Calculator

Retiring in 1960: $1M grew to $32.8M on a 3% withdrawal

Retiring in 1960 with $1M and a 3% inflation-adjusted withdrawal, the portfolio grew to $32.8M after 50 years. Its worst year was 2008, when the S&P 500 lost 35.2% including dividends.

Portfolio Value: Started in 1960

100% S&P 500
75/25 stocks/bonds (Trinity study mix)
Major market event
Starting: $1,000,000 · Withdrawal: 3.0%