US, international and bonds
A three-fund style split with global stock diversification. History starts in 1990.
What it holds
| Asset | Share |
|---|---|
| US stocks, whole market | 40% |
| Developed markets outside the US (from 1990) | 40% |
| US 10-year Treasury bonds | 20% |
How it did, 1990-07 to 2026-09
5.5%
Per year after inflation (8.3% before)
11.6%
Volatility
-42%
Worst drop, 2007 to 2009
6.28%
Safe withdrawal rate over 30 years, 5.45% over 20
Best and worst calendar years
| Best | Return |
|---|---|
| 2003 | +30.1% |
| 2019 | +23.0% |
| 1995 | +23.0% |
| 1999 | +22.5% |
| 2013 | +21.8% |
| Worst | Return |
|---|---|
| 2008 | −29.4% |
| 2022 | −16.4% |
| 2001 | −11.6% |
| 2002 | −10.8% |
| 2000 | −8.3% |
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.