Retiring in 2005: $1M grew to $3.8M on a 4% withdrawal
Retiring in 2005 with $1M and a 4% inflation-adjusted withdrawal, the portfolio was worth $3.8M after 21 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 2005
100% S&P 500
50/50 stocks/bonds (Trinity study mix)
Major market event
Starting: $1,000,000
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Withdrawal: 4.0%