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What kind or ROR are you getting on your portfolio? Just estimating, using a return of 3% for fixed and 8% for equities, I come up with a portfolio return of around 6.25%. Your current withdrawal rate is 4%. If inflation is running at 3% or higher, you are losing ground each year.

Actually you're gaining ground each year, at least for the first couple of decades. After 20 years, using your numbers, the $2,500,000 portfolio would have grown to $2,908,512. Reason is the withdrawal inflation only applies to a small part of the port.

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