Many people hope to retire with $1 million in savings, but how long will it really last?

The answer can depend on your retirement age, life expectancy and the kind of lifestyle you plan to live. For some people, $1 million may be more than enough for a comfortable retirement. For others, it might not be enough.

Here are 3 hypothetical examples of $1 million in retirement:

• Example #1: You have $1 million in savings and earn a 6% annual return. Assuming you’re in the 24% tax bracket and withdraw $5,000 per month, your savings should last just over 30 years.
• Example #2: Your $1 million in savings earns a 5% annual return. With the same tax bracket and monthly withdrawal amount, you’d run out of money in 26 years.
• Example #3: You earn a 7% annual return, but you’re in the 32% tax bracket and withdraw $6,000 a month from your savings. At that pace, you’d have enough savings to last 23 years.

These examples are purely hypothetical and don’t take inflation into account, annual increases in your withdrawal rate, or any changes to your federal tax bracket.

Consulting a financial advisor can be a great first step to helping make sure you’re on track to meet your retirement goals. That’s why we created a free tool to help match you with vetted financial advisors. 

It’s never too late to plan to work toward a comfortable retirement. Try SmartAsset’s no-cost tool to find vetted financial advisors serving your area, each legally bound to work in your best interest. Get your financial advisor matches today. 

Try SmartAsset’s Financial Advisor Matching Tool

Hire a pro. Find and compare vetted financial advisors serving your area, each legally bound to work in your best interest.

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This is not an offer to buy or sell any security or interest. All investing involves risk, including loss of principal. Working with an adviser may come with potential downsides such as payment of fees (which will reduce returns). Past performance is not a guarantee of future results. There are no guarantees that working with an adviser will yield positive returns. The existence of a fiduciary duty does not prevent the rise of potential conflicts of interest.

SmartAsset.com is not intended to provide legal advice, tax advice, accounting advice or financial advice (Other than referring users to third party advisers registered or chartered as fiduciaries (“Adviser(s)”) with a regulatory body in the United States). The article and opinions in this publication are for general information only and are not intended to provide specific advice or recommendations for any individual. We suggest that you consult your accountant, tax, or legal advisor with regard to your individual situation. 

SmartAsset Advisors, LLC (“SmartAsset”), a wholly owned subsidiary of Financial Insight Technology, is registered with the U.S. Securities and Exchange Commission as an investment adviser. SmartAsset’s services are limited to referring users to third party advisers registered or chartered as fiduciaries (“Adviser(s)”) with a regulatory body in the United States that have elected to participate in our matching platform based on information gathered from users through our online questionnaire. SmartAsset receives compensation from Advisers for our services. SmartAsset does not review the ongoing performance of any Adviser, participate in the management of any user’s account by an Adviser or provide advice regarding specific investments. 

We do not manage client funds or hold custody of assets, we help users connect with relevant financial advisors.

Sources:
1. “The Value of a Financial Advisor: What’s It Really Worth?” SmartAsset (Nov. 2024)

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Special Report

Google’s Gemini 3 Sends Broadcom Soaring: TPUs Take Center Stage

Authored by Leo Miller. Article Published: 11/26/2025. 

Key Takeaways

• Broadcom shares got a significant lift after the release of Google’s Gemini 3 large language model.
• Gemini 3 is rivaling the best-performing AI models. Broadcom played a huge role in its creation.
• AVGO is riding the coattails of the hottest Magnificent Seven stock. Shares are just south of their all-time high.

Once again, semiconductor giant Broadcom (NASDAQ: AVGO) is getting a lift from its longtime partner and Google parent company Alphabet (NASDAQ: GOOGL). Investors are increasingly connecting the dots: Google has developed its tensor processing chips (TPUs) with Broadcom for years.

Google’s recent deal with Anthropic points to more TPU revenue for Broadcom. Jefferies also named Broadcom its top semiconductor pick over NVIDIA (NASDAQ: NVDA), citing potential increases in TPU demand.

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Broadcom’s more than 4% surge on Nov. 19 is tied to its TPU technology and to Google’s release of the Gemini 3 artificial intelligence (AI) model, which should benefit Broadcom going forward.

Gemini 3: A Clear Validation of AVGO’s Semiconductor Prowess

On Nov. 18, Google released its latest family of large language models (LLMs), Gemini 3. Google calls these its most intelligent models yet, and independent benchmarks largely agree. Gemini 3 Pro, the flagship version, is performing extremely well on LMArena, a leading resource for comparing LLM performance.

As of Nov. 25, LMArena ranks Gemini 3 Pro as the best LLM. It also holds the top spot on the Artificial Analysis Intelligence Index with a score of 73 — evidence that Gemini 3 Pro may currently be the top-performing LLM.

This is significant for Broadcom because Google built Gemini 3 on TPUs. According to Bloomberg Intelligence analyst Mandeep Singh, Google trained Gemini 3 solely on TPUs and did not use NVIDIA’s graphics processing units (GPUs). That represents a notable shift, since most LLM developers rely heavily on NVIDIA GPUs for training.

Gemini 3’s strong performance implies Broadcom’s chips can compete effectively with NVIDIA’s, strengthening Broadcom’s competitive position and potentially allowing it to capture a larger share of AI spending going forward.

Gemini 3’s success also suggests Google will continue expanding its partnership with Broadcom and keep using TPUs for future models.

Broadcom Shares Close in on All-Time Highs

Broadcom’s link to Google has helped the stock in November. On Oct. 29, shares hit an all-time closing high of about $386. After pulling back, the stock was nearly back to that level, closing at $385 on Nov. 25. The iShares Semiconductor ETF (NASDAQ: SOXX)and NVIDIA also peaked on Oct. 29; since then they are down roughly 8% and 14%, respectively.

Google is up about 21% over that period and has become the market’s favored Magnificent Seven name in recent months. Year to date, Google shares have returned roughly 70% in 2025, despite being essentially flat through mid-July — the best performance among the Mag 7, with NVIDIA a distant second at about 32%. Broadcom shares have returned nearly 67%.

Recent Price Targets Show Optimism as AVGO Earnings Approach

Wall Street analysts remain upbeat on Broadcom. The MarketBeat consensus price target of $374 implies roughly 3% downside. However, MarketBeat has tracked numerous analyst targets since early October, and their average sits at $423 — suggesting about 10% upside. That average includes Raymond James Financial’s $420 target set on Nov. 20, two days after Gemini 3’s release.

Broadcom will report earnings on Dec. 11 after the market close. Upcoming MarketBeat coverage will outline what to watch heading into the release. Also worth monitoring is Marvell Technology (NASDAQ: MRVL), which reports after the market close on Dec. 2 and is a key competitor in custom AI chip design.

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