Retiring in 2025: $2M grew to $2.3M on a 4% withdrawal
Retiring in 2025 with $2M and a 4% inflation-adjusted withdrawal, the portfolio was worth $2.3M 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
100% bonds (Trinity study mix)
Major market event
Starting: $2,000,000
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Withdrawal: 4.0%