Golden Butterfly
Five equal parts: the stock market, small value stocks, long bonds, short-term bonds and gold. 10-year Treasuries and Treasury bills stand in for the two bond holdings.
What it holds
| Asset | Share |
|---|---|
| US stocks, whole market | 20% |
| US small value stocks | 20% |
| US 10-year Treasury bonds | 20% |
| US Treasury bills | 20% |
| Gold | 20% |
How it did, 1926-07 to 2026-09
5.8%
Per year after inflation (8.9% before)
10.0%
Volatility
-31%
Worst drop, 1937 to 1942
4.18%
Safe withdrawal rate over 30 years, 5.17% over 20
Best and worst calendar years
| Best | Return |
|---|---|
| 1933 | +65.4% |
| 1979 | +36.0% |
| 1943 | +30.9% |
| 1982 | +26.6% |
| 1936 | +24.0% |
| Worst | Return |
|---|---|
| 1931 | −22.0% |
| 1937 | −18.0% |
| 1930 | −13.7% |
| 1969 | −10.5% |
| 2008 | −10.4% |
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.