Image is a chart by SmartAsset titled "How SECURE 2.0’s New Catch-Up Contribution Rule Could Boost Your Retirement Savings".

Portfolios average 8% annual returns between ages 60 and 70; 6% between 71 and 80; and 4% between ages 81 and 90. The retirees withdraw 4% of their portfolio in their first year of retirement (age 65), with minor adjustments for inflation.