US 10-year bonds only
Ten-year US Treasuries, rolled monthly.
What it holds
| Asset | Share |
|---|---|
| US 10-year Treasury bonds | 100% |
How it did, 1926-07 to 2026-09
1.6%
Per year after inflation (4.7% before)
5.9%
Volatility
-58%
Worst drop, 1940 to 1981
2.40%
Safe withdrawal rate over 30 years, 3.60% over 20
Best and worst calendar years
| Best | Return |
|---|---|
| 1982 | +43.2% |
| 1985 | +27.1% |
| 1995 | +24.4% |
| 1986 | +24.3% |
| 1970 | +20.0% |
| Worst | Return |
|---|---|
| 2022 | −11.9% |
| 1999 | −8.7% |
| 1994 | −7.3% |
| 2009 | −6.9% |
| 2013 | −5.9% |
Open in the backtest tool Test a withdrawal rate
US dollars, rebalanced yearly, before tax and fund costs. Past results are not a promise about the future, and nothing here is investment advice.