Graham 25/75
The bond-heavy end of Graham’s range.
What it holds
| Asset | Share |
|---|---|
| US stocks, whole market | 25% |
| US 10-year Treasury bonds | 75% |
How it did, 1926-07 to 2026-09
3.5%
Per year after inflation (6.6% before)
6.4%
Volatility
-38%
Worst drop, 1972 to 1981
3.56%
Safe withdrawal rate over 30 years, 4.47% over 20
Best and worst calendar years
| Best | Return |
|---|---|
| 1982 | +38.4% |
| 1985 | +28.4% |
| 1995 | +27.5% |
| 1933 | +24.3% |
| 1986 | +22.4% |
| Worst | Return |
|---|---|
| 2022 | −14.0% |
| 1931 | −10.5% |
| 1969 | −7.1% |
| 1937 | −6.8% |
| 1994 | −5.5% |
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.