Retiring in 2016: $1M grew to $3.3M on a 3.5% withdrawal
Retiring in 2016 with $1M and a 3.5% inflation-adjusted withdrawal, the portfolio was worth $3.3M after 10 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 2016
100% S&P 500
100% bonds (Trinity study mix)
Major market event
Starting: $1,000,000
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Withdrawal: 3.5%