2000 年退休倒黴的很, 拿5萬一年, 通漲3%, 也隻能15年
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|
|
annual inflation 3% |
|
annual inflation 4% |
|
annual inflation 5% |
|
|
|
|
Balance |
|
Balance |
|
Balance |
without withdrawal |
Year |
SP500 Dividends reinvested |
Yearly withdrawal |
1,000,000 |
Yearly withdrawal |
1,000,000 |
Yearly withdrawal |
1,000,000 |
1,000,000 |
2000 |
-9.03 |
50000 |
859,700 |
50,000 |
859,700 |
50,000 |
859,700 |
909,700 |
2001 |
-11.85 |
51500 |
706,326 |
52,000 |
705,826 |
52,500 |
705,326 |
801,901 |
2002 |
-21.97 |
53045 |
498,101 |
54,080 |
496,676 |
55,125 |
495,241 |
625,723 |
2003 |
28.36 |
54636 |
584,726 |
56,243 |
581,290 |
57,881 |
577,809 |
803,178 |
2004 |
10.74 |
56275 |
591,250 |
58,493 |
585,227 |
60,775 |
579,091 |
889,439 |
2005 |
4.83 |
57964 |
561,844 |
60,833 |
552,661 |
63,814 |
543,247 |
932,399 |
2006 |
15.61 |
59703 |
589,845 |
63,266 |
575,666 |
67,005 |
561,043 |
1,077,947 |
2007 |
5.48 |
61494 |
560,675 |
65,797 |
541,415 |
70,355 |
521,433 |
1,137,018 |
2008 |
-36.55 |
63339 |
292,410 |
68,428 |
275,100 |
73,873 |
256,977 |
721,438 |
2009 |
25.94 |
65239 |
303,022 |
71,166 |
275,295 |
77,566 |
246,070 |
908,579 |
2010 |
14.82 |
67196 |
280,734 |
74,012 |
242,081 |
81,445 |
201,093 |
1,043,231 |
2011 |
2.1 |
69212 |
217,418 |
76,973 |
170,192 |
85,517 |
119,799 |
1,065,138 |
2012 |
15.89 |
71288 |
180,677 |
80,052 |
117,184 |
89,793 |
49,042 |
1,234,389 |
2013 |
32.05 |
73427 |
165,158 |
83,254 |
71,488 |
94,282 |
-29,523 |
1,630,011 |
2014 |
13.52 |
75629 |
111,858 |
86,584 |
-5,430 |
98,997 |
-132,511 |
1,850,388 |
2015 |
1.38 |
77898 |
35,503 |
90,047 |
-95,552 |
103,946 |
-238,286 |
1,875,923 |
2016 |
11.77 |
80235 |
-40,554 |
93,649 |
-200,448 |
109,144 |
-375,476 |
2,096,720 |
2017 |
21.61 |
82642 |
-131,960 |
97,395 |
-341,160 |
114,601 |
-571,217 |
2,549,821 |
2018 |
-4.23 |
85122 |
-211,500 |
101,291 |
-428,020 |
120,331 |
-667,385 |
2,441,963 |
2019 |
31.2 |
87675 |
-365,163 |
105,342 |
-666,904 |
126,348 |
-1,001,957 |
3,203,856 |
2020 |
18.06 |
90306 |
-521,417 |
109,556 |
-896,903 |
132,665 |
-1,315,576 |
3,782,472 |
2021 |
28.5 |
93015 |
-763,035 |
113,938 |
-1,266,459 |
139,298 |
-1,829,813 |
4,860,477 |
2022 |
-18.04 |
95805 |
-721,189 |
118,496 |
-1,156,486 |
146,263 |
-1,645,978 |
3,983,647 |
2023 |
26.29 |
98679 |
-1,009,469 |
123,236 |
-1,583,762 |
153,576 |
-2,232,281 |
5,030,947 |
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2000 年退休倒黴的很, 拿5萬一年, 通漲3%, 也隻能15年