Treasury bills only
Cash in short-term US Treasury bills.
What it holds
| Asset | Share |
|---|---|
| US Treasury bills | 100% |
How it did, 1926-07 to 2026-09
0.3%
Per year after inflation (3.3% before)
1.8%
Volatility
-49%
Worst drop, 1933 to 1951
2.14%
Safe withdrawal rate over 30 years, 3.24% over 20
Best and worst calendar years
| Best | Return |
|---|---|
| 1981 | +14.7% |
| 1980 | +11.3% |
| 1982 | +10.5% |
| 1979 | +10.4% |
| 1984 | +9.8% |
| Worst | Return |
|---|---|
| 1938 | −0.0% |
| 1940 | −0.0% |
| 2013 | +0.0% |
| 2014 | +0.0% |
| 1939 | +0.0% |
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.