Calculator

Retiring in 1994: $1M grew to $16.2M on a 3% withdrawal

Retiring in 1994 with $1M and a 3% inflation-adjusted withdrawal, the portfolio was worth $16.2M after 32 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 1994

100% S&P 500
50/50 stocks/bonds (Trinity study mix)
Major market event
Starting: $1,000,000 · Withdrawal: 3.0%