前两天写的2000年1m投spy退休！每年拿4万，23年后的今天还有~1M。 生活水平逐年下降。勉强度日。
https://bbs.wenxuecity.com/tzlc/1938987.html
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今天想看一下福虎鼓吹的CVX，能靠的住吗？ 答案是震惊， 震惊的从椅子上摔下来。彻底睡不着了
2000年1m 投cvx， 每年拿四万今天还剩多少？？ 7.3M。 完了，不淡定了 彻底不淡定了
计算如下；
total return link https://totalrealreturns.com/n/CVX
| Year | % total return | Year end found | Take 40k from last year | Found from last year |
| 1999 | 7.35% | 1 | ||
| 2000 | 0.54% | 0.965184 | 0.96 | 1 |
| 2001 | 9.28% | 1.011041075 | 0.925184 | 0.965184 |
| 2002 | -23.09% | 0.746827691 | 0.971041075 | 1.011041075 |
| 2003 | 35.37% | 0.956832645 | 0.706827691 | 0.746827691 |
| 2004 | 25.54% | 1.150991703 | 0.916832645 | 0.956832645 |
| 2005 | 11.54% | 1.239200145 | 1.110991703 | 1.150991703 |
| 2006 | 33.70% | 1.603330594 | 1.199200145 | 1.239200145 |
| 2007 | 30.55% | 2.040928091 | 1.563330594 | 1.603330594 |
| 2008 | -18.33% | 1.634157972 | 2.000928091 | 2.040928091 |
| 2009 | 8.06% | 1.722647104 | 1.594157972 | 1.634157972 |
| 2010 | 22.95% | 2.068814615 | 1.682647104 | 1.722647104 |
| 2011 | 20.28% | 2.440258219 | 2.028814615 | 2.068814615 |
| 2012 | 5.06% | 2.521711284 | 2.400258219 | 2.440258219 |
| 2013 | 19.31% | 2.960929734 | 2.481711284 | 2.521711284 |
| 2014 | -6.99% | 2.716756745 | 2.920929734 | 2.960929734 |
| 2015 | -16.17% | 2.243925179 | 2.676756745 | 2.716756745 |
| 2016 | 36.66% | 3.01188415 | 2.203925179 | 2.243925179 |
| 2017 | 10.59% | 3.286606682 | 2.97188415 | 3.01188415 |
| 2018 | 19.75% | 3.887811501 | 3.246606682 | 3.286606682 |
| 2019 | 15.27% | 4.435372318 | 3.847811501 | 3.887811501 |
| 2020 | -25.95% | 3.254773201 | 4.395372318 | 4.435372318 |
| 2021 | 46.24% | 4.701284329 | 3.214773201 | 3.254773201 |
| 2022 | 58.46% | 7.386271149 | 4.661284329 | 4.701284329 |
| 2023 | 7.346271149 | 7.346271149 | 7.386271149 |
