Retiring in 2011: $1M grew to $4.7M on a 4% withdrawal
Retiring in 2011 with $1M and a 4% inflation-adjusted withdrawal, the portfolio was worth $4.7M after 15 years, as of the latest data. Its worst year was 2022, when the S&P 500 lost 11.9% including dividends.
Portfolio Value: Started in 2011
100% S&P 500
25/75 stocks/bonds (Trinity study mix)
Major market event
Starting: $1,000,000
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Withdrawal: 4.0%