Where these numbers come from. Index returns with no fund fees, spreads, or taxes removed, so a real portfolio did somewhat worse. Emerging markets and international small value have no free long-run series and are modelled as developed international. Bonds are a rolling par 10-year Treasury, a proxy for a bond fund rather than a match.
Sources:
Ken French Data Library for stocks,
FRED for Treasuries and CPI. Rebuilt monthly,
open source.
Educational arithmetic, not investment advice. Leverage can lose more than you put in.