Collins 75/25
The 75% stock and 25% bond split J.L. Collins gives as his example for people close to or in retirement.
What it holds
| Asset | Share |
|---|---|
| US stocks, whole market | 75% |
| US 10-year Treasury bonds | 25% |
How it did, 1926-07 to 2026-09
6.3%
Per year after inflation (9.5% before)
13.8%
Volatility
-61%
Worst drop, 1929 to 1932
3.76%
Safe withdrawal rate over 30 years, 4.39% over 20
Best and worst calendar years
| Best | Return |
|---|---|
| 1933 | +49.1% |
| 1954 | +37.2% |
| 1935 | +34.3% |
| 1995 | +33.7% |
| 1985 | +31.2% |
| Worst | Return |
|---|---|
| 1931 | −32.7% |
| 1937 | −25.9% |
| 2008 | −24.5% |
| 1930 | −20.8% |
| 1974 | −20.2% |
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.