On: Retirement savings simulator

[throw0101b]

> How does the 4% rule work if you are invested in index funds that yield a dividend?

The simplest method: look at your portfolio's worth on January 1, and take out the appropriate amount. Let the remainder ride.

So roughly:

* Year 1: take out 4%

* Year 2: Year 1 amount + inflation from Year 1

* Year 3: Year 2 amount + inflation from Year 2

* […]

* Year N: Year (N-1) amount + inflation from Year (N-1)