- Joined
- Nov 27, 2014
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- 9,318
I entered in my quarterly results tonight and have a question. First a comment - I've had two good quarters. Hope it continues. But my question is:
Using dummy numbers. Say my starting retirement portfolio was $1M and since then to now it's $76K less. So, 7.6%. I've been retired 4 years and 1 quarter. If I divide 7.6% by 4.25 I get 1.8%.
It's not exactly my withdrawal rate since it includes everything (investment income/losses, distributions, income such as pension and SS and all expenses). Everything. Can I compare this to the 4% Trinity withdrawal rate analysis and assume that I'm doing pretty good? Or, is this just a completely different number. At any rate, it feels pretty good. Especially after the crazy last couple years and the selling I did at the low point of the pandemic . So, how am I doing 4.25 years in?
Using dummy numbers. Say my starting retirement portfolio was $1M and since then to now it's $76K less. So, 7.6%. I've been retired 4 years and 1 quarter. If I divide 7.6% by 4.25 I get 1.8%.
It's not exactly my withdrawal rate since it includes everything (investment income/losses, distributions, income such as pension and SS and all expenses). Everything. Can I compare this to the 4% Trinity withdrawal rate analysis and assume that I'm doing pretty good? Or, is this just a completely different number. At any rate, it feels pretty good. Especially after the crazy last couple years and the selling I did at the low point of the pandemic . So, how am I doing 4.25 years in?