20/80 stocks and bonds
Income-oriented mix with a small stock allocation.
What it holds
| Asset | Share |
|---|---|
| US stocks, whole market | 20% |
| US 10-year Treasury bonds | 80% |
How it did, 1926-07 to 2026-09
3.2%
Per year after inflation (6.2% before)
6.0%
Volatility
-39%
Worst drop, 1972 to 1981
3.44%
Safe withdrawal rate over 30 years, 4.42% over 20
Best and worst calendar years
| Best | Return |
|---|---|
| 1982 | +39.4% |
| 1985 | +28.1% |
| 1995 | +26.8% |
| 1986 | +22.8% |
| 1933 | +20.9% |
| Worst | Return |
|---|---|
| 2022 | −13.6% |
| 1931 | −8.3% |
| 1969 | −6.8% |
| 1994 | −5.9% |
| 1937 | −4.7% |
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.