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Subject:  Re: Retire Early & 4% Withdrawal Date:  3/2/2021  12:23 PM
Author:  aj485 Number:  101519 of 103189

They had $500,000 in net worth. "I calculated our portfolio extracting 4% per year, with our first year withdrawal being $20,000." Twice, 2000-2003 & 2008-2009, their net worth halved. Their current net worth has increased to 373% ($1865330)of original net worth.

By staying 100% invested in the S&P 500, they have significant sequence of return risk. But if they aren't 100% invested in the S&P 500, their returns aren't nearly so spectacular.

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