100年股市历史，只要不碰上或者避过或部分避过 29-32大萧条，40-41二战，73-74石油危机，00-02互联网泡

08次贷危机

401K尽管放在标普500或者Fidelity500，每年取去来补充SS
退休100万足够了

许多情况下，什么时候退休，不是自己能绝对决定的！人，就怕点子背！

最近，高科技公司不是在裁员嘛

2020好像是英国石油BP的VP被退休了，回家没多长时间就想不开过不去了。

自杀了？

取是指拿分红还是卖股票？

大盘指数一百万分红才1万多一年，取5万肯定是要卖股票！

分红要自动重投，年底取5万就是卖5万

该退休就退休，避开就是账户变成Money Market，即使50%回到现金也好，然后低谷时再往回投

2000 年退休倒霉的很， 拿5万一年， 通涨3%， 也只能15年

			annual inflation 3%		annual inflation 4%		annual inflation 5%
			Balance		Balance		Balance	without withdrawal
Year	SP500 Dividends reinvested	Yearly withdrawal	1,000,000	Yearly withdrawal	1,000,000	Yearly withdrawal	1,000,000	1,000,000
2000	-9.03	50000	859,700	50,000	859,700	50,000	859,700	909,700
2001	-11.85	51500	706,326	52,000	705,826	52,500	705,326	801,901
2002	-21.97	53045	498,101	54,080	496,676	55,125	495,241	625,723
2003	28.36	54636	584,726	56,243	581,290	57,881	577,809	803,178
2004	10.74	56275	591,250	58,493	585,227	60,775	579,091	889,439
2005	4.83	57964	561,844	60,833	552,661	63,814	543,247	932,399
2006	15.61	59703	589,845	63,266	575,666	67,005	561,043	1,077,947
2007	5.48	61494	560,675	65,797	541,415	70,355	521,433	1,137,018
2008	-36.55	63339	292,410	68,428	275,100	73,873	256,977	721,438
2009	25.94	65239	303,022	71,166	275,295	77,566	246,070	908,579
2010	14.82	67196	280,734	74,012	242,081	81,445	201,093	1,043,231
2011	2.1	69212	217,418	76,973	170,192	85,517	119,799	1,065,138
2012	15.89	71288	180,677	80,052	117,184	89,793	49,042	1,234,389
2013	32.05	73427	165,158	83,254	71,488	94,282	-29,523	1,630,011
2014	13.52	75629	111,858	86,584	-5,430	98,997	-132,511	1,850,388
2015	1.38	77898	35,503	90,047	-95,552	103,946	-238,286	1,875,923
2016	11.77	80235	-40,554	93,649	-200,448	109,144	-375,476	2,096,720
2017	21.61	82642	-131,960	97,395	-341,160	114,601	-571,217	2,549,821
2018	-4.23	85122	-211,500	101,291	-428,020	120,331	-667,385	2,441,963
2019	31.2	87675	-365,163	105,342	-666,904	126,348	-1,001,957	3,203,856
2020	18.06	90306	-521,417	109,556	-896,903	132,665	-1,315,576	3,782,472
2021	28.5	93015	-763,035	113,938	-1,266,459	139,298	-1,829,813	4,860,477
2022	-18.04	95805	-721,189	118,496	-1,156,486	146,263	-1,645,978	3,983,647
2023	26.29	98679	-1,009,469	123,236	-1,583,762	153,576	-2,232,281	5,030,947