About this episode
In Boot Camp #6, Paul Merriman walks through real historical data starting in 1970 to test what happens when retirees withdraw 3%, 4%, or 5% from a $1 million portfolio — adjusted for inflation — across some of the toughest market conditions in history.This episode covers:The difference between retiring with “enough” and “more than enough”How inflation quietly turns $30,000 into $130,000+ over 30 yearsWhat happens if you retire into a bear marketWhy 1% more in withdrawals can cost millionsS&P 500 vs. a globally diversified four-fund strategyHow diversification impacts lifetime income and legacy outcomesThe real risk of sequence of returns in retirementWhy some portfolios ran out of money — and others didn’tYou’ll hear side-by-side comparisons of:100% S&P 500 portfolios40/60, 50/50, and 60/40 stock-bond mixesA worldwide four-fund equity strategyFixed inflation-adjusted withdrawals over 30 yearsThe results may surprise you — especially when comparing 3%, 4%, and 5% withdrawal rates.If you're approaching retirement, already retired, or helping someone make distribution decisions, this episode breaks down the numbers in plain English and shows how small choices can create million-dollar differences.Next week: the strategy Paul considers the very best distribution method — for investors who retire with more than enough.Watch Video HereCatch up on the previous Boot Camp 2026 here
