Retiring in 2020: $1M grew to $1.8M on a 4% withdrawal
Retiring in 2020 with $1M and a 4% inflation-adjusted withdrawal, the portfolio was worth $1.8M after 6 years, as of the latest data. Its worst year was 2022, when the S&P 500 lost 11.9% including dividends. 2020 brought the COVID-19 crash, the fastest 30% fall in S&P 500 history, followed by an almost equally fast recovery.
Portfolio Value: Started in 2020
100% S&P 500
75/25 stocks/bonds (Trinity study mix)
Major market event
Starting: $1,000,000
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Withdrawal: 4.0%