How large of a portfolio is needed to spend $200k annually indefinitely?
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Date: July 7th, 2025 4:07 PM Author: Deranged Amethyst Box Office Factory Reset Button
3% cagr means you could live 45 years with $5M on $200K spend and not run out of $. If you can get 5% then you can do $4.2M and never have your balance drop.
edit: factor 2% inflation to the $200K spend - you'd run out of $ in 45 years with $5M
edit v2: I guess if you pay 25% taxes you'd run out of $ in 30 years vs. 44 and change, assuming you pay taxes on the $ you withdraw/spend
(http://www.autoadmit.com/thread.php?thread_id=5747172&forum_id=2#49079801) |
Date: July 7th, 2025 3:36 PM Author: boyish resort
Think of it this way. Hedge funds typically charge 2 and 20 (2% management fee on the principal, plus 20% of that year's return as a performance fee). So think of yourself as the manager of your personal "fund".
If you assume you're getting an 5% rate of return on your invested capital on average (pretty conservative), then you'd need $6,666,667. This would give a management fee of $133,333 plus a performance fee of $66,667 (6,666,667 * .05 * .20), which adds up to $200k. If you assume a 10% rate of return (maybe too aggressive) then you'd only need $5 million.
I am ignoring taxes here, you'd need a higher amount if you want $200k post tax.
(http://www.autoadmit.com/thread.php?thread_id=5747172&forum_id=2#49079668) |
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