Retiring in 2022: $1M grew to $1.4M on a 3.5% withdrawal
Retiring in 2022 with $1M and a 3.5% inflation-adjusted withdrawal, the portfolio was worth $1.4M after 4 years, as of the latest data. Its worst year was 2022, when the S&P 500 lost 11.9% including dividends. In 2022 inflation hit a 40-year high and the Fed raised rates rapidly, pushing stocks and bonds down together.
Portfolio Value: Started in 2022
100% S&P 500
50/50 stocks/bonds (Trinity study mix)
Major market event
Starting: $1,000,000
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Withdrawal: 3.5%