60/40 stocks and bonds
The classic balanced portfolio.
What it holds
| Asset | Share |
|---|---|
| US stocks, whole market | 60% |
| US 10-year Treasury bonds | 40% |
How it did, 1926-07 to 2026-09
5.6%
Per year after inflation (8.7% before)
11.2%
Volatility
-47%
Worst drop, 1929 to 1932
3.82%
Safe withdrawal rate over 30 years, 4.51% over 20
Best and worst calendar years
| Best | Return |
|---|---|
| 1933 | +43.2% |
| 1995 | +31.8% |
| 1982 | +31.0% |
| 1985 | +30.3% |
| 1954 | +29.6% |
| Worst | Return |
|---|---|
| 1931 | −26.1% |
| 1937 | −20.4% |
| 2008 | −16.9% |
| 2022 | −16.9% |
| 1930 | −16.1% |
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.