Retiring in 1977: $1M grew to $122.2M on a 3% withdrawal
Retiring in 1977 with $1M and a 3% inflation-adjusted withdrawal, the portfolio was worth $122.2M after 49 years, as of the latest data. Its worst year was 2008, when the S&P 500 lost 35.2% including dividends.
Portfolio Value: Started in 1977
100% S&P 500
25/75 stocks/bonds (Trinity study mix)
Major market event
Starting: $1,000,000
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Withdrawal: 3.0%