2000年我有1M現金決定退休！?
投股市！
全買了SP500。 每年取出4% （每月拿$3333）到2023年還有0.94M（具體數據看下表）?- 聽起來符合4%永遠拿不完的法則。
問題是2000 到2023 通膨是大約70%。 所以剩餘的0.94M 實際購買力到2023隻相當2000年的0.55M。 當年的$3333購買力 到2023 年需要$5666. 所以我的生活水平是逐年下降的。
結論：1M退休投SPY - 錢越來越緊。不知當初我要投了房市會如何？買了個股呢？
下麵是SPY500 的 excel sheet
| Year | % return | Year end fund | Take 4% from last year | Fund from last year |
| 1999 | 20.89% | 1 | ? | ? |
| 2000 | -9.03% | 0.873312 | 0.96 | 1 |
| 2001 | -11.85% | 0.734564528 | 0.833312 | 0.873312 |
| 2002 | -21.97% | 0.541968701 | 0.694564528 | 0.734564528 |
| 2003 | 28.36% | 0.644327025 | 0.501968701 | 0.541968701 |
| 2004 | 10.74% | 0.669231747 | 0.604327025 | 0.644327025 |
| 2005 | 4.83% | 0.659623641 | 0.629231747 | 0.669231747 |
| 2006 | 15.61% | 0.716346891 | 0.619623641 | 0.659623641 |
| 2007 | 5.48% | 0.713410701 | 0.676346891 | 0.716346891 |
| 2008 | -36.55% | 0.42727909 | 0.673410701 | 0.713410701 |
| 2009 | 25.94% | 0.487739285 | 0.38727909 | 0.42727909 |
| 2010 | 14.82% | 0.514094248 | 0.447739285 | 0.487739285 |
| 2011 | 2.10% | 0.484050227 | 0.474094248 | 0.514094248 |
| 2012 | 15.89% | 0.514609808 | 0.444050227 | 0.484050227 |
| 2013 | 32.15% | 0.627196861 | 0.474609808 | 0.514609808 |
| 2014 | 13.52% | 0.666585877 | 0.587196861 | 0.627196861 |
| 2015 | 1.38% | 0.635232762 | 0.626585877 | 0.666585877 |
| 2016 | 11.77% | 0.665291658 | 0.595232762 | 0.635232762 |
| 2017 | 21.61% | 0.760417185 | 0.625291658 | 0.665291658 |
| 2018 | -4.23% | 0.689943538 | 0.720417185 | 0.760417185 |
| 2019 | 31.21% | 0.852790916 | 0.649943538 | 0.689943538 |
| 2020 | 18.02% | 0.959255839 | 0.812790916 | 0.852790916 |
| 2021 | 28.47% | 1.180967977 | 0.919255839 | 0.959255839 |
| 2022 | -18.01% | 0.935479644 | 1.140967977 | 1.180967977 |
| 2023 | ? | 0.895479644 | 0.895479644 | 0.935479644 |
