An advisor is preparing a retirement plan for a client but is unsure what to assume for future inflation rates. He found that the historical inflation rate is $3\mathrm{.}25\%$; over the last decade, however, inflation has been just $2\%.$ In his research, he also found that annual inflation rates in the U$.$S$.$ have been as high as $13\%$ and as low as $-10\%.$ Based on this information, which rate should he assume for his client's retirement plan? $[$LO $2\mathrm{.}3]$

Question $11$ options:

A$)$

$-10\%$

B$)$

$2\%$

C$)$

$3\mathrm{.}25\%$

D$)$

$13\%$