Retiring in 2011: $1M grew to $5.3M on a 3% withdrawal
Retiring in 2011 with $1M and a 3% inflation-adjusted withdrawal, the portfolio was worth $5.3M 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
50/50 stocks/bonds (Trinity study mix)
Major market event
Starting: $1,000,000
·
Withdrawal: 3.0%