom and enter in your own reduction. Please keep in mind that the PlanPlus Planit is populated with historical indices data for all asset classes and our goal is to retain data for a 40-year period.