outofratrace
Dryer sheet aficionado
- Joined
- Feb 21, 2009
- Messages
- 25
I'm 41 years old and I retired at 35. Lucky I know. I have a well diversified portfolio mainly of ETF's and Vanguard funds. What is bugging me is that even though my portfolio is up a nominal (after withdrawal) amount of 2.42% my REAL return I have calculated is -10.15%. I base my withdrawals off the current account balance and use a WR of 3%. So I feel like my withdrawals have shrunk basically -10.15% since I retired. I have a financial cushion built in but this trend worries me to lose 10% buying power in 6 years. Is anyone else feeling the same way. Have you retirees in the last 10 years been able to keep up with inflation?