40/60 stocks and bonds
Cautious balanced mix.
What it holds
| Asset | Share |
|---|---|
| US stocks, whole market | 40% |
| US 10-year Treasury bonds | 60% |
How it did, 1926-07 to 2026-09
4.5%
Per year after inflation (7.6% before)
8.2%
Volatility
-35%
Worst drop, 1972 to 1981
3.73%
Safe withdrawal rate over 30 years, 4.60% over 20
Best and worst calendar years
| Best | Return |
|---|---|
| 1982 | +35.3% |
| 1933 | +33.4% |
| 1995 | +29.3% |
| 1985 | +29.2% |
| 1991 | +23.1% |
| Worst | Return |
|---|---|
| 1931 | −17.2% |
| 2022 | −15.3% |
| 1937 | −12.8% |
| 1930 | −9.8% |
| 1974 | −9.1% |
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.