Rfrr= [(1+nominal rate)/(1+inflation rate)] - 1* 100

The rate of return is how much you will be making after you take the money out of your retirement plan. Typically the taxes will be around 40% so if you have 1 million, then you will get 600 k. Check the rate of return for your retirement fund.

1. real rate of return

2. inflation premium

3. risk premium

The expected rate of return is simply the average rate of return. The standard deviation does not directly affect the expected rate of return, only the reliability of that estimate.

Yes, the interest rate and rate of return are exactly the same.