Retiring in 1949: $1M grew to $372.4M on a 3% withdrawal
Retiring in 1949 with $1M and a 3% inflation-adjusted withdrawal, the portfolio grew to $372.4M after 50 years. Its worst year was 1974, when the S&P 500 lost 20.7% including dividends. A 1949 retiree began at the start of the great postwar bull market, which ran with few interruptions until the mid-1960s.
Portfolio Value: Started in 1949
100% S&P 500
100% bonds (Trinity study mix)
Major market event
Starting: $1,000,000
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Withdrawal: 3.0%