Retiring in 2025: $1M grew to $1.1M on a 3.5% withdrawal
Retiring in 2025 with $1M and a 3.5% inflation-adjusted withdrawal, the portfolio was worth $1.1M after 1 year, as of the latest data. The S&P 500 never had a losing year over that span.
Portfolio Value: Started in 2025
100% S&P 500
75/25 stocks/bonds (Trinity study mix)
Major market event
Starting: $1,000,000
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Withdrawal: 3.5%