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A comment on Show HN: I made a retirement simulator: 125 years of data, 25 countries. Parent comment

Re:Show HN: I made a retirement simulator: 125 years of data... by Eric714 on Wednesday August 26, 2026 @02:13PM (#49453419)
That's because the withdrawals are 4%. If you have $3M, maybe lower the withdrawals to 1.25%. That would be the same as 4% of $1M.
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Re:Show HN: I made a retirement simulator: 125 years of data... by jawns on Wednesday August 26, 2026 @02:17PM (#49453478)
I don't think that's accurate.

If I withdraw 4% of a $1M portfolio, I only have $960K left to compound.

If I withdraw 4% of a $3M portfolio, I should have $2.88M left to compound.

If the question is "Will your money last?" I would not expect the simulation results to be identical.

Edit: I failed here. Downvotes are right. I simulated it myself and saw the results. Leaving this comment here so others can learn from my mistake.

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