Let’s say one retired on 1/1/2022 with 1m investable in tax deferrred accounts. Not yet doing RMD. Let’s say you had no imagination and did 50% SPY and 50% AGG. Let’s say you reinvested your Divs and withdrew 4% annually. According to Portfolio Visualizer by the end of Feb. 23 you would now be sitting on $827,299. Yuuup. That is the classic SORR. Of course nobody here retired at the start of 2022 and nobody here would invest that way. So let’s all be thankful.
