Hi, I'm working on the numbers from the latest post of MM. How to Retire Forever on a Fixed Chunk of Money. My spreadsheet is a bit different, lasting 19 years with 500K. Comments?
initial balance € 500.000,00
annual spending € 40.000,00
dividend yield 1,80%
inflation rate 3,00%
appreciation rate 7,00%
year start balance dividend net withdrawel appreciation end balance
1 € 500.000,00 € 9.000,00 € 40.000,00 € 35.000,00 € 504.000,00
2 € 504.000,00 € 9.072,00 € 41.200,00 € 35.280,00 € 498.080,00
3 € 498.080,00 € 8.965,44 € 42.436,00 € 34.865,60 € 490.509,60
4 € 490.509,60 € 8.829,17 € 43.709,08 € 34.335,67 € 481.136,19
5 € 481.136,19 € 8.660,45 € 45.020,35 € 33.679,53 € 469.795,37
6 € 469.795,37 € 8.456,32 € 46.370,96 € 32.885,68 € 456.310,09
7 € 456.310,09 € 8.213,58 € 47.762,09 € 31.941,71 € 440.489,70
8 € 440.489,70 € 7.928,81 € 49.194,95 € 30.834,28 € 422.129,02
9 € 422.129,02 € 7.598,32 € 50.670,80 € 29.549,03 € 401.007,25
10 € 401.007,25 € 7.218,13 € 52.190,93 € 28.070,51 € 376.886,83
11 € 376.886,83 € 6.783,96 € 53.756,66 € 26.382,08 € 349.512,26
12 € 349.512,26 € 6.291,22 € 55.369,35 € 24.465,86 € 318.608,76
13 € 318.608,76 € 5.734,96 € 57.030,44 € 22.302,61 € 283.880,94
14 € 283.880,94 € 5.109,86 € 58.741,35 € 19.871,67 € 245.011,25
15 € 245.011,25 € 4.410,20 € 60.503,59 € 17.150,79 € 201.658,45
16 € 201.658,45 € 3.629,85 € 62.318,70 € 14.116,09 € 153.455,85
17 € 153.455,85 € 2.762,21 € 64.188,26 € 10.741,91 € 100.009,50
18 € 100.009,50 € 1.800,17 € 66.113,91 € 7.000,67 € 40.896,26
19 € 40.896,26 € 736,13 € 68.097,32 € 2.862,74 -€ 24.338,32