Retiring in 1985: $1M grew to $56M on a 4% withdrawal
Retiring in 1985 with $1M and a 4% inflation-adjusted withdrawal, the portfolio was worth $56M after 41 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 1985
100% S&P 500
100% bonds (Trinity study mix)
Major market event
Starting: $1,000,000
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Withdrawal: 4.0%