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How Much Could I Have Withdrawn Annually During the 2000 And the 2008 Financial Crises From A Total SPY Portfolio And Still Not Be Broke Now

After reading The Simple Path to Wealth, I found it possible to keep a 100% S&P 500 index funds and retire with it. All I have to do is to accumulate S&P 500 index fund such as SPY, then sell and withdraw during for daily spending during retirement. I wouldn't use up all of my funds.

I have also done some detail calculation for withdrawing 4% from an all SPY portfolio right at the peak of 2000 or 2008 financial crises, and I have found not only would I have not used up my fund, but have also grown my portfolio. The calculation is in this article.

The calculation tool is here:Will I Spend All Of My SPY Portfolio?

How much more could I have withdrawn?

Now, back to me topic. I want to know the max amount of money I could have withdrawn during the 2000 or the 2008 financial crises and still not be borke. 

Retired at the peak before the 2000 market downturn

The answer is 5.85%.

Retired at the peak before the 2008 market downturn

The answer is 10.24%.

I guess withdrawing 4% from a full SPY portfolio as retirement spending is quite safe.

What if I want to live longer?

The above calculation is for the results of not being broke but the remaining amount of portfolio value could not have kept me alive for too long. Now, I want to find the max withdrawl rates during the 2000 and the 2008 financial crises and my fund would return to the same value as it had been right at the time I reitred.

Retired at the peak before the 2000 market downturn and portfolio would return to the same value at retirement

The answer is 4.56%.

Retired at the peak before the 2008 market downturn and portfolio would return to the same value at retirement

The answer is 7.65%.
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